Paycheck · Maryland · 2026
Maryland Paycheck Calculator
Enter your pay, hours, MW507 exemptions and county of residence to estimate Maryland net pay per paycheck, plus weekly, biweekly, monthly and annual equivalents. Maryland paycheck withholding has two parts: a graduated state component and a county income tax set by the county where you live. This is a wage-withholding estimate, not a tax-return calculation.
Maryland withholds on annualised wages: the $3,350 standard deduction and $3,200 for each Form MW507 exemption come off, the single or married state schedule applies, and your county's own rate applies to the same amount. State and county withholding are always shown as separate rows. Annualised wages under $5,000 produce no Maryland withholding at all.
Estimated take-home pay
$2,768.42
per biweekly pay · $112,000.00 annual grosseff. rate
- Gross pay
- $4,307.69
- Federal income tax
- −$518.89
- Social Security
- −$255.30
- Medicare
- −$59.71
- Maryland state income tax
- −$179.24
- Maryland county income tax (Montgomery)
- −$120.75
- Pre-tax deductions
- −$405.38
- Post-tax deductions
- −$0.00
- Net pay
- $2,768.42
$1,384.21
$2,768.42
$5,998.25
$71,978.97
What-if scenarios
Calculations are estimates for informational purposes and are not tax, legal, or financial advice. Actual withholding and take-home pay may differ.
How Maryland withholding is calculated
Two parts: state and county
Maryland is one of the few states where a local income tax is collected through the same paycheck withholding as the state tax. The state component uses a graduated schedule starting at 4.75%; the county component uses the rate published for the county where you live, from 2.25% in Worcester to 3.30% in Dorchester and Kent. This calculator reports the two amounts on separate lines so you can see which is which.
How the annual formula works
Wages for the pay period are annualised using your pay frequency, then the 2026 standard deduction of $3,350 and $3,200 for each MW507 exemption are subtracted. The state schedule for your MW507 filing status applies to what remains, and the annual result is divided by the number of pay periods. Every pay frequency runs through this one formula — nothing is scaled from a weekly table. If annualised wages before the standard deduction are below $5,000, both state and county withholding are zero.
MW507 exemptions
Each exemption you claimed on Form MW507 removes $3,200 of annual wages from both the state and the county calculation, so exemptions reduce both amounts at once. Exemptions must be whole numbers and cannot be negative. Whether you are entitled to a particular number of exemptions is decided by the Form MW507 instructions, not here.
Anne Arundel and Frederick counties are different
Most Maryland counties charge one rate on the whole taxable amount. Anne Arundel County uses graduated brackets — 2.70%, then 2.94%, then 3.20% — applied marginally. Frederick County publishes rates by income level but applies the applicable rate to the entire taxable amount rather than marginally, so crossing a threshold changes the rate on all of it. Both are modelled exactly as published.
Nonresidents and reciprocal states
If you work in Maryland but live elsewhere and Maryland withholding applies, the calculator computes normal Maryland state withholding plus the official 2.25% nonresident rate on the same taxable amount, in place of a county tax, shown as its own row. If you live in a reciprocal state and claimed exemption on Form MW507, or claimed exemption from Maryland withholding for any other reason, every Maryland row — state, county, nonresident and additional withholding — is $0. Which treatment applies to you depends on your circumstances and your completed MW507.
Pre-tax deductions reduce the Maryland base
Eligible 401(k) and other retirement deferrals, and eligible pre-tax health, dental, vision, FSA and dependent-care amounts, all reduce the wages Maryland state and county withholding are calculated on, consistent with the official payroll formula. Post-tax deductions do not.
Additional Maryland withholding
Form MW507 lets you request an extra dollar amount of Maryland withholding each paycheck. It is added exactly once, after the state and county or nonresident amounts have been calculated, and appears on its own row whenever it is not zero. An exempt certificate adds nothing.
Withholding is not your final tax
This estimates the Maryland tax withheld from a paycheck; it is not a tax-return calculator. Your actual liability is settled on your Maryland return using your real income, deductions and credits. Employer payroll configuration, rounding, benefit elections and individual circumstances can all make real paychecks differ. Verify unusual situations with the Comptroller of Maryland or a tax professional.
Official sources
- Comptroller of Maryland — 2026 Maryland Withholding Tax Facts
- Official 2026 Maryland withholding formula
- Comptroller of Maryland — official withholding calculator
- Comptroller of Maryland — Form MW507, Employee's Maryland Withholding Exemption Certificate
Other state calculators
Maryland paycheck questions
What the Maryland estimate includes, which official schedules it uses, and what it deliberately leaves out.
What are Maryland's 2026 state withholding rates?
The state schedule starts at 4.75% and rises to 5.00%, 5.25%, 5.50%, 5.75%, 6.25% and 6.50% at higher annual taxable amounts. The single and married schedules use the same rates at different income thresholds — for example the 4.75% band runs to $100,000 for single filers and $150,000 for married filers.
Why is there a county tax on my Maryland paycheck?
Maryland counties levy their own income tax, collected through the same payroll withholding as the state tax. The rate is set by the county where you live, not where you work, and ranges from 2.25% to 3.30% for 2026. Anne Arundel uses graduated brackets and Frederick applies one rate to the whole taxable amount by income level.
How do MW507 exemptions change my withholding?
Each exemption removes $3,200 of annual wages from the amount both the state schedule and your county rate are applied to, so one exemption reduces state and county withholding together.
What if I work in Maryland but live in another state?
If Maryland withholding applies, you pay Maryland state withholding plus the 2.25% nonresident rate instead of a county rate, shown on its own row. If you live in a reciprocal state and claimed exemption on Form MW507, Maryland withholding is $0.
Do pre-tax deductions reduce Maryland withholding?
Yes. Eligible retirement deferrals and eligible pre-tax health, dental, vision, FSA and dependent-care amounts reduce the wages Maryland state and county withholding are calculated on.
Why might my paycheck withholding differ from my Maryland tax return?
Withholding is a prepayment based on annualising one paycheck and the exemptions on your MW507. Your return uses your actual annual income, deductions and credits, so any over- or under-withholding is settled there.