Paycheck for Massachusetts (2026)
Massachusetts (MA) Key Facts
State Income Tax
5%
State Sales Tax
6.25%
Pay Frequency
Bi-weekly (most common)
Federal Withholding
Based on W-4 elections
How This Calculator Works in Massachusetts
This calculator estimates your net paycheck in Massachusetts accounting for federal taxes, FICA, and state income tax up to 5%. Enter salary and pay frequency to see take-home pay.
Massachusetts Overview
Paychecks in Massachusetts are subject to federal income tax, FICA (Social Security and Medicare), and state income tax at up to 5%. Massachusetts requires Paid Family and Medical Leave (PFML) contributions from paychecks. A 4% surtax applies on income over $1 million.
How Massachusetts Compares
Massachusetts's 5% state income tax means smaller paychecks compared to New York (10.9%) and Connecticut (6.99%). Differences compound over a full year.
| State | Top Rate | Notes |
|---|---|---|
| New York | 10.9% | New York has an income tax rate of 10.9%. |
| Connecticut | 6.99% | Connecticut has an income tax rate of 6.99%. |
| New Hampshire | 0% | New Hampshire has an income tax rate of 0%. |
Massachusetts's income tax rate of 5% compares to a national average of approximately 5.04%. This is below the national average.
Tips for Massachusetts Residents
- 1Massachusetts withholds state income tax at up to 5% from each paycheck, in addition to federal taxes.
- 2Massachusetts requires Paid Family and Medical Leave (PFML) contributions from paychecks. A 4% surtax applies on income over $1 million.
- 3Maximize pre-tax contributions to 401(k), HSA, and FSA accounts to reduce both federal and state taxable income on every paycheck.
- 4Review your state W-4 or withholding form annually, especially after salary changes, marriage, or a new dependent.
- 5Compare net pay across pay frequencies: bi-weekly (26 checks) vs. semi-monthly (24 checks) to plan your budget accurately.
Frequently Asked Questions
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