Massachusetts income tax in 2026
Massachusetts has a flat 5% income tax (9% on taxable income above $1,107,750). Traditional 401(k) contributions lower your Massachusetts taxable income as well as your federal taxable income. Personal exemptions: $4,400 single, $8,800 married filing jointly, $1,000 per dependent.
| Taxable income (all filers) | Rate |
|---|---|
| $0 – $1,107,750 | 5% |
| Over $1,107,750 | 9% |
Massachusetts rules and notes
- 5.00% flat rate on wages, interest, dividends and long-term capital gains.
- The 4% surtax ('millionaires tax') applies to taxable income above $1,107,750 for tax year 2026 (up from $1,083,150 in 2025), so income above the threshold is taxed at 9%. It is shown as a 9% bracket.
- The surtax threshold is the same for single filers and married couples filing jointly (not doubled). Spouses filing separately each get their own threshold.
- Short-term capital gains are taxed at 8.5% and long-term gains on collectibles at 12%. The brackets above do not model these.
- No standard deduction. Personal exemptions (not indexed): $4,400 single or married filing separately, $6,800 head of household, $8,800 married filing jointly; $1,000 per dependent; an extra $700 for each spouse 65+ and $2,200 for each blind taxpayer.
- There are other deductions this data does not model, such as 50% of rent paid (capped) and employee Social Security/retirement contributions (up to $2,000).
Massachusetts take-home pay by salary
Single filer, paid every two weeks, 2026 rules, standard deduction and no pre-tax deductions; includes Massachusetts income tax but not local taxes.
| Salary | Federal income tax | Social Security + Medicare | Massachusetts income tax | Take-home per year | Per bi-weekly paycheck |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,780 | $32,540 | $1,251.54 |
| $50,000 | $3,820 | $3,825 | $2,280 | $40,075 | $1,541.35 |
| $60,000 | $5,020 | $4,590 | $2,780 | $47,610 | $1,831.15 |
| $75,000 | $7,670 | $5,738 | $3,530 | $58,063 | $2,233.17 |
| $100,000 | $13,170 | $7,650 | $4,780 | $74,400 | $2,861.54 |
| $150,000 | $24,734 | $11,475 | $7,280 | $106,511 | $4,096.58 |
Hourly wages after taxes in Massachusetts
Full-time (40 hours a week, 2,080 hours a year), no overtime, single filer:
| Hourly wage | Annual pay | Weekly take-home | Bi-weekly take-home | Take-home per year | Take-home per hour |
|---|---|---|---|---|---|
| $15.00 | $31,200 | $498.25 | $996.51 | $25,909 | $12.46 |
| $20.00 | $41,600 | $648.95 | $1,297.91 | $33,746 | $16.22 |
| $25.00 | $52,000 | $799.65 | $1,599.31 | $41,582 | $19.99 |
| $30.00 | $62,400 | $950.35 | $1,900.71 | $49,418 | $23.76 |
Massachusetts vs. neighboring states
Take-home pay on a $75,000 salary (single, bi-weekly), with the difference from Massachusetts. Federal taxes are identical in every state, so the gaps come from state income tax. On a $75,000 salary, Massachusetts ranks #46 of 51 (50 states and DC) for take-home pay. Nationally, take-home pay on $75,000 ranges from $56,538 in Oregon to $61,593 in states without a wage tax; the median is $59,005.
| State | State income tax | Take-home per year | Per bi-weekly paycheck | vs. Massachusetts |
|---|---|---|---|---|
| Massachusetts | $3,530 | $58,063 | $2,233.17 | — |
| New Hampshire | None | $61,593 | $2,368.94 | +$3,530 |
| Rhode Island | $2,196 | $59,397 | $2,284.50 | +$1,334 |
| Vermont | $2,426 | $59,166 | $2,275.63 | +$1,104 |
| New York | $3,453 | $58,140 | $2,236.13 | +$77 |
| Connecticut | $3,475 | $58,118 | $2,235.29 | +$55 |
Neighboring state calculators: New Hampshire, Rhode Island, Vermont, New York, Connecticut. See all 50 states and DC on the national paycheck calculator.
How your Massachusetts paycheck is calculated
- Gross pay for the year is your salary, or your hourly wage × hours × 52 plus overtime at 1.5×.
- Pre-tax deductions such as a traditional 401(k), health premiums and HSA contributions are subtracted before federal income tax.
- Federal income tax uses the 2026 brackets, your filing status’s standard deduction ($16,100 single) and credits for children and other dependents.
- Social Security and Medicare take 6.2% (up to $184,500 of wages) and 1.45%.
- Massachusetts income tax is figured on the annual amount using the rules above, then divided across your paychecks.
We divide the annual totals by your number of paychecks, which is how a correctly completed 2026 Form W-4 is designed to withhold. Your employer’s withholding tables may differ by a few dollars per check. For your full-year tax bill, use the income tax calculator.
Frequently asked questions
How much is $75,000 a year after taxes in Massachusetts?
A single filer earning $75,000 in Massachusetts takes home about $58,063 a year in 2026, or $2,233.17 per bi-weekly paycheck. That is after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $3,530 of Massachusetts income tax. Pre-tax 401(k) or health deductions would lower your taxes but also your take-home pay.
Does Massachusetts have a state income tax?
Yes. Massachusetts has a flat 5% income tax (9% on taxable income above $1,107,750) in 2026. On a $75,000 salary, that works out to about $3,530 a year, or $135.77 per bi-weekly paycheck, an effective state rate of 4.71% of gross pay. Employers withhold it from each paycheck along with federal taxes.
How much is $20 an hour after taxes in Massachusetts?
Full time (40 hours a week), $20 an hour is $41,600 a year. After 2026 federal income tax, Social Security and Medicare and Massachusetts income tax, a single filer in Massachusetts takes home about $33,746 a year, or $1,297.91 per bi-weekly paycheck, about $16.22 per hour worked.
How does take-home pay in Massachusetts compare with nearby states?
On a $75,000 salary (single, bi-weekly), take-home pay is $58,063 a year in Massachusetts. In neighboring states it ranges from $58,118 to $61,593; New Hampshire (the highest nearby) is $3,530 higher. Federal taxes are the same everywhere, so the gap comes entirely from state income tax.
How much federal tax comes out of each paycheck on a $75,000 salary?
Federal taxes don’t depend on the state. For a single filer paid every two weeks on $75,000, about $295.00 of federal income tax, $178.85 of Social Security (6.2%) and $41.83 of Medicare (1.45%) come out of each 2026 paycheck, based on the $16,100 standard deduction. Children, pre-tax deductions and W-4 choices change the federal amount.