Massachusetts Paycheck Calculator 2026

Massachusetts Income Tax Overview 2026

Massachusetts's income tax rate is 5% + 4% surtax above $1M (top rate: 9%). Massachusetts has a flat tax rate of 5% on most income. In 2023, voters approved a 4% surtax on income above $1 million (the "millionaire's tax"), effectively creating a 9% top rate. Massachusetts doesn't tax Social Security benefits.

Massachusetts Tax Quick Facts

• State Income Tax: 5% + 4% surtax above $1M
• State Sales Tax: 6.25%
• Local Taxes: No local income taxes. Some cities add meals tax (up to 0.75%).
• Median Household Income: $89,645

How Your Massachusetts Paycheck Is Calculated

Your take-home pay in Massachusetts is calculated by subtracting the following from your gross pay:

• Federal Income Tax: Based on 2026 brackets (10% to 37%), after the standard deduction ($15,000 single / $30,000 married).
• Social Security Tax: 6.2% on the first $176,100 of earnings.
• Medicare Tax: 1.45% on all earnings, plus 0.9% on income above $200,000.
• Massachusetts State Tax: 5% + 4% surtax above $1M on your taxable income.

Tips to Maximize Your Massachusetts Take-Home Pay

Consider maximizing pre-tax deductions like 401(k) contributions (up to $23,500 in 2026) and HSA contributions ($4,300 individual / $8,550 family). These reduce your taxable income, lowering both federal and state taxes. If you receive a large bonus, be aware it may be withheld at a flat 22% federal rate plus applicable state taxes.