Maryland Salary Calculator – How to Use It

The Maryland Salary Calculator is a financial tool that allows employees in Maryland to estimate their take-home pay after deductions for federal tax, state tax, Social Security, and Medicare.

What is the Maryland Salary Calculator?

Maryland, like all U.S. states, applies state income taxes in addition to federal deductions. For employees, it is often confusing to know how much of their gross annual salary actually lands in their bank account.

The Maryland Salary Calculator solves this problem by giving a quick breakdown of gross income, deductions, and final take-home pay. It accounts for federal tax, Maryland’s average state tax rate, and mandatory payroll contributions such as Social Security and Medicare.

How to Use the Maryland Salary Calculator

Using the calculator is simple. Just follow these steps:

Step 1: Enter Your Gross Annual Salary

Input the amount you earn before deductions.
Example: $60,000 per year.

Step 2: Select Your Filing Status

Choose between Single or Married, as federal tax brackets vary.
Example: Select “Single” if you are unmarried.

Step 3: Click "Calculate Take-Home Pay"

The calculator will instantly display the results, including:
- Federal Tax
- Maryland State Tax
- Social Security Deduction
- Medicare Deduction
- Net Annual and Monthly Income

Example Calculation

Suppose you earn $60,000 annually, filing as Single:

Federal Tax (approx. 12%): $7,200
Maryland State Tax (approx. 4.75%): $2,850
Social Security (6.2%): $3,720
Medicare (1.45%): $870

Total Deductions: $14,640
Net Annual Income: $45,360
Net Monthly Income: $3,780

This gives you a realistic picture of how much you will actually bring home.

Why Use the Maryland Salary Calculator?

Helps with financial planning
Estimates loan or mortgage eligibility
Compares job offers more accurately
Assists in budgeting monthly expenses

FAQ – Maryland Salary Calculator

Does the calculator give exact numbers?
No, it provides an estimate. Your actual salary may differ due to tax credits, deductions, health insurance, or retirement contributions.

What is the Maryland state tax rate in 2025?
Maryland uses a progressive tax system with rates between 2% and 5.75%. The calculator uses an average of 4.75% for simplicity.

Does this include local county taxes?
No. Maryland counties and Baltimore City impose additional local taxes (typically 2.25%–3.20%), which may slightly reduce net pay.

Is Social Security capped?
Yes, Social Security tax applies only up to the annual wage base limit set by the IRS. The calculator assumes your salary falls under that limit.

Who should use this calculator?

Employees in Maryland
Freelancers estimating payroll deductions
People comparing net pay in different states