Massachusetts Take-Home Pay Calculator
Calculate your actual take-home pay in Massachusetts after federal tax, Massachusetts state tax, Social Security, Medicare, and deductions. Massachusetts has a flat income tax rate of 5%, plus a 4% surtax on income over $1 million.
Annual Breakdown
Monthly Summary
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Your take-home is $4,204/month. See how it flows through your budget, savings, investments, and more over time.
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Massachusetts has a flat income tax rate of 5%, plus a 4% surtax on income over $1 million. The state also has a PFML payroll tax.
Understanding Your Take-Home Pay in Massachusetts
If you work in Massachusetts, your take-home pay is affected by a combination of federal taxes and Massachusetts-specific taxes and deductions. Here's what Massachusetts residents and workers need to know about their paycheck.
Massachusetts Income Tax
Massachusetts has a flat income tax rate of 5%, plus a 4% surtax on income over $1 million. The state also has a PFML payroll tax.
Cost of Living in Massachusetts
Massachusetts' cost of living is about 26% above the national average, with Greater Boston being significantly higher. When evaluating your Massachusetts take-home pay, consider how far your paycheck goes based on local costs for housing, food, transportation, and healthcare.
Financial Tips for Massachusetts Residents
- Massachusetts' 5% flat rate is moderate, but the millionaire surtax raises the effective rate to 9% on high income
- Massachusetts' PFML payroll tax adds approximately 0.318% to your deductions
- Boston's strong biotech, education, and finance sectors offer high salaries
- Massachusetts does not tax Social Security benefits
Key Massachusetts Tax Features
- Flat 5% rate plus 4% millionaire surtax
- PFML payroll tax (~0.318%)
- Strong biotech and education sectors
- No tax on Social Security
See How Your Massachusetts Take-Home Pay Builds Wealth
This calculator shows your Massachusetts paycheck. Trajectoryy's full simulator shows how that paycheck flows through your entire financial life — savings, investments, loans, retirement, and more.
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