Massachusetts Paycheck Calculator
On a $60,000 salary in Massachusetts, a single filer takes home about $1,829.34 every two weeks ($47,434 a year) after federal income tax, Social Security, Medicare, Massachusetts income tax and MA Paid Family & Medical Leave. Massachusetts tax follows the state's own 2026 withholding booklet; enter your own pay below for your exact paycheck. Below the calculator: Massachusetts rules on minimum wage, overtime, paydays, your final paycheck and wage claims, each from an official source.
Compare two scenarios
- A (saved)
- B (the form now)
| A | B | B vs A |
|---|
An estimate of what your employer withholds, using the IRS percentage method. Your actual paycheck can differ by a few cents because of rounding, or by more if your employer uses other settings.
How we got your number
Each step links to the official document it comes from.
Guides: how to read your pay stub · filling out Form W-4 · biweekly vs semi-monthly pay · why pay rises after the Social Security cap · how much tax is taken out, by state · who gets overtime · 1099 vs W-2 pay
Massachusetts paycheck rates for 2026
Every rate links to the official source and shows when we last checked it. Our Massachusetts tax is checked against Massachusetts's published withholding formula on every build: see how we verify.
| What comes out | 2026 rate | Official source | Checked |
|---|---|---|---|
| Federal income tax | 10%–37% brackets (IRS percentage method) | IRS Publication 15-T (2026) | Oct 24, 2026 |
| Social Security | 6.2% up to $184,500 | SSA COLA fact sheet | Oct 24, 2026 |
| Medicare | 1.45%, plus 0.9% over $200,000 | IRS Publication 15 | Oct 24, 2026 |
| Massachusetts income tax | 5% (9% above $1,107,750 a year), after exemptions and up to $2,000 of Social Security and Medicare | Massachusetts DOR, Circular M (effective January 1, 2026) | Oct 24, 2026 |
| MA Paid Family & Medical Leave | 0.46% of wages, up to $184,500 | Mass.gov, PFML contribution rates 2026 | Oct 24, 2026 |
What changed in 2026
Massachusetts
- Income tax stays 5%; the 4% surtax threshold rose from $1,083,150 to $1,107,750. Source
- Paid family and medical leave: employees can be charged up to 0.46% of wages, up to the Social Security wage base. Source
Federal, for everyone
- Social Security wage base rose from $176,100 to $184,500. Source
- New 2026 federal withholding tables reflect the One Big Beautiful Bill Act, which made the lower tax rates and larger standard deduction permanent. Source
- Form W-4 for 2026: Step 4(b) now covers the new deductions for qualified tips, overtime, car loan interest and people 65 and older, and there is a new checkbox to claim exemption. Source
- Form W-4 Step 3 counts $2,200 for each child under 17. Source
Take-home pay in Massachusetts at common salaries (2026)
On a $70,000 salary in Massachusetts, you take home about $2,105.41 every two weeks, or $4,561.72 a month, after federal income tax, Social Security, Medicare, Massachusetts income tax and MA Paid Family & Medical Leave.
| Salary | Every two weeks | Per month | Per year | Withheld |
|---|---|---|---|---|
| $30,000 | $960.82 | $2,081.78 | $24,981.32 | 16.7% |
| $40,000 | $1,250.33 | $2,709.05 | $32,508.58 | 18.7% |
| $50,000 | $1,539.85 | $3,336.34 | $40,036.10 | 19.9% |
| $60,000 | $1,829.34 | $3,963.57 | $47,562.84 | 20.7% |
| $70,000 | $2,105.41 | $4,561.72 | $54,740.66 | 21.8% |
| $80,000 | $2,356.44 | $5,105.62 | $61,267.44 | 23.4% |
| $90,000 | $2,607.50 | $5,649.58 | $67,795.00 | 24.7% |
| $100,000 | $2,858.54 | $6,193.50 | $74,322.04 | 25.7% |
| $125,000 | $3,483.69 | $7,547.99 | $90,575.94 | 27.5% |
| $150,000 | $4,092.10 | $8,866.22 | $106,394.60 | 29.1% |
Assumes a single filer paid every two weeks with a 2026 Form W-4 and no adjustments, no 401(k) or health deductions, and the rules in force on Oct 26, 2026. Monthly and yearly figures are the paycheck times 26, divided by 12 for monthly. Enter your own pay above for your exact numbers.
What workers earn in Massachusetts
The typical (median) worker in Massachusetts earns $30.57 an hour, or about $63,590 a year full time, across all 3,637,650 jobs in the state (BLS, May 2025). At that pay a single filer takes home about $1,933.29 every two weeks, after federal income tax, Social Security, Medicare, Massachusetts income tax and MA Paid Family & Medical Leave. Source
| Pay level | Yearly pay | Take-home every two weeks | Take-home a year |
|---|---|---|---|
| 10th percentile | $36,340 | $1,144.36 | $29,753.36 |
| 25th percentile | $44,740 | $1,387.55 | $36,076.30 |
| Median (typical worker) | $63,590 | $1,933.29 | $50,265.54 |
| 75th percentile | $102,590 | $2,923.57 | $76,012.82 |
| 90th percentile | $163,010 | $4,408.70 | $114,626.20 |
Pay for common jobs in Massachusetts
| Job | Median yearly pay in Massachusetts | Take-home every two weeks | Jobs in Massachusetts |
|---|---|---|---|
| Home Health Aide | $40,910 | $1,276.68 | 117,940 |
| Registered Nurse | $104,560 | $2,973.03 | 88,200 |
| Retail Salesperson | $36,610 | $1,152.19 | 86,860 |
| Cashier | $35,530 | $1,120.92 | 58,880 |
| Customer Service Representative | $49,110 | $1,514.07 | 49,990 |
| Software Engineer (Developer) | $165,210 | $4,462.23 | 48,190 |
| Accountant | $99,470 | $2,845.24 | 46,230 |
| Nursing Assistant (CNA) | $46,680 | $1,443.73 | 38,130 |
BLS Occupational Employment and Wage Statistics, May 2025, for Massachusetts: hourly pay for all jobs, times 2,080 hours, rounded to the nearest $10. The jobs are those on our salary by job pages with the most workers in Massachusetts. Take-home: single filer paid every two weeks, 2026 Form W-4, no deductions, rules in force on Oct 26, 2026, worked out with the same engine as the calculator.
Paycheck rules in Massachusetts
What Massachusetts law says about how much, how and when you are paid. Each rule links to the official source. Checked Oct 25, 2026.
| Topic | The rule | Official source |
|---|---|---|
| Minimum wage | Massachusetts' minimum wage is $15.00 an hour, in effect since January 1, 2023. No further increase is scheduled; a new rise would need the legislature or a ballot question. | Mass.gov, Massachusetts law about minimum wage |
| Tipped workers | Tipped workers can be paid a service rate of $6.75 an hour, but only if they get more than $20 a month in tips and tips plus the service rate reach at least $15.00 an hour. | Mass. Attorney General, Guide to Workplace Rights and Responsibilities |
| Overtime | Unless your job is exempt, you must be paid at least 1.5 times your regular rate for every hour over 40 worked in a week. | Mass. Attorney General, Guide to Workplace Rights and Responsibilities |
| How often you get paid | Hourly employees must be paid every week or every other week, within 6 or 7 days after the pay period ends. Salaried employees may be paid twice a month, or monthly if they agree. | Mass. Attorney General, Guide to Workplace Rights and Responsibilities |
| Final paycheck | If you are fired or laid off, you must be paid in full on your last day of work. If you quit, you must be paid in full on the next regular payday. | Mass. Attorney General, Guide to Workplace Rights and Responsibilities |
| Pay stub | You must get a pay stub showing your name and the employer's name, the payment date, hours worked and hourly rate, and all deductions or increases. Your employer cannot charge you for it. | Mass. Attorney General, Guide to Workplace Rights and Responsibilities |
| Deductions from pay | Your employer cannot take money out of your pay to cover its ordinary business costs, and the law limits how much can be deducted for housing and meals. | Mass. Attorney General, Guide to Workplace Rights and Responsibilities |
| Unpaid wage claims | File a complaint with the Attorney General's Fair Labor Division online (choose Non-Payment of Wage) or call the Fair Labor Hotline at (617) 727-3465. The deadline to sue over unpaid wages is usually 3 years. | Mass. Attorney General, File a workplace complaint |
| Paid Family and Medical Leave | Most employers send a Paid Family and Medical Leave contribution of 0.88% of eligible wages in 2026, and part of it can be withheld from your pay. At employers with fewer than 25 workers, the 0.46% rate can come entirely from your wages. | Mass. DFML, PFML contribution rates |
More on pay at the minimum: Massachusetts minimum wage, with weekly, monthly and yearly pay, take-home pay and the next increase.
What changes in 2027
- Social Security applies to the first $192,300 you earn in 2027 (up from $184,500). SSA
- New federal withholding tables: the IRS has not published them yet. We add them within days of release; until then, 2027 pay dates use the 2026 tables.
- Massachusetts has not yet published Circular M for 2027.
Massachusetts changelog
Every version of the Massachusetts rules this calculator has used, with the date it takes effect, the official source it comes from and when we checked it. The pay date you enter picks the version in force on that day.
| Effective | Status | What the calculator uses | Official source |
|---|---|---|---|
| Jan 1, 2027 | Waiting for the official publication | Massachusetts has not yet published Circular M for 2027. | Will be checked against the new edition of Massachusetts DOR, Circular M (effective January 1, 2026) |
| Jan 1, 2026 | Verified Oct 24, 2026 (in use today) | Massachusetts income tax: 5% (9% above $1,107,750 a year), after exemptions and up to $2,000 of Social Security and Medicare MA Paid Family & Medical Leave: 0.46% of wages, up to $184,500 | Massachusetts DOR, Circular M (effective January 1, 2026) Mass.gov, PFML contribution rates 2026 Massachusetts DOR, TIR 02-6 |
Site updates for Massachusetts
- Oct 25, 2026: New: Bonus Tax Calculator and Gross-Up Calculator
- Oct 24, 2026: Added Georgia, New Jersey, Ohio, Pennsylvania, Virginia, Michigan, Massachusetts and Colorado
Massachusetts paycheck questions
How much Massachusetts income tax comes out of my paycheck?
Massachusetts subtracts Social Security and Medicare (up to $2,000 a year) and your M-4 exemptions, then withholds 5%, plus a 4% surtax on very high pay. Show the math lists every step.
Why does the calculator ask about Form M-4?
Your employer withholds Massachusetts tax based on the Form M-4 you filled in, which is separate from your federal Form W-4. If you never filled one in, employers usually withhold as single with no allowances.
What is the MA PFML deduction?
Massachusetts paid family and medical leave. Employers may take up to 0.46% of wages from workers, up to the Social Security wage base; some employers pay part of it themselves.
What is the minimum wage in Massachusetts in 2026?
The Massachusetts minimum wage is $15.00 an hour and has been since January 1, 2023. Tipped workers can be paid $6.75 an hour if tips bring them to at least $15.00. No increase is currently scheduled.
When do I get my last paycheck if I'm fired in Massachusetts?
If you are fired or laid off, your employer must pay you in full on your last day of work. If you quit, you must be paid in full by the next regular payday.
How often must hourly workers be paid in Massachusetts?
Hourly employees must be paid weekly or every other week, and the pay is due within 6 or 7 days after the pay period ends, depending on how many days you worked that week.
Where do I report unpaid wages in Massachusetts?
Contact the Attorney General's Fair Labor Division. You can file a complaint online, choosing Non-Payment of Wage for most cases, or call the Fair Labor Hotline at (617) 727-3465 on weekdays from 10 a.m. to 4 p.m.
Why is PFML taken out of my Massachusetts paycheck?
Massachusetts Paid Family and Medical Leave is funded by contributions on wages, 0.88% at employers with 25 or more workers in 2026. Your employer may withhold part of it from your pay; small employers may withhold the full 0.46% rate.
Why is my first paycheck in January different?
New federal withholding tables and a new Social Security cap start on January 1. Pick a 2027 pay date in the calculator to see the change.
Why did my paycheck get bigger late in the year?
Social Security stops once your pay for the year reaches $184,500. Enter your pay so far this year to see when that happens.
How much is $70,000 a year after taxes in Massachusetts?
About $54,740.66 a year, or $2,105.41 every two weeks, for a single filer with no pre-tax deductions in 2026. That is after federal income tax, Social Security, Medicare, Massachusetts income tax and MA Paid Family & Medical Leave. Use the calculator for your own filing status and deductions.
What is the average salary in Massachusetts?
The median (typical) worker in Massachusetts earns $30.57 an hour, about $63,590 a year full time, and the mean (average) is $41.16 an hour, about $85,610 a year (BLS, May 2025). The median is lower because a few high earners pull the average up. At the median, take-home pay is about $1,933.29 every two weeks for a single filer.