Massachusetts Paycheck Calculator

Use Federal Pension Advisors' Massachusetts paycheck calculator to find out your take-home pay for both salaried and hourly jobs. It helps you see how much you’ll actually take home after federal, state, and local taxes are deducted.

State

Earnings

Gross Pay Method

Gross Pay

Federal Taxes

Federal Filing Status

Dependents Amount

Other Income

Deductions

Additional Federal Withholding

Note: The results provided by this calculator are estimates and should not be considered as financial advice. For precise calculations and personalized advice, please consult with a financial professional.

Massachusetts Taxes: An Overview

In Massachusetts, the state income tax is progressive, meaning the rate increases as income rises. There are no additional local income taxes in any Massachusetts cities.

Massachusetts Paycheck Tax Calculator

Massachusetts Paycheck Quick Facts:

Massachusetts state income tax rates range 6.25%
The median household income in the state is $96,505, based on U.S. Census Bureau data
No cities in Massachusetts have local income taxes

Understanding Your Massachusetts Paycheck

While income tax returns are due every spring, taxes are paid throughout the year through paycheck withholdings. When you complete a W-4 form, you provide your marital status, and whether you’re exempt from withholding, among other details. Your employer uses this to determine how much tax to withhold from your paychecks. It’s important to update your W-4 when starting a new job or after significant life changes, like having a child.

The IRS has updated the W-4 form recently. Instead of listing allowances, the new form has a five-step process to enter personal details, claim dependents, and indicate other income or jobs. These changes mainly affect those adjusting their withholdings or changing jobs.

Contributing to a 401(k), health savings account (HSA), or flexible spending account (FSA) reduces your taxable income since this money is taken out before taxes are calculated. This also applies to premiums for employer-sponsored health, life, and disability insurance.

Massachusetts Median Household Income

Year	Median Household Income
2022	$96,505
2021	$86,566
2020	$87,812
2019	$87,707
2018	$86,345
2017	$76,243
2016	$72,266
2015	$67,861
2014	$63,151
2013	$62,529
2012	$63,656

In Massachusetts, your employer will take money from your paychecks to cover state income taxes. You can use Form M-4 to let your employer know about any withholding exemptions you qualify for.

Form M-4 is similar to the W-4 form but is used for Massachusetts state taxes. Just like the W-4, you can also request additional amounts to be withheld using the M-4. You can update and resubmit the M-4 anytime during the year if your circumstances change, such as if you have a new dependent. However, if the information on your M-4 is the same as on your W-4, you don’t need to submit the M-4. Just give your employer your W-4 form and that’s enough.

Using paycheck calculators, such as the Massachusetts paycheck calculator or the Wisconsin paycheck calculator, can help you understand how often you get paid and how taxes will impact your take-home pay.

How You Can Affect Your Massachusetts Paycheck

If you got hit with a big tax bill last year, you have a few options to avoid it again. You can update your W-4 or M-4 form to ask for extra money to be withheld from each paycheck. Both forms have a spot where you can specify an additional amount to be taken out. If you're unsure how much to withhold, use our paycheck calculator to estimate your tax liability.

If you're already managing your budget well, consider putting more money into tax-advantaged accounts like a 401(k), HSA, or FSA. These contributions come out of your pay before taxes are calculated. If your company has an HR department, you might want to schedule a meeting to explore your options. You might also be able to reduce your taxable income by joining a commuter benefits program or setting up payroll deductions for a 529 college savings plan.

Most Paycheck Friendly Places in Massachusetts

Rank	County, State	Semi-Monthly Paycheck	Purchasing Power	Unemployment Rate	Income Growth	Most Paycheck Friendly Index
1	Middlesex County, MA	$2,350	2.29	3.1%	4.66%	66.38
2	Norfolk County, MA	$2,350	2.24	3.3%	4.44%	65.33
3	Hampshire County, MA	$2,350	2.27	3.4%	4.21%	65.21
4	Plymouth County, MA	$2,350	2.17	4.0%	4.81%	63.81
5	Worcester County, MA	$2,350	2.15	3.9%	4.04%	63.00
6	Nantucket County, MA	$2,350	2.48	6.3%	5.44%	62.81
7	Suffolk County, MA	$2,350	1.59	3.6%	6.92%	61.45
8	Bristol County, MA	$2,350	2.00	4.6%	4.60%	60.91
9	Barnstable County, MA	$2,350	1.97	4.7%	4.79%	60.70
10	Essex County, MA	$2,350	1.85	3.9%	4.11%	60.40
Massachusetts		$2,350	2.1	4.2%	4.5%

Why Use a Massachusetts Paycheck Calculator?

Understanding your take-home pay is essential for effective budgeting and financial planning. A assachusetts paycheck tax calculator simplifies this process by accurately determining your net pay. It takes into account various deductions such as federal taxes, state taxes, Social Security, Medicare, and any pre-tax deductions like health insurance or retirement contributions. By Using a calculator tailored to tax regulations, such as the Colorado paycheck calculator or the Indiana paycheck calculator, ensures that all relevant state-specific factors are included in your calculations.

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