Calculadora de cheque Maryland 2026
Maryland has 10 state brackets running 2%–6.5% — the 2025 Budget Reconciliation Act (BRA) added two new top brackets (6.25% over $500K single / $600K MFJ and 6.5% over $1M). But the more important number for most workers is the LOCAL tax. Every Maryland county and Baltimore City imposes a separate local income tax of 2.25%–3.20% — collected with state taxes via the same return. A Maryland W-2 worker faces combined state + local rates of 5%–9.7% across the income spectrum. Maryland's small standard deduction ($2,550 single / $5,150 MFJ) makes the effective tax burden appreciably higher than headline rates suggest.
Esta calculadora funciona en español; el contenido específico del estado se está traduciendo progresivamente. La matemática y la calculadora son idénticas a la versión inglesa.
Datos de tu cheque
Mostrando los 50 estados + DC — cada jurisdicción tiene página dedicada; elegir otra navega allí. Usa la calculadora principal →
Common: 100% up to 4%, or 50% up to 6%. For tiered formulas, switch to Tiered.Match dollars don't change your take-home (they go to the 401(k), not your paycheck) — but they show up below as "Total comp".
Maryland levies a 2% surtax on net capital gains when federal AGI exceeds $350,000 (MD Comptroller Technical Bulletin 58, per the 2025 Budget Reconciliation Act). Primary-residence sale gain under $1.5M and retirement-account assets are exempt — leave this $0 if those are your only gains.
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Sueldo neto anual
$56,268
≈ $4,689/mes · $2,164/quincenal · tasa efectiva 19.98%
Incluye impuesto local Condado Howard $2,400/año
+ $3,000/año aporte patronal 401(k) → $78,000 compensación total
🏖️ Planifica con este sueldo neto
Desglose de impuestos
Calcula tus números con la herramienta correcta
Asalariado, freelancer, bono, horas extra o propinas — elige la calculadora según tu situación.
Calculadora de Salario
Bruto anual a sueldo neto: federal + estatal + FICA + 401(k)/HSA. Los 50 estados.
Calcular sueldo netoSin Impuesto sobre Propinas
Aplica la deducción OBBBA 2025 por propinas (hasta $25,000) para meseros, conductores, estilistas, y otros trabajadores con propinas.
Calcular propinas netoCalc. Horas Extra
Aplica la deducción OBBBA 2025 'Sin Impuesto sobre Horas Extra' (hasta $12,500).
Calcular OT netoCalculadora Freelancer
1099, negocio propio, o LLC: impuesto SE (15.3%) más estimados trimestrales.
Calcular impuesto SEDatos de impuestos Maryland (2026)
Estructura tributaria
Progressive (10 brackets) + county tax
Tasa top
6.5% state + up to 3.20% county (sobre $1M single / $1M MFJ)
Deducción estándar
$2,550 single / $5,150 MFJ (capped, much smaller than federal)
Otra nómina estatal
Every county + Baltimore City imposes 2.25%–3.20% local income tax
Característica notable de nómina Maryland
Maryland's 2025 Budget Reconciliation Act added two new top brackets — 6.25% on income over $500K (single) / $600K (MFJ) and 6.5% on income over $1M. Combined with the local county income tax (2.25%–3.20%), high earners in Howard, Montgomery, or Baltimore City now face a combined marginal rate near 9.7%. Maryland's standard deduction is capped at $2,550 single / $5,150 MFJ — much smaller than federal.
Cómo funciona realmente un cheque Maryland
Withholding on a Maryland paycheck flows through Form MW507, which captures both your filing status and your county of residence — the latter determines which county's local income tax (2.25%–3.20%) gets withheld alongside the state portion. Maryland is one of only three states where local income tax follows the worker home rather than to the workplace, so a Howard County resident commuting to a Washington DC job still owes Howard's 3.20% local tax (with a credit for any DC tax actually paid). Updating MW507 promptly after a county move avoids a year of misallocated withholding showing up at filing.
Take-home math at three tiers, Maryland Montgomery County single filer 2026 (3.20% local rate, post-2025 BRA): $60,000 → about $4,400 federal + $4,590 FICA + $2,640 MD state + $1,920 county = $13,550 deductions, take-home $46,450 (77%). $100,000 → $11,800 federal + $7,650 FICA + $5,000 MD state + $3,200 county = $27,650, take-home $72,350 (72%). $150,000 → $24,000 federal + $9,275 FICA + $8,250 MD state + $4,800 county = $46,325, take-home $103,675 (69%). The combined 9.7% state+local marginal rate at the top end approaches NJ-without-property-tax territory; Maryland's small $2,550 standard deduction also pulls more income into the bracket schedule than a federal-conforming state would.
Maryland's 2025 Budget Reconciliation Act added two new state brackets — 6.25% over $500K single / $600K MFJ and 6.5% over $1M — and a 2% capital-gains surtax on net cap-gains when federal AGI exceeds $350,000. Stack the surtax on top of the new top bracket and the Howard/Baltimore/Montgomery/PG 3.20% county rate, and a high-earning Maryland resident pays an effective marginal 11.7% on long-term capital gains above $1M (6.5% state + 3.2% local + 2% surtax). Primary-residence sale gain under $1.5M and retirement account distributions are exempt from the surtax. Federal-job density along the I-95/270 corridor (NSA, NIH, FDA, NIST, Hopkins) means a disproportionate share of MD W-2 workers are GS-grade federal employees with locality pay; the MD PTET election doesn't help that population, but maxing 401(k) + HSA does.
The single highest-leverage tactic for Maryland W-2 earners is exploiting the federal-conforming pre-tax retirement and HSA shelters since Maryland follows federal §401(k) and §125 cafeteria treatment. A federal employee in the 24% federal bracket living in a 3.20% county saves about $33 in MD state+local tax per $1,000 of 401(k) deferral — modest, but it stacks across $24,500 + $4,400 HSA. The bigger lever is for high earners crossing the new $500K BRA threshold: the marginal 6.25%–6.5% jump above $500K makes pre-tax deferrals materially more valuable than they were pre-2025. Self-employed and partnership-income Marylanders should also evaluate the MD PTET election as a SALT-cap workaround.
Peculiaridades fiscales Maryland
- •2025 BRA reform added two new brackets: 6.25% over $500K single / $600K MFJ and 6.5% over $1M — affects roughly the top 1% of MD filers.
- •2% capital-gains surtax on net capital gains when federal AGI > $350,000 (same threshold for ALL filing statuses), effective tax year 2025. Stacks on top of regular MD state + local tax — so a high-earner MD resident pays an effective marginal rate ~11.7% on capital gains (6.5% state + 3.2% local + 2% surtax). Exemptions: primary-residence sale gain under $1.5M, retirement-account assets. The capital-gains input on this calculator above triggers it when state = MD.
- •23 counties + Baltimore City each impose local income tax (LIT) — 2.25% (Worcester) up to 3.20% (Howard, Baltimore City, Montgomery, Prince George's). Most major suburbs sit at 3.20%.
- •MD standard deduction is capped at $2,550 single / $5,150 MFJ (15% of income, capped) — much smaller than federal $16,100 / $32,200.
- •MD does NOT conform to federal §199A QBI deduction at the state level — self-employed Marylanders lose that benefit. Local tax is determined by COUNTY OF RESIDENCE, not employer location.
Sources: federal brackets + standard deduction from IRS Rev. Proc. 2025-32; retirement contribution limits ($24,500 401(k), $4,400 HSA, $7,500 IRA) from IRS Notice 2025-67; FICA limits from the SSA 2026 Fact Sheet;Maryland state brackets verified against the Tax Foundation 2026 State Income Tax Rates compilation and the official Maryland Resident Tax Booklet (Comptroller of Maryland). Recent Maryland reforms referenced: MD HB 352 / 2025 Budget Reconciliation Act — added 6.25% / 6.5% brackets + 2% capital-gains surtax over $350K AGI. Always cross-check with your state DOR before relying on any number for filing.
Referencia federal de impuestos sobre nómina
Por encima de la línea estatal, cada cheque Maryland debe impuesto federal sobre la renta + FICA (Seguridad Social + Medicare). Los desgloses: