Maryland Hourly Paycheck Calculator

Maryland payroll taxes

Typical Maryland paychecks include federal income tax, Social Security, Medicare, Maryland state income tax, and a local (county or Baltimore City) income tax collected by the state. Employers fund Maryland unemployment insurance (SUTA), FUTA, workers’ compensation, and required notices. Pretax benefits—401(k)/403(b)/457(b), HSA, FSA, commuter, and eligible insurance premiums—can reduce taxable wages when plan-eligible.

• Employee (federal): Income tax (IRS W-4), Social Security, Medicare, Additional Medicare for high earners.
• Employee (state/local): Maryland withholding (Form MW507 elections) plus county/Baltimore City local income tax.
• Employer: Maryland SUTA; FUTA; workers’ compensation; required postings and recordkeeping.
• Pretax deductions: May lower federal/state/local taxable wages and, when eligible, FICA.

How Your Maryland Paycheck Works

Your net pay equals gross hourly wages (regular, overtime, tips, differentials, bonuses) minus pretax deductions; then minus FICA, federal income tax, Maryland state withholding, and your county/Baltimore City local tax. The calculator itemizes hours, rates, taxable wages, withholdings, deductions, and final take-home.

• Inputs: Hourly rate, hours, overtime, tips, pay frequency, filing status, dependents/credits, county of residence, deductions.
• Outputs: Line-by-line FICA, federal, MD state, local, deductions, and estimated net pay.
• Supplemental pay: Model flat vs. aggregate federal methods for bonuses/commissions to compare outcomes.

Maryland Income unemployment tax rate — 10 Years (Employer SUTA)

Replace placeholders with official Maryland Department of Labor figures (taxable wage base, experience-rated range, and new-employer rate) before publishing.

Maryland salary threshold

Maryland follows FLSA and state standards. Exempt status requires passing the duties tests and meeting the applicable salary-basis threshold; titles alone don’t confer exemption. Confirm Maryland minimum wage (state-set and sometimes county/larger jurisdiction rates for contractors), tip-credit rules, and industry-specific standards when classifying roles and calculating overtime.

Median Household Income: Maryland — 10 Years

Insert the latest U.S. Census/ACS one-year (or five-year) estimates before publishing.

Maryland Federal Insurance Contributions Act (FICA)

FICA is federal and applies in Maryland: employees pay Social Security and Medicare; employers match both. Above a federal threshold, Additional Medicare tax is withheld from employees (no employer match). Eligible pretax benefits (e.g., Section 125 health premiums) may reduce FICA-taxable wages depending on plan rules.

Number of cities that have local income taxes

50-word description: Maryland is distinctive: every resident pays a local income tax set by their county or Baltimore City, collected with state tax. Nonresidents working in Maryland may owe a special nonresident tax. Rates vary by county and change periodically. Always confirm your county of residence before payroll estimates.

Illustrative Maryland local (county/Baltimore City) income tax table (verify current rates before use)

Maryland Wage and Hour Laws: Overtime, Pay Frequency

• Overtime: Most non-exempt workers earn 1.5× the regular rate after 40 hours/week (FLSA baseline; some industries have special Maryland rules).
• Pay frequency: Employers must pay on a regular schedule (commonly biweekly or semimonthly) and provide itemized wage statements.
• Leave/benefits: Maryland has statewide earned sick and safe leave requirements for eligible employers—confirm coverage, accrual, and carryover limits.

Additional Maryland forms

• IRS Form W-4 (federal withholding elections).
• Maryland Form MW507 (Employee’s Maryland Withholding Exemption Certificate).
• Form I-9 employment eligibility verification; Maryland new-hire reporting.
• Direct deposit authorization; benefits enrollment (401(k), HSA, FSA, insurance).
• Maryland unemployment (employer) account registration; required workplace posters.

FAQs about the Maryland Hourly Paycheck Calculator

How do I use the Maryland Hourly Paycheck Calculator?

Enter hourly rate, hours, overtime, tips, pay frequency, filing status, dependents/credits, your county of residence, and pretax/post-tax deductions. The calculator applies FICA, federal, Maryland state, and local (county/City) withholding to show a line-by-line estimate.

Why is there a local income tax on my Maryland paycheck?

Maryland counties (and Baltimore City) levy a local income tax collected with state tax. Your county of residence determines the rate withheld, not necessarily your worksite.

Which form controls my Maryland state and local withholding?

Form MW507 controls Maryland state and local elections (in addition to your IRS W-4). Keep your county/residency accurate on MW507 to ensure the correct local rate is used.

How should I enter overtime, shift differentials, tips, and bonuses?

Enter overtime using the proper multiplier (typically 1.5× after 40 hours/week). Add differentials, tips, and supplemental wages separately so the calculator recomputes federal, state, and local withholding correctly.

Why did my Maryland paycheck change this period?

Common reasons: different hours/tips, overtime, bonuses (supplemental method), updated W-4/MW507, changes in benefits, moving to a county with a different local rate, or annual tax-table updates.

Does the calculator handle nonresident Maryland workers?

Yes—select a nonresident scenario. Maryland may impose a special nonresident tax on Maryland-sourced wages; the calculator can include it when you choose the nonresident option.

Can pretax benefits increase my take-home?

Yes. Eligible pretax deductions—401(k)/403(b)/457(b), HSA, FSA, commuter, and certain insurance—reduce taxable wages and may lower income tax and, when eligible, FICA.

How are tips treated in Maryland paycheck calculations?

Reported tips are taxable for federal, FICA, Maryland state, and local income tax. Include all tips to ensure proper withholding and compliance where tip credits apply.

How do multiple jobs affect my withholding?

Use the IRS multiple-jobs W-4 guidance and ensure MW507 reflects your situation and county. Model each job to avoid under- or over-withholding across employers.

What is Additional Medicare tax and when does it apply?

After you exceed the federal threshold, your employer withholds Additional Medicare on the excess. There’s no employer match; it appears alongside regular Medicare on your stub.

Are bonuses and commissions taxed differently?

They’re supplemental wages. Employers may use a flat federal supplemental rate or aggregate with regular wages. Maryland state and local withholding also apply; enter amounts separately to compare methods.

Can the calculator project annual take-home from my hourly rate?

Yes. Multiply typical weekly hours by 52, add expected overtime/tips/bonuses, then run the estimate with your pay frequency, county, and deductions to see an approximate annual net total.

What do people ask on Google about the Maryland Hourly Paycheck Calculator?

“Why is my MD paycheck lower than neighboring states?” “Which county has the highest local rate?” “How to fill MW507?” “How do 401(k)/HSA/FSA affect net?” “How to model a bonus?”

What do Reddit users commonly discuss about Maryland paycheck estimates?

“Moved counties—why did local tax change?” “Overtime vs. second job—what nets more?” “Best pretax mix to increase take-home?” “Flat supplemental vs. aggregate for bonuses?” “Biweekly vs. semimonthly differences?”

What do people ask on Quora regarding Maryland hourly pay calculators?

“How to estimate take-home before accepting a job in Baltimore or Bethesda?” “Gross vs. taxable vs. net?” “How do W-4 and MW507 interact?” “How do tips and commissions affect MD state and local taxes?”