Maryland Hourly Paycheck Calculator

Managing your income isn’t just about knowing your hourly wage—it’s about understanding how much you actually take home after taxes and deductions. If you live or work in Maryland, paycheck calculations can feel complicated due to state taxes, county tax variations, and federal withholdings.

Maryland Hourly Paycheck Calculator

Standard is 0 if unsure.

Why Use a Maryland Hourly Paycheck Calculator?

Unlike simple hourly wage × hours worked, real take-home pay depends on:

  • Federal income tax
  • Maryland state income tax
  • Local county income taxes (these vary)
  • Social Security and Medicare deductions
  • Other deductions like retirement contributions, health insurance, or union dues

The calculator automatically accounts for these factors, helping you know your true paycheck amount.

Formula for Maryland Hourly Paycheck

Here’s a simplified version of how net pay is calculated:

Net Pay = (Hourly Rate × Hours Worked) − Federal Tax − State Tax − Local Tax − FICA − Deductions

Where:

  • FICA (Federal Insurance Contributions Act) = Social Security (6.2%) + Medicare (1.45%)
  • Federal Tax = Based on IRS tax brackets and withholding allowances
  • Maryland State Tax = 2% to 5.75%, depending on income level
  • Local County Tax = 2.25% to 3.2%, depending on where you live or work

Example Calculation

Suppose you work in Baltimore County with the following details:

  • Hourly rate: $20/hour
  • Hours worked per week: 40
  • Weekly gross pay: $800

Step 1: Federal Withholding (approx. 12%)
$800 × 0.12 = $96

Step 2: FICA (7.65%)
$800 × 0.0765 = $61.20

Step 3: Maryland State Tax (approx. 4.75%)
$800 × 0.0475 = $38

Step 4: Local County Tax (approx. 3%)
$800 × 0.03 = $24

Net Pay = $800 − (96 + 61.20 + 38 + 24) = $580.80

So, the employee takes home around $581 per week.

How to Use the Maryland Hourly Paycheck Calculator

  1. Enter Hourly Rate – Input your hourly wage.
  2. Enter Hours Worked – Add regular hours and overtime hours (if any).
  3. Select Pay Frequency – Weekly, biweekly, semimonthly, or monthly.
  4. Add Deductions – Include pre-tax or post-tax deductions like 401(k), insurance, or union dues.
  5. Choose Maryland County – Since county taxes vary, selecting the correct location ensures accuracy.
  6. View Results – The calculator shows your gross pay, deductions, and net pay.

Benefits of Using the Calculator

✔ Quick and accurate take-home pay estimates
✔ Accounts for federal, state, and county taxes
✔ Helps employees plan budgets
✔ Useful for employers running payroll
✔ Adjusts for overtime and deductions

Maryland State & Local Tax Overview

  • State Income Tax Rates (2025): Range from 2% to 5.75% depending on income.
  • Local County Taxes: Range from 2.25% to 3.2%. For example:
    • Baltimore City: 3.2%
    • Montgomery County: 3.2%
    • Cecil County: 2.8%
  • Minimum Wage in Maryland (2025): $15.00/hour statewide.

Extra Payroll Factors

  • Overtime Pay: 1.5 × regular hourly rate for hours above 40 in a week.
  • Holiday Pay: Some employers provide extra pay for holiday shifts.
  • Pre-tax Deductions: Reduce taxable income (e.g., health insurance, retirement).
  • Post-tax Deductions: Taken after taxes (e.g., wage garnishments, union fees).

20 FAQs About the Maryland Hourly Paycheck Calculator

1. What does the Maryland Hourly Paycheck Calculator do?
It estimates your net pay after federal, state, and local taxes.

2. Does it include county income taxes?
Yes, you can select your county for accurate results.

3. Can I calculate overtime pay?
Yes, enter regular and overtime hours separately.

4. Does it account for pre-tax deductions?
Yes, you can add things like retirement contributions.

5. What about post-tax deductions?
Yes, you can also include garnishments or union dues.

6. Is this calculator for employees only?
No, employers can also use it to estimate payroll.

7. What is the Maryland minimum wage in 2025?
It’s $15.00 per hour statewide.

8. How are federal taxes calculated?
Based on IRS tax brackets and withholding allowances.

9. What is FICA?
It’s the combined Social Security (6.2%) and Medicare (1.45%) tax.

10. Do all Maryland counties have the same tax rate?
No, rates vary between 2.25% and 3.2%.

11. Can I use this if I’m a salaried employee?
Yes, just divide your salary by pay frequency to get an hourly rate.

12. What if I work in one county but live in another?
Generally, local tax is based on your residence.

13. Can I calculate monthly net pay?
Yes, choose “monthly” as pay frequency.

14. Does it account for bonuses?
Yes, you can add bonuses as extra income.

15. Can I use this for part-time work?
Yes, just enter actual hours worked.

16. What if I earn tips?
You can add tips as extra taxable income.

17. Does the calculator show gross pay?
Yes, it displays gross, deductions, and net pay.

18. Are Maryland taxes higher than other states?
Maryland has moderate state tax rates but adds local taxes.

19. Is this calculator updated for 2025 tax rates?
Yes, it reflects current federal and Maryland tax rates.

20. Is the calculator free?
Yes, it’s completely free to use.

Final Thoughts

The Maryland Hourly Paycheck Calculator is a must-have tool for anyone earning an hourly wage in the state. It saves time, improves accuracy, and gives you a clear picture of your true take-home pay.

Whether you’re budgeting your expenses, checking overtime earnings, or running payroll for employees, this calculator provides reliable and instant results.