Maryland Income Tax Calculator 2026

How Maryland Income Tax Calculator Works

Calculate your Maryland income tax (up to 6.5%) plus federal tax. See combined brackets, effective rate, and take-home pay. Enter your values into the form above and the calculator processes them instantly in your browser — no data is sent to any server.

Maryland Income Tax: Graduated Brackets Up to 6.5%

Maryland uses a progressive income tax system with 10 brackets. Rates range from 2.0% to 6.5%, with higher income taxed at higher rates. Maryland counties also levy a local piggyback income tax (2.25% to 3.30% for 2026; 3.20% in Baltimore City, Baltimore County, Howard, Montgomery and Prince George's) on the same Maryland taxable income. This calculator shows the state tax only, without county tax.

Like federal taxes, Maryland's system is marginal — only the income within each bracket is taxed at that bracket's rate. Combined with federal taxes (10%–37%), Maryland residents can face a total marginal rate of up to 43.5% on their highest dollars of income.

Maryland Tax Brackets for 2026 (Single Filer)

The Maryland income tax brackets for single filers are:

• 2.0% on income from $0 to $1,000
• 3.0% on income from $1,000 to $2,000
• 4.0% on income from $2,000 to $3,000
• 4.75% on income from $3,000 to $100,000
• 5.0% on income from $100,000 to $125,000
• 5.25% on income from $125,000 to $150,000
• 5.5% on income from $150,000 to $250,000
• 5.75% on income from $250,000 to $500,000
• 6.25% on income from $500,000 to $1,000,000
• 6.5% on income over $1,000,000

These brackets apply to Maryland taxable income: your wages minus the $3,400 standard deduction ($6,800 married filing jointly or head of household) and the $3,200 personal exemption (two for joint filers), which shrinks above $100,000 of income for single filers and $150,000 for joint filers. Joint and head of household filers use wider brackets above $3,000. Example: a single filer earning $60,000 has $53,400 of Maryland taxable income and owes about $2,484 in Maryland state tax before county tax.

Your marginal rate is the rate on your last dollar of income. Your effective rate (total tax divided by total income) is always lower because of the progressive structure.

Tips to Lower Your Maryland Tax

Maximize pre-tax retirement contributions to reduce both federal and Maryland taxable income. The 2026 401(k) limit is $24,500 ($32,500 with catch-up for age 50+). Maryland uses its own standard deduction ($3,400 single for 2026) and personal exemptions, so this calculator applies those Maryland amounts rather than the federal deduction; federal itemized deductions are not applied to the state figure.

Tips for Getting Accurate Results

For the most accurate results, use up-to-date numbers from official sources. Double-check your inputs before calculating — small errors in the starting values can lead to significantly different outputs. If you are comparing scenarios, keep all variables the same except the one you are testing. Save or screenshot your results for future reference. This calculator uses standard formulas and is designed to give you a reliable quick estimate, though professional advice may be needed for complex situations.