Maryland income tax calculator
Estimate your 2026 Maryland and federal income tax and whether you will get a refund. A single filer earning $75,000 owes about $3,197 in Maryland income tax and $7,676 in federal income tax.
By John Crane, MBA & the Editorial Team · Updated for the 2026 tax year. How we check our numbers
Estimated federal amount owed
$876.00
Federal tax $9,876 · Maryland owed $3,672
| Federal tax | $9,876 | 11.6% |
|---|---|---|
| Maryland and local tax | $3,672 | 4.3% |
| Income after these taxes | $71,453 | 84.1% |
- Adjusted gross income
- $85,000
- Taxable income
- $68,900
- Deduction used
- Standard $16,100
- Federal bracket
- 22%
- Effective federal rate
- 11.6%
- MD tax after credits
- $3,672
Where your federal tax comes from
Ordinary income by bracketFederal return summary
Form 1040, 2026| Line | Amount |
|---|---|
| Total income | $85,000.00 |
| Adjustments | -$0.00 |
| Adjusted gross income | $85,000.00 |
| Standard deduction | -$16,100.00 |
| Taxable income | $68,900.00 |
| Income tax | $9,876.00 |
| Total federal tax | $9,876.00 |
| Withholding and estimated payments | $9,000.00 |
| Federal amount owed | $876.00 |
Maryland return
2026 rules| Line | Amount |
|---|---|
| State taxable income | $78,400.00 |
| Tax before credits | $3,671.50 |
| State tax after credits | $3,671.50 |
| State withheld | $0.00 |
| State amount owed | $3,671.50 |
- The $6,850 joint standard deduction is derived from the statute's indexing and the pension cap is the 2025 amount, pending the 2026 Form 502.
- Pick your county (or Baltimore City) of residence on December 31 to include Maryland local income tax.
Income tax in Maryland
- Maryland applies graduated state rates from 2% to 6.5% in 2026, with the top rate reached above $1,000,000 of taxable income ($1,200,000 for joint filers).
- Each county and Baltimore City adds its own local income tax on the same taxable income, based on where the filer lives on December 31.
- Starting from federal AGI, Social Security is fully exempt, each person gets a $3,200 exemption that phases down at higher incomes, and filers 65 or older can exclude part of their employer pension income.
- Credits include an earned income credit of 50% of the federal credit (100% for single filers without children), a senior tax credit of $1,000 ($1,750 when both joint filers are 65 or older), and a child tax credit at low incomes.
2026 income tax at common incomes (wages only, standard deduction)
| Income | Federal tax, single | Maryland tax, single | Maryland rate, single | Maryland tax, married |
|---|---|---|---|---|
| $40,000 | $2,623 | $1,534 | 3.8% | $1,218 |
| $60,000 | $5,023 | $2,484 | 4.1% | $2,168 |
| $75,000 | $7,676 | $3,197 | 4.3% | $2,881 |
| $100,000 | $13,176 | $4,384 | 4.4% | $4,068 |
| $150,000 | $24,734 | $7,040 | 4.7% | $6,443 |
Rates
Top rate 6.5%. At $75,000 of wages, each extra $1,000 adds about $48 of Maryland tax.
Family example
A married couple earning $60,000 with two children and $4,000 of child care: Maryland tax of $1,864 before credits, credits of Maryland EIC ($621), Child and dependent care credit ($323), for $920 owed.
Local income tax
24 built-in jurisdictions, including Allegany County, Anne Arundel County, Baltimore County, Baltimore City. Pick yours in the calculator.
Examples assume wages only, the standard deduction and no other income. See what comes out of each check in the Maryland paycheck calculator.
More for Maryland: Maryland paycheck calculator · Maryland mortgage calculator · Maryland home affordability calculator
Income tax calculators for other states
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How this is calculated
Federal return
The 2026 Form 1040: standard or itemized deduction, the new Schedule 1-A deductions, tax rates, child tax credit, child and dependent care credit and EITC.
Maryland
Maryland's 2026 resident return: its starting point, Social Security and retirement adjustments, deductions, exemptions, rates and main credits, plus local income tax figured on the state return.
Sources
Official Maryland tax guidance (3 sources), checked for 2026. The $6,850 joint standard deduction is derived from the statute's indexing and the pension cap is the 2025 amount, pending the 2026 Form 502.
Sources
Related guides
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Questions
How much Maryland income tax do I pay on $75,000?
About $3,197 for a single filer with only wage income and the standard deduction (4.3% of income), or $2,881 for a married couple filing jointly on the same income. Federal income tax on $75,000 for a single filer is about $7,676.
What is Maryland's top income tax rate in 2026?
6.5% on the highest incomes. At $75,000 of wages, each extra $1,000 adds about $48 of Maryland tax. Local income tax can apply on top.
Does Maryland tax Social Security and retirement income?
Partly. A single retiree aged 67 with $30,000 of Social Security and $30,000 of pension or IRA withdrawals owes about $12 in Maryland income tax in 2026. Exclusions depend on age, income and the type of retirement income.