Massachusetts Hourly Paycheck Calculator (2025)
Instantly calculate your take-home pay with our free Massachusetts hourly paycheck calculator. See accurate estimates after federal, MA state (5%), PFML, and FICA taxes. Perfect for suburban workers and bi-weekly pay periods.
Your Estimated Massachusetts Paycheck Breakdown
Here's a detailed look at where your money goes. The results update instantly as you adjust your inputs, showing federal, state, PFML, and FICA tax breakdowns.
Basic Information
How often you receive your paycheck
Utah state tax calculations applied (4.50% flat rate)
Your tax filing status affects your tax calculations
Paycheck Results
Deductions
Important Disclaimer
This calculator provides estimates only. Actual pay may differ due to:
- Additional taxes (local, disability, unemployment)
- Varying pay periods per year (not exactly 26 bi-weekly periods)
- Employer-specific deductions and benefits
- Mid-year tax law changes
Consult a tax professional for precise calculations.
How Massachusetts Hourly Paycheck Calculator Works
Our calculator uses advanced algorithms to provide accurate paycheck estimates based on Massachusetts' unique flat tax system, PFML requirements, and federal tax laws.
Enter Your Information
Input your hourly wage, work hours, pay frequency, and filing status. Our calculator automatically applies Massachusetts-specific settings including PFML calculations.
Real-Time Calculations
Our algorithm instantly calculates federal taxes, MA state tax (5% flat rate), PFML deductions (0.46%), Social Security, and Medicare based on current 2025 rates.
Detailed Breakdown
See exactly how much goes to federal, state, PFML, and FICA taxes. Get both gross and net pay with comprehensive percentage breakdowns.
Export & Share
Download your results as a PDF or print them for your records. Share calculations with your employer or tax professional.
MA Flat Tax System
Massachusetts uses a simple 5% flat state income tax rate, making calculations straightforward and predictable. For high earners over $1M, there's an additional 4% surtax.
2025 Massachusetts Tax Rates
Uses the latest federal tax brackets, MA state tax (5% flat rate), PFML deductions (0.46% total), and FICA rates, ensuring your calculations are current and accurate for 2025.
PFML Integration
Automatically handles Paid Family & Medical Leave deductions (0.18% family + 0.28% medical = 0.46% total), a unique Massachusetts requirement that most calculators miss.
High Minimum Wage
Includes Massachusetts' $15.00/hour minimum wage, one of the highest in the nation, with validation to ensure compliance with state labor laws.
Understanding Your Massachusetts Paycheck
Massachusetts' tax system features a simple 5% flat state income tax rate, plus federal taxes, FICA, and unique PFML deductions. With a $15/hour minimum wage and no local income tax, MA offers a straightforward but comprehensive tax structure for suburban workers and bi-weekly pay periods.
Massachusetts Tax Structure vs. Federal Tax
Federal Income Tax
Federal Income Tax: This is paid to the U.S. government (the IRS). The rates are the same for everyone across the country, based on your income and filing status.
Massachusetts State Income Tax
Massachusetts State Income Tax: 5% flat rate! MA uses a simple flat tax system, making calculations predictable. For high earners over $1M, there's an additional 4% surtax (Fair Share Amendment).
2025 Massachusetts Tax Structure
Massachusetts uses a flat 5% state income tax rate for all income levels, plus PFML deductions (0.46% total) and federal taxes. For very high earners over $1,000,000, there's an additional 4% surtax. This creates a simple but comprehensive tax structure.
Note: Massachusetts' flat tax rate makes it easier to predict take-home pay compared to progressive tax states, but PFML deductions add complexity that our calculator handles automatically.
Key Paycheck Terms Explained
Gross Pay
Your total earnings before any taxes or deductions are taken out.
Net Pay (Take-Home Pay)
The amount you actually receive in your bank account after all deductions.
FICA
Federal Insurance Contributions Act, which includes Social Security (6.2%) and Medicare (1.45%) taxes.
MA State Tax
Massachusetts' flat 5% state income tax rate, applied to all income levels regardless of how much you earn.
PFML
Paid Family & Medical Leave - Massachusetts program requiring 0.46% total deductions (0.18% family + 0.28% medical) from employee wages.
Fair Share Surtax
Additional 4% tax on income over $1,000,000 in Massachusetts, designed to fund education and transportation.
Frequently Asked Questions about Massachusetts Paychecks
What taxes are taken out of a paycheck in Massachusetts?
Massachusetts paychecks include: Federal Income Tax, Social Security (6.2%), Medicare (1.45%), Massachusetts State Income Tax (5% flat rate), PFML (Paid Family & Medical Leave) deductions (0.46% for employees), and any pre-tax deductions like 401(k) or health insurance. MA has no local income tax, making calculations simpler than some other states.
How is Massachusetts overtime calculated?
Massachusetts follows federal overtime laws. Overtime is calculated at 1.5x your regular hourly rate for hours worked over 40 in a week. Our Massachusetts hourly paycheck calculator supports both regular and overtime hours, making it perfect for suburban workers and bi-weekly pay periods.
What is Massachusetts minimum wage in 2025?
Massachusetts minimum wage is $15.00 per hour in 2025, one of the highest in the nation. Our calculator includes minimum wage validation to help ensure compliance with Massachusetts labor laws.
What is PFML in Massachusetts?
PFML (Paid Family & Medical Leave) is a Massachusetts program that provides paid time off for family and medical reasons. For employees, the total contribution is 0.46% of wages (0.18% for family leave + 0.28% for medical leave), with different rates depending on company size.
How accurate is this Massachusetts paycheck calculator?
Our tool uses the latest 2025 federal and Massachusetts tax rates to provide highly accurate estimates. It accounts for federal income tax, MA state tax (5% flat rate), PFML deductions, FICA taxes, and pre-tax deductions. However, it should be used for informational purposes only - your actual paycheck may vary slightly due to employer-specific benefits or other unique deductions.
Ready to See Your Real Numbers?
Scroll back up to use the most comprehensive Massachusetts hourly paycheck calculator and get instant clarity on your earnings, including PFML calculations.