How Much Is $70,000 After Taxes in Massachusetts?
While MA state tax withholding is straightforward, there are federal taxes and payroll deductions that impact the final paycheck. We present the detailed breakdown of methodology below.
Taxes Deducted from a $70,000 Salary in Massachusetts
1. Federal Taxes
The federal income tax varies based on the filing status as well as deductions. An estimated amount of $6,500 to $9,000 might be withheld for a single filer in line with the relevant tax brackets alongside W-4 sections.
Social Security tax: 6.2% (on earnings up to $176,100 for 2025), which equals $4,340 on a $70,000 salary.
Medicare tax: 1.45% of total wages, amounting to $1,015.
An additional Medicare tax of 0.9% applies to income amounts above $200,000. Therefore, such tax does not apply here.
2. MA State Tax Withholding
MA income tax rate is a flat 5%. It means $3,500 is withheld from a $70,000 salary.
Massachusetts Paid Family and Medical Leave (PFML) contribution: 0.318%, or about $223.
Estimated Take-Home Pay for $70,000 Salary in MA
After taxes are deducted as detailed above, the approximate breakdown is presented below:
| Deduction Type | Amount Deducted |
|---|---|
| Federal Income Tax | ~$6,500 – $9,000 |
| Social Security (6.2%) | $4,340 |
| Medicare Tax (1.45%) | $1,015 |
| MA Income Tax (5%) | $3,500 |
| PFML (0.318%) | ~$223 |
| Estimated Take-Home Pay | ~$51,922 – $54,462 |
The table above explains the take-home pay will be between $51,922 and $54,462 after the taxes for $70,000 annual salary in Massachusetts before considering specific deductions like retirement savings as well as health insurance.
Additional Deductions to Consider
401(k) or IRA contributions: These contributions reduce the axable income and might impact in lowering federal tax liability.
Health, dental and vision insurance: Employer-sponsored plans might deduct pre-tax contributions which further affects the paycheck.
Other voluntary benefits: Life insurance, disability insurance and commuter benefits might also impact take-home earnings.
For a more precise estimate based on the specific personal tax situation, you may consider using an MA paycheck calculator or consulting a tax professional.
