What Percentage Is Taken Out of My Paycheck in Massachusetts?
When someone receives a paycheck in Massachusetts, a certain portion is deducted in terms of various taxes and contributions. It is worth mentioning that the total percentage varies on different parameters. Even so, we present a breakdown below for the Massachusetts paycheck tax that is withheld from the paycheck:
Federal Tax Deductions
1. Federal Income Tax
The federal tax percentage ranges from 10% to 37% for 2025 in consistent with the tax bracket.
This percentage varies in line with the income generated and filing status as well as W-4 selections.
2. FICA Taxes (Social Security & Medicare)
Social Security Tax: 6.2% (on earnings received up to $176,100 for 2025).
Medicare Tax: 1.45% (applies to all wages).
Additional Medicare Tax: 0.9% (it is applied to income over $200,000 for single filers and $250,000 for married couples filing jointly).
MA state tax withholding
1. MA income tax rate
A flat 5% is withheld from taxable wages. including salaries, commissions, and bonuses.
2. Massachusetts Paid Family and Medical Leave (PFML)
0.318% deduction is applied for most employees.
PMFL covers paid leave for medical and family-related reasons.
Other Possible Deductions
1. Retirement Contributions
Contributions to 401(k) plans and IRAs as well as pensions may reduce taxable income.
2. Health & Other Benefits
Employer-sponsored health, dental and vision insurance might be deducted pre-tax.
Other voluntary benefits like life insurance or disability coverage might also apply.
Example: How Much Is Deducted from a $2,000 Paycheck?
| Deduction Type | Percentage | Amount Deducted |
|---|---|---|
| Federal Income Tax | ~12%* | ~$240 |
| Social Security | 6.2% | $124 |
| Medicare | 1.45% | $29 |
| MA Income Tax | 5% | $100 |
| PFML | 0.318% | ~$6 |
| Estimated Take-Home Pay | - | $1,501 |
The percentage can be visualized as in the above table. However, MA paycheck calculator tools like the IRS Withholding Calculator can be very useful for more precision.
Key Takeaways
MA state tax withholding is applied as 5% to most earnings.
Federal income tax depends between 10% and 37%.
Social Security (6.2%) and Medicare (1.45%) are deducted from all wages.
PFML deductions (0.318%) assist fund paid leave benefits.
Pre-tax deductions like 401(k) contributions and health insurance have a lowering impact on the taxable income.
Need Help Understanding Your Paycheck Deductions?
If you are unsure about the taxes withheld from the paycheck in MA, our team of professionals at Dimov Associates is ready to optimize the withholdings and maximize your take-home pay. Contact us today!
