How do I convert an hourly wage to an annual salary?

Multiply your hourly rate by the hours you work per week, then by the number of weeks you work per year. For full-time work that is usually 40 hours × 52 weeks = 2,080 hours, so $25/hour equals a $52,000 gross annual salary.

Does Maryland have a local income tax?

Yes. Every Maryland county and Baltimore City levy a local 'piggyback' income tax on top of the state tax, generally between about 2.25% and 3.20% of taxable income. This calculator lets you enter your county rate so it is included in take-home pay.

What is the Maryland state income tax rate?

Maryland uses graduated brackets from 2% up to 5.75% on higher incomes. Combined with local piggyback taxes, the marginal rate for many workers lands between roughly 7% and 9% of taxable income.

What does FICA take out of my pay?

FICA is Social Security at 6.2% on wages up to the annual cap plus Medicare at 1.45% on all wages, for 7.65% total. High earners pay an extra 0.9% Medicare surtax above $200,000. This is separate from federal and Maryland income tax.

Is this calculator exact for my paycheck?

It is an estimate. Real withholding depends on your W-4 elections, pre-tax deductions like 401(k) and health insurance, and the exact Maryland and county tables. Use it to size your take-home pay, not as a substitute for a pay stub.

Maryland Hourly to Salary Calculator

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This calculator turns an hourly wage into a yearly salary and then estimates how much you actually keep in Maryland after federal tax, FICA, Maryland state tax, and your county’s local income tax.

How it works

Gross annual pay is simply your rate times hours worked:

gross = hourlyRate × hoursPerWeek × weeksPerYear

From gross we subtract four layers. FICA is 7.65% (6.2% Social Security up to the wage cap, plus 1.45% Medicare on all wages). Federal income tax is estimated with the standard deduction and 2024 brackets. Maryland state tax uses graduated brackets up to 5.75%, and the county local tax (“piggyback”) applies a flat county rate to your Maryland taxable income:

net = gross − FICA − federal − marylandState − marylandLocal

Net pay is then divided into monthly (÷12) and bi-weekly (÷26) amounts.

Example

At $30/hour for 40 hours over 52 weeks, gross is $62,400. FICA takes about $4,774, federal tax roughly $5,400 after the standard deduction, Maryland state tax around $2,700, and a 3.0% county tax about $1,560. Net is roughly $47,966 a year, near $1,845 every two weeks.

Notes

Maryland is one of the few states where local income tax materially affects take -home pay, so the county rate matters. This estimate ignores pre-tax benefits like 401(k) and health premiums, which lower taxable income and change the result. Confirm your county rate with the Comptroller of Maryland.