Maine Take-Home Pay Calculator 2026
Quick Answer: In 2026, Maine has a progressive income tax from 5.80% to 7.15%. On a gross annual salary of $75,000, a single W-2 filer takes home approximately $57,347, while married joint filers take home about $61,208. Use the paycheck calculator below to estimate your exact net earnings.
What is the state tax in Maine?
Maine levies a progressive income tax from 5.80% to 7.15% on W-2 wages. Standard deduction shields a portion from tax.
What do you keep on a $75,000 salary?
Single W-2 filers retain about 76.5% of their gross paycheck, leaving $57,347 net.
How does FICA payroll tax apply?
A flat 6.2% is deducted for Social Security (up to $184,500) and 1.45% is deducted for Medicare.
Are OBBBA tax shelters applicable?
Yes. The federal overtime tax deduction helps W-2 earners shield their half-time overtime premiums from income tax.
How Does Maine Tax Your Paycheck in 2026?
Your net take-home pay depends on federal income tax brackets, FICA payroll taxes, and state income tax codes. Maine has a progressive income tax from 5.80% to 7.15% on personal wages. Standard deductions for 2026 are set at $8 350 for single W-2 filers and $16 700 for married joint filers, which reduce taxable income before tax brackets apply.
Federally, tax brackets are progressive, ranging from 10% to 37% (Rev. Proc. 2025-32). FICA taxes are also flat, with 6.2% Social Security (up to $184,500) and 1.45% Medicare.
What Are the Maine Progressive Tax Brackets?
| Bracket Rate | Single Taxable Range |
|---|---|
| 5.80% | $0 to $27,399 |
| 6.75% | $27,399 to $64,849 |
| 7.15% | Over $64,849 |
What Do You Keep: Paycheck Breakdown in Maine?
The table below outlines how much you keep at different gross annual salaries. These calculations assume a single W-2 filer with a standard deduction and no pre-tax retirement or health insurance contributions:
| Gross Salary | Federal Tax | State Tax | FICA | Take-Home Pay | Effective Rate |
|---|---|---|---|---|---|
| $50,000 | $3,820 | $2,551 | $3,825 | $39,804 | 20.4% |
| $75,000 | $7,670 | $4,246 | $5,738 | $57,347 | 23.5% |
| $100,000 | $13,170 | $6,033 | $7,650 | $73,147 | 26.9% |
| $150,000 | $24,734 | $9,608 | $11,475 | $104,183 | 30.5% |
- Federal tax$13,17013%
- Maine tax$6,0336%
- FICA$7,6508%
- Take-home$73,14773%
- Gross$100,000
What Maine-specific taxes and deductions affect your paycheck?
Maine levies a progressive state income tax with 2026 rates of 5.80%, 6.75%, and 7.15%, applied across three brackets. There is no local or city income tax anywhere in Maine, so your state withholding is the same whether you work in Portland, Bangor, or Lewiston. Employers withhold state tax using Form W-4ME, the Maine withholding allowance certificate, and annual filing is done on Form 1040ME.
Payroll items unique to Maine in 2026
- Maine Paid Family and Medical Leave (PFML): Payroll contributions began January 1, 2025, and benefits start May 1, 2026. Your employer may deduct up to roughly half of one percent of wages from your paycheck, so this can be a real line item on your pay stub. Confirm your exact split, as the employee portion depends on employer size.
- State unemployment (SUI/SUTA): This is employer-only in Maine, assessed on the first $12,000 of each worker's wages. It is not withheld from employees, so it does not reduce your take-home pay.
- Minimum wage: Maine's 2026 minimum wage is $15.10 per hour, indexed annually to inflation.
For context, Maine's median household income is about $74,733. Federal income tax, Social Security, and Medicare (FICA) still apply on top of Maine's state tax. Always verify current figures against Maine Revenue Services and the Maine Department of Labor before relying on them.
How Do You Calculate Your Maine Paycheck Step-by-Step?
Want to calculate your paycheck manually? Follow this ordered step-by-step list:
- Determine your gross annual wages (or wages per pay period).
- Subtract pre-tax deductions like traditional 401(k) contributions (up to $23,500) and health premiums.
- Subtract your federal standard deduction ($16,100 for single filers, $32,200 for married joint filers) to find your federal taxable income.
- Apply progressive 2026 federal income tax brackets to calculate your federal tax.
- Subtract your state standard deduction (if any) to find state taxable income, and apply the flat rate or progressive brackets of Maine.
- Compute FICA payroll taxes: 6.2% for Social Security on wages up to $184,500, and 1.45% for Medicare.
- Subtract all calculated taxes and FICA from your gross pay to find your net take-home salary.
How Does the 2026 Federal Deduction Affect Overtime in Maine?
Under the federal OBBBA overtime tax deduction (valid for tax years 2025 through 2028), the 0.5x premium portion of your time-and-a-half overtime rate is exempt from federal income tax. This deduction is capped at $12,500 for single W-2 filers and $25,000 for married couples filing jointly. You still owe FICA and state income taxes on this premium portion. To calculate your overtime premium tax savings, visit our dedicated No Tax on Overtime Calculator.
How Does Maine Compare to Neighboring States?
Comparing income taxes across neighboring states helps evaluate job offers and geographical cost advantages: