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Free Massachusetts Income Tax Calculator (2026)

October 23, 2026 · 3 min read · By the DollarWise team

Massachusetts taxes most income at a flat 5%, with an extra 4% surtax on taxable income above $1,107,750 (the 2026 inflation-adjusted threshold) and a $4,400 personal exemption for single filers. Enter your income, filing status, and dependents below for an instant 2026 estimate — everything is computed in your browser, and no data leaves your device.

Massachusetts Income Tax Calculator

2026 MA income tax estimate — flat 5% + 4% surtax, with exemptions, in seconds.

100% Free Forever No Sign-up No Credit Card Private — files never leave your browser Unlimited Use

1 Enter your income details

Wages, salaries, and other income taxed at the flat 5% rate.
Massachusetts personal exemption amounts for 2026.
$1,000 exemption per qualifying dependent.

2 Review 2026 MA rates

5% on taxable income — Massachusetts has one flat rate, no brackets.
$1,107,750 of taxable income (2026 inflation-adjusted) — 4% applies only to the amount above it.
$4,400 single · $8,800 joint · $6,800 head of household · plus $1,000/dependent.

3 Calculate your 2026 MA tax

💰 Your 2026 Massachusetts tax estimate

🎉 Free forever. No sign-up. No credit card. No limits.

This calculator runs entirely in your browser — run as many estimates as you like.

How it works

Enter your 2026 income, filing status, and number of dependents, then hit Calculate MA Tax. The math is: subtract your personal exemption ($4,400 single / $8,800 joint / $6,800 head of household, plus $1,000 per dependent) from income to get taxable income; apply the flat 5%; then apply 4% to any taxable income above $1,107,750.

Worked example (single, $120,000 income): taxable = $120,000 − $4,400 = $115,600 → base tax = $115,600 × 5% = $5,780, no surtax → total $5,780 (4.82% effective).

Surtax example (single, $1,300,000 income): taxable = $1,300,000 − $4,400 = $1,295,600 → base = $1,295,600 × 5% = $64,780 → surtax = ($1,295,600 − $1,107,750) × 4% = $187,850 × 4% = $7,514 → total $72,294.

Everyday uses

  • Salary negotiations — see your real take-home before accepting a Boston-area offer.
  • Freelancers — estimate quarterly estimated payments so April holds no surprises.
  • New residents — moving to Massachusetts? Compare the flat-rate bite against your old state’s tax.
  • High earners — check exactly how much of your income crosses the $1,107,750 surtax line.
  • Budgeting — plug your household income in yearly and build the real number into your budget.

Disclaimer: this is an estimate for planning, not tax advice. Massachusetts taxes some income classes differently (e.g. short-term capital gains), and this calculator uses the flat 5% + 4% surtax model for ordinary income. Consult a tax professional for your situation.