Disclaimer: This calculator gives you an estimate based on tax rates and details found online. These rates may change over time. For the most accurate and up-to-date information, please check the official IRS website and your state’s tax website. Always talk to a tax expert for advice about your personal tax situation.
How We Calculate the Result
The calculator estimates your Massachusetts state income tax by first taking your total household income. It subtracts any contributions to 401(k) plans, IRAs, itemized deductions (if higher than standard), and personal exemptions. After calculating your taxable income, we apply the Massachusetts income tax rate. The state uses a flat income tax rate of 5% on most income types. However, a 9% rate applies to certain income over $1 million (such as short-term capital gains or gains from investments).
Finally, we check if your income meets federal filing thresholds based on your age and filing status, so you know if you’re also required to file a federal tax return.
About Massachusetts Income Tax
Massachusetts uses a flat state income tax system, meaning most people pay the same percentage of their income in taxes regardless of how much they earn. As of 2025, the standard income tax rate is 5%. However, if your income from certain sources (like capital gains or bonuses) exceeds $1 million, the portion above that is taxed at 9%.
Residents can reduce their taxable income by contributing to retirement accounts like 401(k) or IRA, and by claiming personal exemptions or itemized deductions if they are higher than the standard deduction. Massachusetts also follows federal guidelines for filing requirements, which means not everyone with income needs to file a return—only those above specific thresholds based on age and filing status.
Frequently Asked Questions
What is the income tax rate in Massachusetts?
Massachusetts uses a flat income tax rate of 5% for most types of income. However, if your annual income from certain sources exceeds $1 million, the amount above that is taxed at 9%. This applies to individuals regardless of their filing status.
When do singles start paying Massachusetts tax?
Single filers under age 65 must file a Massachusetts tax return if their income is $14,600 or more. If you’re 65 or older, the threshold is $16,550. Even if you’re under the threshold, you might want to file to claim certain credits or refunds.
When do married filers start paying Massachusetts tax?
Married couples filing jointly must file a Massachusetts return if their income is $29,200 or more if both spouses are under age 65. If one spouse is 65+, the threshold is $30,750. If both are 65+, the threshold is $32,300. These follow federal filing limits.
Is there a standard deduction in Massachusetts?
Massachusetts doesn’t follow federal standard deduction rules. Instead, it allows personal exemptions and specific deductions. The calculator automatically picks the most beneficial option—either your entered itemized deductions or the typical state exemptions and deductions.