Massachusetts Income Tax Calculator
The Most Comprehensive and Accurate Massachusetts Income Tax Calculator Available Online
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State Taxes Due
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| Gross Income | 0 |
| State Deductions | 0 |
| Exemptions | 0 |
| Taxable Income | 0 |
| Gross State Tax | 0 |
| Less State Credits | 0 |
| Final State Tax | 0 |
Marginal Rate
0%
Effective Rate
0%
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Massachusetts Income Tax Calculator & Guide
Introduction to Massachusetts State Taxes
Massachusetts offers a unique blend of progressive and flat tax elements, with recent tax reforms creating new opportunities for savings. As of 2025, Massachusetts has a flat income tax rate of 5% for most types of income. Starting in 2023, Massachusetts implemented an additional 4% surtax on income over $1 million—known as the “Millionaires Tax.” That remains in effect in 2025. If you fall into that income bracket, your income over $1 million is taxed at a combined rate of 9% (5% base + 4% surtax).
Also, several deductions and credits, including those for renters, seniors, and dependents, have been updated for inflation. Our estimator accounts for the latest numbers to give you accurate results.
To calculate your federal income tax head over to our federal income tax calculator here.
Massachusetts Income Tax Rates (2025)
- First $50,000: 5.0%
- Over $50,000: 9.0% (on investment income only)
- Regular earned income: Flat 5.0% (regardless of amount)
Note: The “Millionaire’s Tax” adds a 4% surcharge on income over $1 million (total 9% rate).
Key Features of Massachusetts Taxes
Simplified flat rate – 5% for most wage earners
No tax on Social Security – Retirement-friendly policy
Recent tax cuts – New deductions and credits took effect in 2023
Low property taxes – Average effective rate of just 1.12%
Massachusetts Deductions & Credits
1. Standard Deduction
- Single: $4,400
- Married Filing Jointly: $8,800
- Head of Household: $6,200
2. Retirement Benefits
- Social Security: 100% exempt
- Pensions: Up to $6,800 exempt for seniors
3. Child & Family Credits
- Dependent Care Credit: Up to $360 per child
- Earned Income Credit: 40% of federal EITC
4. Unique Massachusetts Benefits
- Lead Paint Removal Credit: Up to $1,500
- Student Loan Deduction: Up to $2,500
- Septic System Credit: 40% of costs (max $6,000)
Why Use a Massachusetts Tax Estimator?
Navigate the new tax reforms – Recent changes affect nearly all filers
Plan for local taxes – Some towns add property tax surcharges
Maximize coastal living benefits – Special credits for energy-efficient homes
Step-by-Step Guide to Estimating Your MA Taxes
- Start with earned income – All taxed at 5%
- Add investment income – First $50,000 at 5%, remainder at 9%
- Subtract MA-specific deductions – Student loans, dependents, etc.
- Apply credits – Family, energy, and historic preservation
- Check for surtaxes – If income exceeds $1 million
Massachusetts vs. Other States
| State | Income Tax | Retirement Tax | Property Tax | Sales Tax |
|---|---|---|---|---|
| Massachusetts | 5% flat (+9% investments) | Social Security exempt | Low (1.12%) | 6.25% |
| New Hampshire | No wage tax (5% investments) | No retirement tax | High | None |
| Connecticut | 3–6.99% | Partial exemption | High | 6.35% |
| Rhode Island | 3.75–5.99% | Social Security exempt | High | 7% |
Key Advantage: Massachusetts combines urban opportunities with suburban tax benefits.
When to Consult a Massachusetts Tax Professional
- You have investment income over $50,000
- You qualify for historic property credits
- You’re affected by the Millionaire’s Tax
- You own coastal property with unique tax considerations
Quick Facts: Common Questions Answered
Q: Is Massachusetts tax-friendly for retirees?
A: Yes! No Social Security tax and generous pension exemptions make it attractive.
Q: What’s the “Millionaire’s Tax”?
A: A 4% surcharge on income over $1 million (9% total rate) funding education and infrastructure.
Q: Are there local income taxes in MA?
A: No, but some towns add 0.75–3% property tax surcharges.
Q: How do MA taxes compare to New Hampshire?
A: NH has no wage tax but higher property taxes. MA offers more services for its taxes.
Still have questions? Schedule a free 5-minute call with a CPA here.
Customer Support and Assistance
Schedule a free live 5 minute CPA call here. Questions are the stepping stones to answers, and we’re here to guide you across the river of tax confusion. Whether it’s a tiny trickle of doubt or a surging river of perplexity, our customer support team is on standby, ready to provide the answers you need. Reach out via chat, email, or phone – we’re committed to making sure your experience is as smooth and stress-free as possible. So, go ahead and ask away!
Frequently Asked Questions
Our Tax Income Estimator is designed with accuracy at its core, using the Internets most detailed inputs and rules to give you a reliable forecast. Remember, the precision of your results hinges on the completeness and correctness of the information you supply. So if you input accurate data, trust that you’re getting an equally accurate tax estimate.
Absolutely! Our Tax Income Estimator is more than equipped to handle state. By incorporating your specific location into the calculation, it ensures that every estimate reflects the taxes you might owe right down to your city block. Just enter the required information, and let the estimator take care of the rest.
If you’re feeling lost in the sea of tax numbers, help is just a click or call away. Reach out to our customer support for guidance, or consider setting up an appointment with a financial advisor. They can provide detailed explanations and help you navigate any confusing parts of the tax estimation process. You don’t have to tackle it alone – schedule a free call here!
Yes, your financial information is safe. Our Income Estimator doesn’t ask for sensitive details like your name or social security number and doesn’t save the data you enter. It’s designed for your security and peace of mind, so you can use it without any worries about privacy risks. Always be sure to use the tool on secure devices and networks.
If your estimated taxes seem off-kilter, it’s best to review your inputs for accuracy. Double-check your income details, deductions, and credits. If everything checks out, consider consulting with a tax professional. They can offer personalized advice and help ensure that you’re paying the right amount. Remember, it’s all about finding the sweet spot!
