Calculate your take-home pay in The Pine Tree State. Maine income tax rate: 7.15%.
Maine has a three-bracket progressive income tax with rates from 5.8% to 7.15%. Maine conforms to the federal standard deduction. The state has relatively high rates but also provides various credits for low-income taxpayers.
| Item | Per Paycheck | Monthly | Annual |
|---|---|---|---|
| Gross Pay | - | - | - |
| Federal Income Tax | - | - | - |
| Maine State Tax | $0 | $0 | $0 |
| Social Security | - | - | - |
| Medicare | - | - | - |
| 401(k) + Pre-Tax | - | - | - |
| Take-Home Pay | - | - | - |
Maine has a progressive income tax with a top rate of 7.15%. This calculator estimates your take-home pay after federal income tax, state income tax, Social Security, Medicare, and any pre-tax deductions like 401(k) contributions. Enter your salary or hourly wage above to see a detailed breakdown of your paycheck.
Maine has three brackets: 5.8%, 6.75%, and 7.15%. The top rate applies to income above $58,050 for single filers. Maine offers a generous standard deduction ($14,600 single, $29,200 married) and indexes brackets for inflation. The state exempts Social Security benefits from taxation and offers a pension income deduction of up to $25,000 for residents 62 and older.
Regardless of state taxes, all Maine workers pay federal income tax using the 2026 brackets: 10% on the first $11,925 of taxable income (single), 12% up to $48,475, 22% up to $103,350, 24% up to $197,300, 32% up to $250,525, 35% up to $626,350, and 37% on income above that. The standard deduction is $15,000 for single filers and $30,000 for married filing jointly in 2026.
All workers in Maine pay Social Security tax at 6.2% on wages up to $176,100 (2026) and Medicare tax at 1.45% on all wages. An additional 0.9% Medicare surtax applies to wages over $200,000 for single filers. These federal payroll taxes apply uniformly regardless of which state you live in.
Pre-tax deductions reduce your taxable income for both federal and state purposes. Contributing to a 401(k) (up to $24,500 in 2026, plus $8,000 catch-up if 50+) lowers both your federal and ME state tax bill. Health Savings Account (HSA) contributions ($4,300 individual, $8,550 family in 2026) are also pre-tax. Review your W-4 withholding: if you receive a large refund each year, you may be overwithholding, which means less money in each paycheck. The Tax Bracket Calculator shows your federal marginal and effective rates.
Maine's progressive income tax tops out at 7.15% on income above $61,600 (single). The state has a higher cost of living than most of New England outside of Boston, driven by housing and energy costs. Remote workers moving to Maine for lifestyle reasons should factor in the relatively high tax rates compared to states like New Hampshire next door, which has no income tax.
New Hampshire is 20 minutes from Portland and charges zero income tax. That proximity creates real financial incentive for Maine workers who can relocate across the border. At $75,000, the difference is roughly $3,600/year in state income tax. Whether Maine's services and lifestyle justify that premium is a personal call.