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Maine Paycheck Calculator

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Use SmartAsset's paycheck calculator to calculate your take home pay per paycheck for both salary and hourly jobs after taking into account federal, state, and local taxes.

Overview of Maine Taxes

Maine has a progressive income tax system with rates that range from 5.8% to 7.15%. The state has a high standard deduction that helps low- and middle-income Mainers at tax time. No Maine cities charge a local income tax.

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  • Our Tax Expert

    Jennifer Mansfield, CPA Tax

    Jennifer Mansfield, CPA, JD/LLM-Tax, is a Certified Public Accountant with more than 30 years of experience providing tax advice. SmartAsset’s tax expert has a degree in Accounting and Business/Management from the University of Wyoming, as well as both a Masters in Tax Laws and a Juris Doctorate from Georgetown University Law Center. Jennifer has mostly worked in public accounting firms, including Ernst & Young and Deloitte. She is passionate about helping provide people and businesses with valuable accounting and tax advice to allow them to prosper financially. Jennifer lives in Arizona and was recently named to the Greater Tucson Leadership Program.

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Maine Paycheck Quick Facts
  • Maine income tax rate: 5.8% - 7.15%
  • Median household income: $53,024 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 0

How Your Maine Paycheck Works

In Maine, as in every state, your earnings are subject to withholding for FICA taxes. Those are the taxes that let you pay in to the Social Security and Medicare systems so that you can take those benefits when you’re a senior. Every pay period your employer will withhold 6.2% of your earnings for Social Security taxes and 1.45% of your earnings for Medicare taxes. Your employer will also match that withholding, so if you’re self-employed you need to withhold twice as much from each of your paychecks. Earnings you make in excess of $200,000 are subject to a Medicare surtax of 0.9%, not matched by your employer.

Then there’s the withholding for federal income taxes. The amount your employer withholds for federal income taxes will depend on your income, your marital status and how many allowances you claim on your W-4 form. If you’re married and filing jointly, you and your spouse should fill out W-4 forms together and work out how many allowances to claim between you. If you claim too many allowances, you’ll get bigger paychecks but owe more at tax time. If you claim too few allowances, your paychecks will be smaller and your refund will be bigger. Overpaying throughout the year (and getting a refund come tax time) is like giving the IRS a loan for the tax year.

Withholding calculations changed for the 2018 tax year because of the tax plan that President Trump signed into law in December 2017. If you didn’t check your allowances in early 2018, consider checking your W-4 just to ensure the information is still correct.

You might see other deductions taken out of each of your paychecks if you contribute toward the cost of health insurance, life insurance and/or disability insurance premiums through a company insurance plan. And if you enroll in an employer-sponsored retirement plan like a 401(k) you’ll see those contributions reflected on your pay stubs, too. The same goes for contributions to a health savings account (HSA) and a flexible spending account (FSA).

One important thing to note is that contributions you make to 401(k) plans, HSAs and FSAs all come out of your pay before taxes are removed. This lowers your taxable income and means you will owe less in taxes.

Another factor that influences your paycheck size is your pay frequency. If you get paid more often, each of your paychecks will be smaller. If you get paid monthly, you’ll get a bigger check but you’ll have to make sure you budget in a way that means you won’t run out of money before the next month’s paycheck arrives.

Maine Median Household Income

YearMedian Household Income

The Maine-specific part of your pay stub comes in the form of the Maine state income tax. You’ll fill out a W-4ME form to let your employer know how to withhold money to cover these taxes. The first bracket (income of $0 - $21,450 for single filers) is taxed at a rate of 5.8%. The second bracket (income between $21,450 and $50,750 for single filers) is taxed at a rate of 6.75%. The top bracket (income of $50,750 or more for single filers) is taxed at the state’s top rate of 7.15%.

Your employer withholds money to cover your Maine tax liability just like it withholds money to cover your federal income taxes. No Maine cities have local income taxes, so there won’t be any city-level tax withholding. At tax time, you’ll file Form 1040ME to pay your Maine taxes.

Income Tax Brackets

Single Filers
Maine Taxable IncomeRate
Less than $21,4505.80%
over $21,450 but less than $50,7506.75%
Married, Filing Jointly
Maine Taxable IncomeRate
Less than $42,9005.80%
over $42,900 but less than $101,5506.75%
Married, Filing Separately
Maine Taxable IncomeRate
Less than $21,4505.80%
over $21,450 but less than $50,7506.75%
Head of Household
Maine Taxable IncomeRate
Less than $32,1505.80%
over $32,150 but less than $76,1506.75%

How You Can Affect Your Maine Paycheck

If you want a bigger paycheck, one straightforward way is to increase how much you’re earning. That could mean trying to negotiate a raise, or seeking supplemental wages in the form of bonuses, commissions and overtime. If those supplemental wages are paid along with your regular salary, they’re taxed at the normal Maine income tax rate. If they’re disbursed separately, your employer can withhold Maine income taxes at a flat rate of 5%.

If you want to save more money for retirement, consider contributing more to your company’s 401(k). That money won’t be taxed when it’s taken out of your earnings, and it will grow tax-free until you withdraw it. You can also put more in health savings accounts (HSAs) or flexible spending accounts (FSAs) to save pre-tax dollars for medical expenses. Note that itemized deductions are capped in Maine, so if you’re a high earner it may be to your advantage to max out your 401(k), IRA and other tax-advantaged accounts throughout the year rather than relying on itemized deductions to slash your tax bill in the spring.

Not a Maine taxpayer yet, but thinking about purchasing a home in the Pine Tree State? Our Maine mortgage guide is a great place to start learning about rates and the details of getting a mortgage in the state.

Maine Top Income Tax Rate


Most Paycheck Friendly Places

SmartAsset's interactive map highlights the most paycheck friendly counties across the country. Zoom between states and the national map to see data points for each region, or look specifically at one of the four factors driving our analysis: Semi-Monthly Paycheck, Purchasing Power, Unemployment Rate, and Income Growth.

Rank County Semi-Monthly Paycheck Purchasing Power Unemployment Rate Income Growth

Methodology Our study aims to find the most paycheck friendly places in the country. These are places in the country with favorable economic conditions where you get to keep more of the money you make. To find these places we considered four different factors: semi-monthly paycheck, purchasing power, unemployment rate and income growth.

First, we calculated the semi-monthly paycheck for a single individual with two personal allowances. We applied relevant deductions and exemptions before calculating income tax withholding. To better compare withholding across counties we assumed a $50,000 annual income. We then indexed the paycheck amount for each county to reflect the counties with the lowest withholding burden.

We then created a purchasing power index for each county. This reflects the counties with the highest ratio of household income to cost of living. We also created an unemployment rate index that shows the counties with the lowest unemployment. For income growth, we calculated the annual growth in median income over five years for each county and indexed the results.

Finally, we calculated the weighted average of the indices to yield an overall paycheck friendliness score. We used a one half weighting for semi-monthly paycheck and a one-sixth weighting for purchasing power, unemployment rate and income growth. We indexed the final number so higher values reflect the most paycheck friendly places.

Sources: SmartAsset, government websites, US Census Bureau 2017 5-Year American Community Survey, MIT Living Wage Study, Bureau of Labor Statistics