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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 on top of the state rate.

This calculator reflects the 2018 federal withholding tax changes.
Click here to learn more about how the Trump Tax Plan will affect you.

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Your estimated -- take home pay:
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Where is your money going?
Gross Paycheck $--
Taxes --% $--
Federal Income --% $--
State Income --% $--
Local Income --% $--
FICA --% $--
Social Security --% $--
Medicare --% $--
Pre-Tax Deductions --% $--
Post-Tax Deductions --% $--
Take Home Salary --% $--
  • 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.

    ...read more
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Maine Paycheck Quick Facts
  • Maine income tax rate: 5.8% - 7.15%
  • Median household income: $50,826 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 0

How Your Maine Paycheck Works

If you move to Maine from a state with no income tax, like Florida or Texas, you might be a little disappointed when you look at your first Maine paycheck. Maine has a progressive income tax system with three brackets and rates that range from 5.8% to 7.15%.

In Maine, as in every state, your earnings will be subject to withholding for FICA taxes. Those are the taxes that let you pay in to the Social Security and Medicare systems you’ll count on 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’ll 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, meaning you’ll give 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. The IRS released updated tax withholding guidelines in January and taxpayers should have seen changes to their paychecks, to reflect the new tax plan, starting in February 2018. For the time being, taxpayers do not need to fill out a new W-4. Employers will use the withholdings on your current form.

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). 401(k)s, HSAs and FSAs all allow you to have money taken out of your paycheck before taxes are applied.

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
2016$50,826
2015$49,331
2014$49,462
2013$46,974
2012$46,709
2011$46,033
2010$45,815
2009$45,734
2008$46,581

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 - $21,100 for single filers) is taxed at a rate of 5.8%. The second bracket (income between $21,100 and $50,000 for single filers) is taxed at a rate of 6.75%. The top bracket (income of $50,000+ for single filers) is taxed at a rate of 7.15%.

Your employer will withhold money to cover your Maine tax liability just like he or she 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. You must file to get a Maine refund.

Income Tax Brackets

Single Filers
Maine Taxable IncomeRate
Less than $21,1005.80%
over $21,100 but less than $50,0006.75%
$50,000+7.15%
Married, Filing Jointly
Maine Taxable IncomeRate
Less than $42,2505.80%
over $42,250 but less than $100,0006.75%
$100,000+7.15%
Married, Filing Separately
Maine Taxable IncomeRate
Less than $21,1005.80%
over $21,100 but less than $50,0006.75%
$50,000+7.15%
Head of Household
Maine Taxable IncomeRate
Less than $31,6505.80%
over $31,650 but less than $75,0006.75%
$75,000+7.15%

How You Can Affect Your Maine Paycheck

If you want a bigger Maine paycheck you can always negotiate your way to a raise, or seek 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 in a tax-advantaged way and you don’t mind getting smaller paychecks, you can contribute 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 HSA or FSA accounts to spend pre-tax dollars on 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

YearRate
20177.15%
20167.15%
20157.95%
20147.95%
20137.95%
20128.50%
20118.50%
20106.85%
20098.50%
20088.50%
20078.50%
20068.50%
20058.50%
20048.50%
20038.50%

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.

Worse
Better
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 2016 5-Year American Community Survey, MIT Living Wage Study, Bureau of Labor Statistics