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Free Maine Tax Calculator

Calculate your 2026 Maine take-home pay after progressive state tax (5.8%–7.15%), federal tax & FICA. No sign-up.

Last reviewed: January 2026 · Tax data verified against IRS Publication 15-T & state revenue departments

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How This Calculator Works

Maine keeps income tax compact: three brackets. 5.8% on your first $27,450 of taxable income (single), 6.75% up to $65,450, and 7.15% above that. The state standard deduction is $14,600 single / $29,200 married — deliberately set at 90% of the federal deduction, which is higher than most states' standalone deductions.

A $76,000 single salary: taxable income after the $14,600 deduction is $61,400. The first $27,450 costs 5.8% ($1,592), the next $38,000 costs 6.75% ($2,565), leaving roughly $4,157 total — a 5.5% effective rate. Portland adds no city income tax. Maine has no local income taxes anywhere in the state.

Maine graduates its retirement relief by income: Social Security is exempt for households under $85,000 AGI (phasing out above), and pension income gets a $10,000 exclusion per person for those under the income caps. The state also runs a unique "Pension Income Deduction" schedule — worth reviewing if you're retiring to Maine.

Property tax runs 1.09% average, right at the national norm, while combined sales tax is 5.5% — bottom-10 nationally. Maine's total burden is moderate; the 7.15% top bracket matters mainly for six-figure earners, and the state's generous standard deduction helps everyone.

Filing in Maine: the resident return is Form 1040ME, due to Maine Revenue Services by April 15. Maine offers free e-file, and the 90%-of-federal standard deduction is applied automatically.

How It's Calculated

Formula

Net Pay = Gross Income − (Federal Tax + Maine State Tax + FICA + Pre-tax Deductions)

Step-by-Step

  1. 1Run Maine's three brackets (5.8%, 6.75%, 7.15%) after the state standard deduction ($14,600 single)
  2. 2Subtract pre-tax deductions (401(k), HSA) from gross pay to get adjusted gross income
  3. 3Apply the federal standard deduction ($16,100 single / $32,200 married) for federal taxable income
  4. 4Calculate federal tax using the 2026 progressive brackets (10%–37%) per IRS Publication 15-T
  5. 5Calculate FICA: 6.2% Social Security (up to $184,500) + 1.45% Medicare (no cap)
  6. 6Subtract all taxes and pre-tax deductions from gross pay to get net take-home pay

Example

A single filer earning $76,000 has $61,400 of taxable income after the state deduction. The first $27,450 is taxed at 5.8% and the rest at 6.75% — about $4,157 in Maine tax.

For detailed data sources and full methodology, see our Methodology & Data Sources page.

Key Rates & Data for 2026

ME Tax Brackets

5.8% / 6.75% / 7.15%

ME Standard Deduction (Single)

$14,600

Pension Exclusion (per person)

$10,000

ME Avg Property Tax Rate

~1.09%

ME Avg Combined Sales Tax

5.5% (bottom-10)

Frequently Asked Questions

How does Maine set its standard deduction?

At exactly 90% of the federal standard deduction — $14,600 single / $29,200 married for 2026. That's deliberately higher than most standalone state deductions, which keeps Maine's effective rate lower than its 7.15% top rate suggests.

Does Maine tax Social Security?

Maine phases its Social Security exemption out above $85,000 of household AGI. Below that threshold, benefits are fully exempt; above it, partial taxation applies — more generous than Vermont's full taxation, less generous than Massachusetts's full exemption.

What pension exclusion does Maine offer?

Up to $10,000 per person of pension income is deductible for residents under the income caps. Maine also runs a separate Pension Income Deduction schedule worth reviewing if you're retiring to the state.

How low are Maine's sales taxes?

5.5% combined average — bottom-10 nationally. Maine is one of the few New England states that didn't adopt high sales-tax rates, which offsets its above-average income tax.

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