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Maryland Form MW507 Withholding Estimator
Estimate your payroll tax allowances, check your withholding status, and calculate how allowances reduce state and county taxes on your paycheck.
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MW507 Withholding Estimator
Maryland · 2026 tax year · W-4 allowances
$
- Weekly (52x/year)
- Bi-Weekly (26x/year) (Mostly selected)
- Semi-Monthly (24x/year)
- Monthly (12x/year)
Updates as you type
How it works
Follow the exact steps to get your result instantly and privately.
STEP 1
Input filing and residency status
Select whether you are filing as Single or Married, and choose your county of residence. County of residence sets the local piggyback tax rate.
How Maryland MW507 Withholding Is Estimated
Unlike federal withholding (which has moved away from allowances), Maryland still uses a traditional allowance-based withholding certificate. Each allowance you claim on Form MW507 acts as a personal exemption, reducing your annual taxable wages by $3,200 (for 2026). This translates directly into tax savings per paycheck, calculated by multiplying the exemption value ($3,200) by your combined Maryland state and county tax rate, and dividing by your annual pay periods.
Tax Breakdown Layers
Calculation Model
v2026.1
Annual Taxable Income Reduction = Allowances × $3,200
Annual Tax Savings = Reduction × (State Rate + County Rate)
Paycheck Savings = Annual Tax Savings ÷ Pay PeriodsLive Example
Verified
Example: Single filer, Montgomery County (3.30% local rate + 4.75% progressive state rate = 8.05% total rate), bi-weekly pay (26 periods). Claiming 2 allowances reduces taxable annual income by $6,400. Annual tax savings = $6,400 × 8.05% ≈ $515. Paycheck savings = $515 ÷ 26 ≈ $19.81 more take-home pay per paycheck.
Worked examples
Single filer claiming 1 allowance (Montgomery County)
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1 allowance = $3,200 tax exclusion at 8.05% total rate
ResultAnnual savings: $257.60 | Bi-weekly paycheck increase: $9.91
Married couple claiming 3 allowances (Howard County)
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3 allowances = $9,600 tax exclusion at 7.95% total rate
ResultAnnual savings: $763.20 | Bi-weekly paycheck increase: $29.35
Non-resident commuter from Virginia claiming exemption
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Exempt status under DMV Reciprocity rules
ResultMaryland withholding: 0% (Tax withheld for Virginia instead)
DID YOU KNOW?
| Quick facts
Each allowance claimed on Form MW507 reduces your annual taxable income base by $3,200.
If you do not submit Form MW507, your employer will default to 0 allowances and the maximum county tax rate of 3.30%.
Residents of Virginia, Washington D.C., West Virginia, and Pennsylvania who commute to Maryland are exempt from Maryland state tax withholding under reciprocity.
You can submit a new Form MW507 to your payroll department at any point during the year to update your allowances.
From the blog
View all →Maryland Paycheck: How Much Is Taken Out? (2026)
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Maryland Income Tax 2026: The Complete Take-Home Guide
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Frequently asked questions
Form MW507 is the Employee's Maryland Withholding Exemption Certificate. You complete it when starting a new job to determine how much state and local county tax is withheld from your paycheck.
Claiming 0 allowances results in the maximum amount of tax being withheld. This will make your paycheck smaller but reduces the risk of owing taxes when you file your returns.
Yes. You can claim an exemption if you meet the low-income threshold, if you are a non-resident of Maryland qualifying under reciprocity (VA, DC, WV, PA), or if you are a military spouse.
Before you write a number on Line 1
Maryland’s form calls the figure on Line 1 your total number of exemptions; payroll departments and this calculator call the same figure allowances. Either way it is a count, not a dollar amount, and it cannot exceed line f of the Personal Exemptions Worksheet on page 2 of the form. The MW507 exemptions worksheet works through that page and returns the number, so you can bring a figure here instead of guessing at one.
The rest of the form decides whether Line 1 even applies — the filing-status checkboxes above it, the extra-withholding dollar amount on Line 2, and Lines 3 through 8, which remove Maryland withholding entirely for people with no tax liability, commuters domiciled in DC, Virginia, West Virginia or Pennsylvania, and military spouses. How to fill out Form MW507 walks each line in order, including the slip that costs the most: leaving Line 1 blank, which payroll reads as zero exemptions and the largest deduction the form allows.
More Maryland pay & tax calculators
- Maryland Salary CalculatorAnnual salary → take-home pay after state, county, federal, and FICA taxes.
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- Bonus Tax CalculatorSee how much of your bonus you actually keep at your real marginal rate.