Maine Paycheck Calculator | Estimate Your Take-Home Pay

Why a Maine Paycheck Calculator Matters

When you land a job in Maine, the first thing you’ll hear is your hourly rate or salary. But as most of us quickly learn, your gross pay isn’t what shows up in your bank account. Taxes, insurance, and other deductions reduce that amount, sometimes by more than you expect.

That’s where the Maine Paycheck Calculator comes in handy. It helps you get a realistic idea of your net pay—what you actually take home after:

• Federal income tax

• Maine state income tax

• Social Security and Medicare

• Pre-tax contributions (like 401(k), HSA/FSA, and health insurance)

• Post-tax deductions (like union dues and local/city taxes)

Whether you’re comparing job offers or just planning a monthly budget, this calculator simplifies the math.

📊 Example Walkthrough – Maine Paycheck Calculator

Let’s run through a realistic example with numbers taken from the calculator’s inputs:

• Pay Type: Hourly

• Hourly Rate: $25

• Hours per Week: 40

• Pay Frequency: Weekly (52/year)

• Filing Status: Single

• Dependents: 0

• 401(k) Contribution: 5%

• HSA/FSA Contribution: $50 per week

• Health Insurance Premium: $160 per week

• Union Dues: $20 per week

• Local/City Tax: $10 per week

• Extra Federal/State Withholding: None

🧮 Step 1: Gross Pay

Hourly rate × hours worked = gross weekly pay

• $25 × 40 hours = $1,000 gross weekly pay

💸 Step 2: Subtract Pre-Tax Deductions

Pre-tax deductions reduce your taxable income before federal/state taxes are applied.

• 401(k) Contribution (5%) = $50

• HSA/FSA = $50

• Health Insurance = $160

👉 Total Pre-Tax Deductions = $260

Taxable Income = $1,000 – $260 = $740

🏛️ Step 3: Apply Taxes

From the $740 taxable income, here’s what gets taken out:

• Federal Income Tax (Single, no dependents, 2025 rates) ≈ $74 (10%)

• Social Security (6.2%) = $46.00

• Medicare (1.45%) = $10.73

• Maine State Income Tax (progressive, ~5.8%) = $42.92

👉 Total Taxes ≈ $174

🪙 Step 4: Subtract Post-Tax Deductions

Now we subtract the deductions taken after taxes:

• Union Dues: $20

• Local/City Tax: $10

👉 Post-Tax Deductions = $30

✅ Final Net Pay

Now, let’s put it all together:

• Gross Weekly Pay: $1,000

• Pre-Tax Deductions: –$260

• Taxes: –$174

• Post-Tax Deductions: –$30

👉 Estimated Take-Home Pay = $536 per week

📅 Weekly, Monthly, and Yearly Breakdown

📌 Maine Paycheck Calculator | What Makes It Unique?

The state of Maine is slightly different to the other states as:

1. It is progressive with a state income tax ranging between 5.8-7.15 basing on your income bracket.
2. It might be a local tax in certain cities and towns, and that is not common throughout the U.S.
3. The taxable income can be greatly reduced by pre-taxed contributions (401k, HSA/FSA, health insurance).

This is why paycheck calculator will be particularly busy in the state of Maine where local/city taxes may vary.

🔍 What Affects Your Maine Paycheck?

1. Pay Frequency – Choosing weekly vs. biweekly vs. monthly changes the withholding pattern.

2. Filing Status – Single vs. married affects both federal and state tax rates.

3. Dependents – Claiming dependents lowers your taxable income.

4. 401(k) and Benefits – Retirement and health premiums lower taxable income.

5. HSA/FSA Contributions – These are pre-tax and reduce what’s subject to withholding.

6. Union Dues & Local Taxes – Special post-tax deductions that directly reduce take-home pay.

7. Extra Withholding – Optional, if you want to set aside more for tax time.

🧾 Quick Look: Maine Payroll Taxes in 2025

This is what is usually deducted out of a Maine paycheck:

• Progressive Federal Income Tax (10%-37%).
• Maine State Income Tax- Progressive (5.8%-7.15%).
• Social security – 6.2 percent (maximum wage base 168,600).
• Medicare – 1.45% (or 1.45 plus 0.9% on incomes more than 200k).
• Local/City Taxes – It is applicable in some places.

🏆 Final Thoughts

If you’re making $25/hour for 40 hours a week in Maine, your take-home pay will be about $536 per week or $27,852 per year after taxes and deductions.

The Maine Paycheck Calculator is a must-use tool for anyone working in the state—it shows exactly how benefits, union dues, and local taxes impact your paycheck.

💡  Bonus tip: The only thing you need to do is recalculate every time your job, your benefits, or your tax position changes. Even minor changes such as adding 1 percent to your 401(k) can make a difference both to your taxes and also to the amount you will be bringing home at the end of the day.

Check out more:  Virginia Paycheck Calculator – Estimate Your 2025 Take-Home Pay Easily