Estimate your combined Massachusetts state (5.0%) and federal self-employment tax as a freelancer or 1099 contractor. Plan to set aside roughly 30-35% of net income.
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Get Matched with a CPA →Massachusetts has a flat income tax rate of 5.0% for most income. However, starting in 2023, the state added a 4% surtax on annual income exceeding $1 million (the 'Millionaire's Tax'), bringing the effective top rate to 9%. Most freelancers pay the standard 5% rate. MA has no local income taxes.
Massachusetts freelancers should factor in the 5.0% state income tax when planning their tax payments. This is in addition to the 15.3% federal self-employment tax and federal income tax based on your bracket.
All self-employed individuals in Massachusetts must make quarterly estimated tax payments to the IRS if they expect to owe $1,000 or more. Massachusetts may also require separate state estimated tax payments — check with a local CPA. Our calculator above gives you the exact quarterly amounts based on your income.
Based on the 5.0% state rate in Massachusetts, we recommend setting aside approximately 30-35% of your net self-employment income for taxes. This covers federal income tax, self-employment tax (15.3%), and Massachusetts state income tax.
The exact percentage varies based on your total income, filing status, and deductions. Use the calculator above for a personalized estimate, then set up automatic transfers to a dedicated tax savings account each time you receive a payment.
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