Last updated: 2025 BLS data · Page refreshed:
How much does a Clinical and Counseling Psychologists actually take home in Massachusetts?
5.0% flat rate — 27.6% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Clinical and Counseling Psychologists earning $115,180 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $115,180 | — |
| Federal Income Tax | -$17,181 | 14.9% |
| Massachusetts State Income Tax | -$5,759 | 5.0% |
| Social Security (OASDI) | -$7,141 | 6.2% |
| Medicare | -$1,670 | 1.4% |
| Total Taxes | -$31,751 | 27.6% |
| Take-Home Pay | $83,428 | 72.4% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Clinical and Counseling Psychologists in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $60,250 | -$12,867 | $47,382 | 21.4% |
| 25th Percentile (P25) | $84,610 | -$21,158 | $63,451 | 25.0% |
| Median (P50) | $115,180 | -$31,751 | $83,428 | 27.6% |
| 75th Percentile (P75) | $159,570 | -$48,020 | $111,549 | 30.1% |
| 90th Percentile (P90) | $216,570 | -$66,888 | $149,682 | 30.9% |
After federal income tax ($17,181), state tax ($5,759), and FICA ($8,811), a Clinical and Counseling Psychologists in Massachusetts takes home $83,428 per year — or $6,952 per month. The effective tax rate of 27.6% is moderate compared to the national range.
A Clinical and Counseling Psychologists in Massachusetts loses 27.6% of gross pay to taxes — higher than the ~25% national midpoint. Of the $115,180 gross, $83,428 lands in the paycheck after federal ($17,182), state ($5,759), and FICA ($8,811) withholding.
Massachusetts applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Clinical and Counseling Psychologists salary that contributes $5,759 to the 5.0% effective state-tax burden.
Federal tax on this Clinical and Counseling Psychologists salary is $17,182 (54%), but combined state ($5,759, 18%) + FICA ($8,811, 28%) make up the other 46% of the bill.
Moving this same Clinical and Counseling Psychologists salary to a zero-state-tax state would yield around $89,187 net — a gain of $5,759 (6.9%) per year versus Massachusetts.
For Clinical and Counseling Psychologists after-tax pay, Massachusetts ranks #8 of 48 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $83,428 net/year works out to $6,952/month or $3,209/bi-weekly for this Clinical and Counseling Psychologists in Massachusetts — the numbers that actually hit a checking account after every deduction.
Where does a Clinical and Counseling Psychologists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #8 out of 48 states for Clinical and Counseling Psychologists after-tax take-home pay.
A Clinical and Counseling Psychologists in Massachusetts earning a median salary of $115,180 will take home approximately $83,428 per year after federal income tax ($17,181), state income tax ($5,759), and FICA ($8,811). That is $6,952 per month or $3,208 per bi-weekly paycheck.
The effective total tax rate for a Clinical and Counseling Psychologists in Massachusetts is 27.6%, broken down as: federal income tax 14.9%, Massachusetts state tax 5.0%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
Massachusetts has a 5.0% flat rate. On a Clinical and Counseling Psychologists's median salary of $115,180, the state income tax amounts to $5,759 per year, which is an effective state rate of 5.0%.
After all taxes, a Clinical and Counseling Psychologists in Massachusetts takes home approximately $6,952 per month, or about $40.11 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $115,180 for Clinical and Counseling Psychologists in Massachusetts, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Massachusetts state income tax (5.0% flat rate), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $83,428/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR