Increasing levels of chloride in surface water are associated with detrimental effects on water quality, aquatic ecosystems, infrastructure, and human health. Numerous mass-balance studies have inferred watershed transport processes by interpreting chloride inputs and outputs, but few represent internal dynamics explicitly. We constructed a coupled water/chloride mass balance model to gain insights into storage, residence time, and transport processes in a 10-km² urban watershed. The model, which operates over a 10-year period at a daily time scale, represents storage in a dynamic soil-moisture reservoir, quick-flow runoff from storm events, and slow-flow runoff that sustains streamflow in dry weather. The calibrated model accurately represented (a)the observed transition from a streamflow enrichment regime in cold months to a dilution regime in warmer months, (b) the observed tendency for late-summer concentrations to be higher after winters with heavy snowfall, and (c) a period-of-record downward trend in chloride concentration likely associated with a downward trend in annual snowfall. Estimated chloride inputs averaged 195 metric tons per year, while the average output was 270 metric tons per year. In contrast, estimated storage was only 107 metric tons. The estimated mean residence time in groundwater was 1.27 years. This short residence time indicates that efforts to reduce inputs will manifest as decreased concentrations in streamflow on a management-relevant time scale of several years. The coupled mass balance model yielded insights into internal watershed dynamics that would not be possible from simple input/output analysis; such models can be useful tools for gaining insight into small watershed hydrology and pollutant transport.