Montana
Montana paycheck calculator
Montana taxes wages at 4.7%, then 5.65% above $47,500 single or $95,000 joint, after the federal-sized standard deduction. The top rate came down from 5.9% for 2026, and a further cut to 5.4% scheduled for 2027 is not applied early. Billings and Missoula do not add a city income tax here.
Two brackets with a wide bottom slice mean many middle salaries never see 5.65%. A traditional 401(k) reduces the Montana base; Social Security and Medicare do not. Federal tax still dominates the stub for most households.
Property tax debates are loud in Montana and still are not paycheck lines. This calculator estimates wage withholding only. Compare Montana with Idaho or Wyoming at the same salary when a relocation pitch skips the state income-tax difference entirely.
Example take-home
| Salary | Federal | FICA | State | Payroll | Local | Net / year | Net / check |
|---|---|---|---|---|---|---|---|
| $40,000.00 | $2,620.00 | $3,060.00 | $1,123.30 | $0.00 | $0.00 | $33,196.70 | $1,276.80 |
| $60,000.00 | $5,020.00 | $4,590.00 | $2,063.30 | $0.00 | $0.00 | $48,326.70 | $1,858.71 |
| $80,000.00 | $8,770.00 | $6,120.00 | $3,159.10 | $0.00 | $0.00 | $61,950.90 | $2,382.72 |
| $100,000.00 | $13,170.00 | $7,650.00 | $4,289.10 | $0.00 | $0.00 | $74,890.90 | $2,880.41 |
| $150,000.00 | $24,734.00 | $11,475.00 | $7,114.10 | $0.00 | $0.00 | $106,676.90 | $4,102.96 |
Loading the 2026 calculator…
What this page includes
- Federal income tax using the 2026 standard deduction and Rev. Proc. 2025-32 brackets
- Social Security (6.2% up to $184,500) and Medicare (1.45%, plus Additional Medicare when wages clear the filing-status threshold)
- Montana: graduated state income tax (top 5.65%)
- No employee state disability / paid-leave premium modeled for this state yet
- Local wage tax only if you select a city/county or enter a custom percent
Local tax
Montana does not have a local wage tax in this file. City costs show up in rent and sales tax, not as a second income-tax line on the stub.
What is not included
Credits, itemized deductions, multi-state credits, property tax, sales tax, and unsourced local rates are not included. Employer payroll tables can differ from this annualized estimate. This Montana page does not invent taxes that are missing from the 2026 data files.
Questions
What are Montana’s 2026 rates?
4.7%, then 5.65% above $47,500 single or $95,000 joint, after the federal standard deduction.
Is the 2027 rate cut already applied?
No. A scheduled move to 5.4% is not used early; this file keeps 5.65% for 2026.
Do Montana cities tax wages in this model?
Not as a city income tax. The state schedule is the only Montana income tax applied.
Nearby
Compare · Bonus · Hourly · All states · Local taxes
Sources
- IRS newsroom, tax year 2026 inflation adjustments (Rev. Proc. 2025-32)
- Rev. Proc. 2025-32 (PDF)
- Tax Foundation, 2026 federal income tax brackets
- IRS Publication 15-T, Federal Income Tax Withholding Methods
- SSA, Contribution and benefit base
- IRS Publication 15 (Circular E), Employer's Tax Guide
- IRS, Questions and answers for the Additional Medicare Tax
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026
- IRS, state government websites index
See a rate that looks wrong? The sources and the gaps are public.