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Montana Paycheck Calculator (2026)

Estimate your Montana take-home pay after federal tax, FICA, and Montana state income tax.

How this calculator works

Like our other paycheck calculators, this estimates federal tax and FICA the same way regardless of state. On top of that, it applies Montana’s own state income tax directly to your federal taxable income (wages after the federal standard deduction, with no separate Montana deduction to subtract), then Montana’s 4.7%/5.65% two-bracket schedule. Montana has no state disability insurance tax, no paid-family-leave payroll tax, and no local wage income tax, so Montana income tax is the only state-level line on the breakdown below.

The formula

(federal tax, FICA, and net-pay assembly are identical to the Texas calculator)

mtWages   = grossWages − pretaxHealth − 401(k) contribution

mtTaxable = max(0, mtWages − federal standard deduction)
          (Montana taxable income IS federal taxable income, per a 2024 state law change)

mtIncomeTax = 2026 MT bracket schedule applied to mtTaxable
            (4.7% up to $47,500 single / $95,000 joint, 5.65% above)

stateTax  = mtIncomeTax

Worked example

A single filer earning $60,000/year, paid biweekly, with no 401(k) or extra deductions:

  • FICA: $4,590.00/year (same as any state)
  • Federal tax: $5,020.00/year (same as any state)
  • Federal standard deduction (used directly as Montana’s own deduction): $16,100.00
  • Montana taxable income: $60,000 − $16,100 = $43,900.00
  • Montana income tax: $43,900 × 4.7% (entirely within the first bracket) = $2,063.30/year
  • Net pay: $60,000 − $4,590 − $5,020 − $2,063.30 = $48,326.70/year, or $1,858.72 per biweekly paycheck

We separately verified the bracket boundary itself against the Montana Department of Revenue’s own 2026 withholding guide: a married joint filer with $127,200 of wages has $95,000 of Montana taxable income, exactly the top of the 4.7% bracket, and the guide states the cumulative tax there as $4,465, an exact match to 4.7% × $95,000 with no rounding needed.

Frequently asked questions (FAQ)

What are Montana's 2026 income tax brackets?

Montana has two brackets: 4.7% and 5.65%. For single filers (and married filing separately), the 5.65% rate applies above $47,500 of taxable income. For married couples filing jointly, that threshold doubles to $95,000. These rates took effect January 1, 2026 under House Bill 337.

Why does this calculator use my federal taxable income instead of a separate Montana deduction?

Because that's how Montana law actually works. A 2021 law (Senate Bill 399), effective for tax year 2024, eliminated Montana's own standard deduction and exemptions and redefined Montana taxable income to start directly from your federal taxable income, the same figure on your federal return.

Does Montana have state disability insurance or a paid family leave tax on my paycheck?

No. Montana has no mandatory State Disability Insurance or Paid Family Leave payroll tax, unlike California, New Jersey, or New York. Montana unemployment insurance is funded entirely by employer contributions, so Montana state income tax is the only state-level tax line on a Montana paycheck.

Does Montana have local or city income taxes?

No. Montana has no local or municipal income tax on wages anywhere in the state. Unlike Ohio, Pennsylvania, or some Alabama cities, no Montana city or county adds its own tax on top of the state income tax, so this calculator does not need a city or county input.

Are tips and overtime tax-free in Montana?

For state tax purposes, generally yes, automatically. Because Montana taxable income starts from your federal taxable income, the federal 2025-2028 "no tax on tips" and "no tax on overtime" deductions flow straight through to your Montana return with no separate state law needed, unlike states such as California that don't conform.

Did Montana's tax rates change for 2026?

Yes. House Bill 337, passed in the 2025 legislative session, lowered the top rate from 5.9% (tax year 2025) to 5.65% and widened the 4.7% bracket for tax year 2026. The bracket structure changes again in 2027 under the same bill, so Montana rates have moved every year since a 2024 tax simplification.

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