Montana Paycheck Calculator
Earning $75,000 in Montana? Your estimated 2026 take-home is about $58,716 after federal tax and FICA, and Montana state income tax.
Montana take-home pay calculator
Take-home now: $2,258.30 per 2 weeks
Use this free Montana (MT) paycheck, payroll and income tax calculator to estimate your 2026 take-home pay after federal income tax, Social Security, Medicare, and Montana's graduated state income tax (two brackets, 4.7% to 5.65%).
Adjust the calculator inputs to see the breakdown for your own Montana paycheck.
Montana's two-bracket ladder (4.7%–5.65%): what comes out of each 2026 check
Montana taxes income on a graduated state schedule for 2026, applied after the state deduction for your filing status. This calculator applies that on top of federal withholding and Social Security / Medicare to estimate your Montana take-home pay.
Montana uses a graduated income tax with 2 brackets for 2026, with marginal rates ranging from 4.7% to a top rate of 5.65% (which applies to single-filer taxable income above $47,500). For 2026, Montana's state standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly. As a worked example, a single filer earning $60,000 pays about $2,063 in Montana income tax (roughly 3.4% of gross) before federal tax and FICA.
What this estimate doesn't include: Local income taxes are not included. Montana taxes net long-term capital gains at lower rates and has credits not modeled here. City, county or school-district income taxes where they apply, court-ordered deductions, union dues, and anything else your specific employer withholds are not in this figure; your pay stub is the authority on those.
Estimates only, not tax advice. The section "What this estimate doesn't include" above lists what's left out; see also our terms and the corrections log.
Montana's two 2026 brackets, from 4.7% to 5.65% (single filers)
Montana's graduated single-filer schedule for 2026, applied after the state deduction:
| Taxable income | Marginal rate |
|---|---|
| $0 – $47,500 | 4.7% |
| $47,500 and above | 5.65% |
Montana's own $10.85 minimum wage — above the federal floor (2026)
$10.85/hour (≈$22,568/year full-time). Increased to $10.85/hr effective January 1, 2026 (CPI-indexed each year per 2006 ballot measure). No separate tipped wage — tipped workers get the full minimum.
Beyond the paycheck: Montana's 0% sales tax and property tax
| Sales tax | 0% (≈0% with local) |
| Property tax | ≈0.61% — Below the national average (0.61% effective on owner-occupied housing), roughly tied for 19th. Property tax funds about a third of Montana's state-and-local revenue given the absence of a sales tax. |
No city or county income tax anywhere in Montana
No municipal or county income taxes. Montana has only a statewide graduated individual income tax (4.70% to 5.65% for 2026, dropping to 5.40% top rate in 2027).
Is overtime and tips tax-free in Montana? Federally yes — and on the Montana return too
For tax years 2025 to 2028 there is a federal deduction for qualified overtime premium pay and tips (OBBBA caps & rules). FICA comes out either way.
Montana state income tax: Montana conforms; its 2025 forms allow the tips and overtime deductions. (source: revenuefiles.mt.gov)
- Overtime: 2025 — deductible on your Montana return too; 2026–2028 — deductible on your Montana return too.
- Tips: 2025 — deductible on your Montana return too; 2026–2028 — deductible on your Montana return too.
Related: tips calculator · tips by state · overtime calculator · overtime by state.
Your paycheck vs the $72,509 Montana median
| Median household income (2024 (ACS 1-year)) | $72,509 |
| Take-home (single filer) | ≈$57,104 |
Two Montana payroll quirks worth knowing
- Montana is one of only five states with no general sales tax, so there is no statewide tax at checkout — though certain tourist/resort towns may levy a local resort tax of up to 4% on goods and services.
- Montana taxes net long-term capital gains at lower, separate rates (3.0% and 4.1% for 2026) than ordinary wage income (4.70%/5.65%), so investment income is treated more favorably than paycheck income.
Montana paycheck FAQ
What does a full-time minimum-wage job in Montana pay in 2026?
Montana's 2026 minimum wage is $10.85/hour — about $22,568 a year at 40 hours a week before taxes. Details and exceptions are in the minimum-wage section above.
Does Montana have a state income tax in 2026?
Yes — two graduated brackets from 4.7% to 5.65% in 2026, on top of federal tax and FICA.
Compare a paycheck next door: Idaho, Wyoming & North Dakota
| State | State income tax (2026) | Take-home on $75,000 (single) |
|---|---|---|
| Montana | two brackets, 4.7%–5.65% | $58,716 |
| Idaho | two brackets, 0%–5.3% | $58,726 |
| Wyoming | no state income tax | $61,593 |
| North Dakota | three brackets, 0%–2.5% | $61,411 |
| South Dakota | no state income tax | $61,593 |
Those are the states next door. To see where Montana lands against all of them at once, our take-home pay by state study runs an identical salary at two levels, $75,000 and $100,000, through the 2026 rules of every state and DC, except Arizona, California, District of Columbia, Idaho, Maryland and Vermont, still on their 2025 tables, ranked from the most take-home pay to the least.
All state paycheck calculators →
Data compiled and maintained by Edmond Daher · Updated 2026-08-02