Montana income tax in 2026
Montana has a graduated income tax with rates from 4.7% to 5.65% for single filers, spread across 2 brackets. The calculation starts from federal taxable income, so the $16,100 federal standard deduction (single) is already subtracted.
| Taxable income (single) | Rate |
|---|---|
| $0 – $47,500 | 4.7% |
| Over $47,500 | 5.65% |
| Taxable income (married filing jointly) | Rate |
|---|---|
| $0 – $95,000 | 4.7% |
| Over $95,000 | 5.65% |
Montana rules and notes
- HB 337 (2025) cuts the top rate from 5.9% to 5.65% for 2026 and widens the 4.7% bracket to $47,500 (single and MFS), $71,250 (head of household) and $95,000 (joint).
- For 2027 the top rate falls to 5.4%, and the 4.7% bracket rises to $65,000 single / $130,000 joint.
- Since 2024, Montana taxable income starts from federal taxable income, adjusted by Montana additions and subtractions. So the 2026 federal standard deduction (the values shown) and other federal deductions flow through, and there are no personal exemptions.
- Net long-term capital gains get lower rates: 3.0% on the portion in the lower bracket and 4.1% above it. Not modeled in the brackets.
- HB 337 also doubles the Montana earned income tax credit to 20% of the federal credit.
Montana take-home pay by salary
Single filer, paid every two weeks, 2026 rules, standard deduction and no pre-tax deductions; includes Montana income tax but not local taxes.
| Salary | Federal income tax | Social Security + Medicare | Montana income tax | Take-home per year | Per bi-weekly paycheck |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,123 | $33,197 | $1,276.80 |
| $50,000 | $3,820 | $3,825 | $1,593 | $40,762 | $1,567.76 |
| $60,000 | $5,020 | $4,590 | $2,063 | $48,327 | $1,858.72 |
| $75,000 | $7,670 | $5,738 | $2,877 | $58,716 | $2,258.30 |
| $100,000 | $13,170 | $7,650 | $4,289 | $74,891 | $2,880.42 |
| $150,000 | $24,734 | $11,475 | $7,114 | $106,677 | $4,102.96 |
Hourly wages after taxes in Montana
Full-time (40 hours a week, 2,080 hours a year), no overtime, single filer:
| Hourly wage | Annual pay | Weekly take-home | Bi-weekly take-home | Take-home per year | Take-home per hour |
|---|---|---|---|---|---|
| $15.00 | $31,200 | $510.38 | $1,020.75 | $26,540 | $12.76 |
| $20.00 | $41,600 | $661.68 | $1,323.35 | $34,407 | $16.54 |
| $25.00 | $52,000 | $812.97 | $1,625.95 | $42,275 | $20.32 |
| $30.00 | $62,400 | $964.28 | $1,928.55 | $50,142 | $24.11 |
Montana vs. neighboring states
Take-home pay on a $75,000 salary (single, bi-weekly), with the difference from Montana. Federal taxes are identical in every state, so the gaps come from state income tax. On a $75,000 salary, Montana ranks #33 of 51 (50 states and DC) for take-home pay. Nationally, take-home pay on $75,000 ranges from $56,538 in Oregon to $61,593 in states without a wage tax; the median is $59,005.
| State | State income tax | Take-home per year | Per bi-weekly paycheck | vs. Montana |
|---|---|---|---|---|
| Montana | $2,877 | $58,716 | $2,258.30 | — |
| South Dakota | None | $61,593 | $2,368.94 | +$2,877 |
| Wyoming | None | $61,593 | $2,368.94 | +$2,877 |
| North Dakota | $182 | $61,411 | $2,361.95 | +$2,695 |
| Idaho | $2,860 | $58,733 | $2,258.94 | +$17 |
Neighboring state calculators: South Dakota, Wyoming, North Dakota, Idaho. See all 50 states and DC on the national paycheck calculator.
How your Montana paycheck is calculated
- Gross pay for the year is your salary, or your hourly wage × hours × 52 plus overtime at 1.5×.
- Pre-tax deductions such as a traditional 401(k), health premiums and HSA contributions are subtracted before federal income tax.
- Federal income tax uses the 2026 brackets, your filing status’s standard deduction ($16,100 single) and credits for children and other dependents.
- Social Security and Medicare take 6.2% (up to $184,500 of wages) and 1.45%.
- Montana income tax is figured on the annual amount using the rules above, then divided across your paychecks.
We divide the annual totals by your number of paychecks, which is how a correctly completed 2026 Form W-4 is designed to withhold. Your employer’s withholding tables may differ by a few dollars per check. For your full-year tax bill, use the income tax calculator.
Frequently asked questions
How much is $75,000 a year after taxes in Montana?
A single filer earning $75,000 in Montana takes home about $58,716 a year in 2026, or $2,258.30 per bi-weekly paycheck. That is after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $2,877 of Montana income tax. Pre-tax 401(k) or health deductions would lower your taxes but also your take-home pay.
Does Montana have a state income tax?
Yes. Montana has a graduated income tax with rates from 4.7% to 5.65% for single filers in 2026. On a $75,000 salary, that works out to about $2,877 a year, or $110.64 per bi-weekly paycheck, an effective state rate of 3.84% of gross pay. Employers withhold it from each paycheck along with federal taxes.
How much is $20 an hour after taxes in Montana?
Full time (40 hours a week), $20 an hour is $41,600 a year. After 2026 federal income tax, Social Security and Medicare and Montana income tax, a single filer in Montana takes home about $34,407 a year, or $1,323.35 per bi-weekly paycheck, about $16.54 per hour worked.
How does take-home pay in Montana compare with nearby states?
On a $75,000 salary (single, bi-weekly), take-home pay is $58,716 a year in Montana. In neighboring states it ranges from $58,733 to $61,593; South Dakota (the highest nearby) is $2,877 higher. Federal taxes are the same everywhere, so the gap comes entirely from state income tax.
How much federal tax comes out of each paycheck on a $75,000 salary?
Federal taxes don’t depend on the state. For a single filer paid every two weeks on $75,000, about $295.00 of federal income tax, $178.85 of Social Security (6.2%) and $41.83 of Medicare (1.45%) come out of each 2026 paycheck, based on the $16,100 standard deduction. Children, pre-tax deductions and W-4 choices change the federal amount.