Montana Paycheck Calculator 2026 – Estimate Your Take-Home Pay
Use our free Montana Paycheck Calculator to estimate your net pay for the 2026 tax year. This tool acts as a MT net pay calculator by computing Federal withholding, FICA taxes, and Montana income tax based on the 8 progressive tax brackets ranging from 1% to 6.9%. Whether you are a salaried employee or need a Montana hourly paycheck calculator, this tool helps you understand your payroll deductions clearly.
- State Tax Rate: 1% – 6.9% (Progressive)
- Federal Tax: 10% – 37% (Based on brackets)
- Social Security: 6.2%
- Medicare: 1.45%
How the Montana Paycheck Calculator Works
Our Montana gross to net calculator uses the latest 2026 tax formulas to convert your salary into take-home pay. We start with your gross earnings and subtract:
- Federal Withholding: Based on your W-4 filing status.
- FICA Taxes: Mandatory contributions for Social Security (6.2%) and Medicare (1.45%).
- Montana State Tax: Calculated using the specific 8-tier bracket system applicable to your taxable income.
Montana Income Tax Brackets (2026)
Montana uses a progressive income tax system with eight brackets. This makes the Montana income tax calculator logic detailed.
Single Filer Brackets
| Taxable Income Range | Tax Rate |
|---|---|
| $0 – $3,100 | 1.00% |
| $3,101 – $5,200 | 2.00% |
| $5,201 – $7,400 | 3.00% |
| $7,401 – $9,600 | 4.00% |
| $9,601 – $12,900 | 5.00% |
| $12,901 – $17,200 | 6.00% |
| $17,201 – $21,500 | 6.75% |
| $21,501 and over | 6.90% |
Note: Married Filing Jointly brackets are wider, effectively doubling for most income ranges.
Federal Taxes That Apply to Your Paycheck
Federal Income Tax
The IRS imposes a progressive tax ranging from 10% to 37%. Your specific rate depends on your filing status and total taxable income.
Social Security & Medicare (FICA)
Every Montana paystub calculator must account for FICA. This deducts 6.2% of your gross pay for Social Security (up to the wage limit) and 1.45% for Medicare (on all earnings).
Montana Paycheck After Taxes for $50,000 Salary
If you are a single filer in Billings or Missoula earning $50,000 per year, your breakdown looks like this:
| Tax Description | Amount |
|---|---|
| Federal Tax (Est.) | $4,241 |
| FICA (7.65%) | $3,825 |
| State Tax (Est.) | $2,450 |
| Estimated Take-Home Pay | $39,484 |
Minimum Wage & Cost of Living
Montana's minimum wage is adjusted annually for inflation ($10.30+ in 2024/25). The cost of living varies; rural areas are affordable, but resort towns like Bozeman are significantly more expensive.
How to Increase Your Take-Home Pay
To maximize your Montana salary calculator results, ensure your W-4 form is accurate. Contributing to pre-tax retirement accounts (401k/403b) reduces your taxable income, potentially dropping you into a lower tax bracket.
FAQs – Montana Paycheck Calculator
What is the income tax rate in Montana for 2026?
Montana has a progressive income tax system with rates ranging from 1% to 6.9%. The top rate applies to income over $21,500 for single filers.
Does Montana tax overtime pay?
Yes, overtime pay is treated as regular income and is subject to both federal and Montana state income taxes.
Are there local city taxes in Montana?
No. Montana cities and counties do not impose a local income tax on wages.