Utah Paycheck Calculator 2026 – Estimate Your Take-Home Pay
Use our free Utah Paycheck Calculator to estimate your net pay for the 2026 tax year. This tool acts as a Utah net pay calculator by computing Federal withholding, FICA taxes, and Utah income tax at the state's flat rate of 4.85%. Because Utah uses a simple flat tax rather than progressive brackets, calculating your Utah take home pay is straightforward and consistent regardless of income level.
- State Tax Rate: 4.85% (Flat Rate)
- Federal Tax: 10% – 37% (Based on brackets)
- Social Security: 6.2%
- Medicare: 1.45%
How the Utah Paycheck Calculator Works
Our Utah paycheck calculator uses the latest 2026 tax rules. Unlike states with complex brackets, Utah simplifies the process. We start with your gross earnings and subtract:
- Federal Withholding: Based on your filing status and IRS brackets.
- FICA Taxes: Mandatory contributions for Social Security (6.2%) and Medicare (1.45%).
- Utah State Tax: Calculated at a flat 4.85% rate on your taxable income.
Utah Income Tax Rate (2026)
Utah has one of the most straightforward income tax systems in the U.S. This makes the Utah income tax calculator logic highly predictable.
| Filing Status | Tax Rate |
|---|---|
| Single | 4.85% (Flat) |
| Married Filing Jointly | 4.85% (Flat) |
| Head of Household | 4.85% (Flat) |
Note: While the rate is flat, Utah provides a taxpayer credit that phases out at higher income levels, effectively creating a slight progressivity for lower earners.
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 Utah paystub calculator includes 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). High earners (> $200k) pay an additional 0.9% Medicare tax.
Utah Paycheck After Taxes for $65,000 Salary
If you are a single filer in Salt Lake City or Provo earning $65,000 per year, your breakdown looks like this:
| Tax Description | Amount |
|---|---|
| Federal Tax (Est.) | $6,900 |
| FICA (7.65%) | $4,972 |
| State Tax (4.85%) | $3,152 |
| Estimated Take-Home Pay | $49,976 |
Minimum Wage & Cost of Living
Utah adheres to the federal minimum wage of $7.25 per hour. The cost of living in Utah has risen recently due to housing demand, particularly in the Salt Lake City metro area, but generally remains below coastal averages.
How to Increase Your Take-Home Pay
To maximize your Utah salary calculator results, ensure your W-4 form is accurate. Contributing to pre-tax retirement accounts (401k/403b) reduces your taxable income, which lowers both your federal tax and your flat 4.85% state tax liability.
FAQs – Utah Paycheck Calculator
What is the income tax rate in Utah for 2026?
Utah uses a flat state income tax rate of 4.85% for all income levels and filing statuses for the 2026 tax year.
Does Utah tax overtime pay?
Yes, overtime pay is taxed at the same flat 4.85% rate as regular wages.
Are there local city taxes in Utah?
No. Utah cities and counties do not levy a local personal income tax on wages.