Montana Take-Home Pay Calculator
Estimate your Montana paycheck using MT's simplified two-bracket state tax schedule for 2025, plus federal income tax and FICA.
What comes out of a Montana paycheck
Montana simplified from a seven-bracket system down to just two brackets — 4.7% and 5.9% for 2025 — one of the more dramatic bracket consolidations among states in recent years. Montana has no general sales tax, making income tax central to state revenue.
MT-taxable income: $80,000 − $4,000 pre-tax − $5,540 standard deduction = $70,460. MT tax on $70,460 (4.7%/5.9% brackets) ≈ $3,904.
Federal tax (on $61,000 taxable) ≈ $8,334 · MT state tax ≈ $3,904 · Social Security $4,960 · Medicare $1,160.
Annual take-home ≈ $57,642 → about $2,217 per biweekly paycheck (72.1% of gross).
Montana's rates keep dropping — a note for 2026 and beyond
Montana's simplification didn't stop at two brackets. For 2026, House Bill 337 widens the lower 4.7% bracket significantly and cuts the top rate to 5.65%, with a further planned reduction to 5.4% for 2027. This calculator uses the 2025 structure; expect a meaningfully lower Montana tax bill in the years ahead as these changes phase in.
Common mistakes when estimating Montana take-home pay
- Using the old seven-bracket system. It was fully replaced starting with the 2024 tax year.
- Using 2026's wider brackets for a 2025 estimate. The bracket widening and rate cut don't apply until 2026.
- Assuming Social Security is taxed. Montana doesn't tax it.
Frequently asked questions
What are Montana's state income tax rates?
Two brackets for 2025: 4.7% and 5.9%, simplified from a prior seven-bracket system.
Is Montana's top rate changing again?
Yes — dropping to 5.65% for 2026 with a wider lower bracket, and a further planned cut to 5.4% for 2027.
Does Montana tax Social Security benefits?
No.
Does Montana have a sales tax?
No — Montana has no general sales tax.
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Note: Simplified estimate using 2025 state and federal figures; excludes credits and benefit specifics. Not tax advice. Figures: 2025 Montana and federal tax year (rate scheduled to fall for 2026). Last reviewed: September 2026.