NE, MN, UT, MT Paycheck Tax Guide 2025-26
Side-by-side take-home pay at $50K, $75K, $100K plus Montana's 2024 reform and Utah's credit advantage.
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Montana overhauled its income tax in 2024, replacing a seven-bracket system (1% to 6.9%) with a simpler two-bracket structure (4.7% and 5.9%). The reform was marketed as a tax cut, but the reality is more nuanced. Workers earning below approximately $57,000 per year pay slightly more under the new system because the old lowest brackets (1%–3%) were well below the new 4.7% bottom rate. Workers above $57,000 benefit, with savings increasing at higher incomes.
| Annual Salary | Old 7-Bracket Tax | New 2-Bracket Tax | Annual Change | Monthly Change |
|---|---|---|---|---|
| $30,000 | $674 | $724 | +$50 (costs more) | +$4/mo |
| $50,000 | $1,770 | $1,848 | +$78 (costs more) | +$7/mo |
| $65,000 | $2,805 | $2,733 | −$72 saved | −$6/mo |
| $85,000 | $4,185 | $3,913 | −$272 saved | −$23/mo |
| $100,000 | $5,220 | $4,798 | −$422 saved | −$35/mo |
| $150,000 | $8,670 | $7,748 | −$922 saved | −$77/mo |
Single filers, standard deduction applied before brackets. Old tax uses the pre-2024 seven-bracket system (1%–6.9%). New tax uses 2025 two-bracket structure (4.7%–5.9%). Crossover point where new system becomes cheaper is approximately $57,768 gross.
Montana is one of only five U.S. states with no statewide sales tax. This matters for take-home pay comparisons: Wyoming also has no income tax, but charges a sales tax of approximately 4%–5.5% depending on county. For a Montana resident spending around $25,000 per year on taxable goods, the zero sales tax saves roughly $1,000–$1,400 annually, partially (but not fully) offsetting Montana's income tax bill.
| Annual Salary | MT Income Tax | WY Income Tax | MT Sales Tax* | WY Sales Tax* | Net: MT vs WY |
|---|---|---|---|---|---|
| $40,000 | $724 | $0 | $0 | $1,250 | MT saves $526/yr |
| $65,000 | $2,733 | $0 | $0 | $1,250 | MT costs $1,483/yr more |
| $85,000 | $3,913 | $0 | $0 | $1,250 | MT costs $2,663/yr more |
| $100,000 | $4,798 | $0 | $0 | $1,250 | MT costs $3,548/yr more |
| $150,000 | $7,748 | $0 | $0 | $1,250 | MT costs $6,498/yr more |
*Assumes $25,000/year in taxable goods spending. WY sales tax estimated at 5% (4% state + ~1% county average). Wyoming has no state income tax. Net figure shows annual difference between total income + sales tax burden. For a $40K earner, MT's lower income tax actually beats Wyoming's sales tax; above ~$50K, Wyoming becomes cheaper overall.
Researches and verifies the formulas, methodology, and source data behind each calculator on CalculatorFlux. All tools are built and checked against the cited references before publication.
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