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State paycheck calculator

Utah Paycheck Calculator (2026)

Enter your annual salary below to see your Utah take-home pay after federal, state, FICA, and any local taxes for 2026.

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Utah's Taxpayer Tax Credit is modeled. The per-dependent amount and the phase-out thresholds behind it are indexed every year, and Utah does not publish the next year's TC-40 until the following January, so the calculator carries the most recent published figures forward. The state rate itself is the enacted 2026 figure.

Quick answer

Utah taxes every dollar at 4.45% and grants no standard deduction and no personal exemption at all. All of its relief arrives as one credit, worth $966 at most and gone by $92,521. At $85,000 single, the state bill is $3,685 and take-home is $64,943 a year.

Utah does something almost no other income-tax state does: it gives you nothing off your income. There is no standard deduction, no personal exemption, and no zero-rate band at the bottom. The 4.45% rate applies from the first dollar of Utah taxable income to the last. Everything Utah gives back, it gives back as the Taxpayer Tax Credit, subtracted from the tax itself rather than from the income the tax is computed on. That distinction is worth holding onto, because a credit is worth its face value while a deduction is only worth its face value times your rate. The credit is built from the federal standard deduction, reaching $966 for a single filer with no dependents, and each dependent adds to it. Then it phases out: above $18,213 of income it shrinks by 1.3% of every additional dollar, and for that same single filer it is exhausted at $92,521. This is why Utah looks strange on a comparison chart. A filer well below the phase-out sees a real benefit and an effective rate under 4.45%; a filer at six figures sees no benefit and pays the flat rate on everything. At $85,000 the credit is nearly spent, worth $98, so the state bill is $3,685 against an effective rate of 4.33%. Federal income tax lands at $9,870, FICA at $6,503, and take-home at $64,943. No Utah city taxes wages.

Utah state tax breakdown

Single-filer state income tax brackets used by the calculator for 2026.

Taxable IncomeRate
$0+4.45%

Major Utah metros

These metros do not levy a separate city income tax; paycheck math runs the Utah state schedule above. Each metro page adds city-specific context (cost of living, major employers, commute patterns) on top of the state calculator.

Salt Lake CityUtah metro context

vs. baseline ($85,000 single filer)

A $85,000 salary in Utah takes home approximately $3,700 less than the same salary in a no-income-tax state like Texas or Florida.

What this estimate includes

This calculator computes Utah take-home pay using 2026 federal brackets after the standard deduction, FICA contributions (Social Security at the federal rate up to the annual wage base, Medicare on all wages, plus the Additional Medicare Tax above the filing-status threshold), Utah's state income tax schedule above, and any local income tax or state-administered payroll program (SDI, PFML, FAMLI) when you select a city or county. For states with no broad-based personal income tax, the state line is zero. It excludes employer-side payroll taxes, custom W-4 elections, supplemental-wage handling for bonuses or equity vesting, and income from sources other than W-2 wages.

Utah paycheck FAQ

Why does Utah have no standard deduction?
Because it chose a different instrument. Utah relieves low and middle incomes entirely through the Taxpayer Tax Credit, taken off the tax rather than off the income, and grants no deduction or exemption of any kind. The credit reaches $966 for a single filer with no dependents, and it is worth its full face value. A deduction of that size would only be worth its size times your rate.
How much Utah state tax do you owe on $85,000?
About $3,685 for a single filer, an effective state rate of 4.33%. Every dollar of Utah taxable income is taxed at 4.45%, with nothing subtracted first, and the Taxpayer Tax Credit then takes $98 back off the bill. At this income the credit is nearly spent, which is why the effective rate sits so close to the flat rate itself.
When does Utah's Taxpayer Tax Credit run out?
It begins shrinking above $18,213 of income, losing 1.3% of every additional dollar earned. For a single filer with no dependents, the $966 credit is fully spent by $92,521, which is why a six-figure Utah filer sees no benefit at all. Dependents enlarge the credit and push that point higher; joint filers phase out from a higher threshold.
How much does a 401(k) contribution save at $85,000 in Utah?
The combined marginal rate is 26.45%, federal 22% plus the flat state 4.45%. Utah deferrals do a second thing worth knowing about: because the credit phases out against income, lowering your income also enlarges the credit. Below $92,521, a deferral is worth more in Utah than the 4.45% rate alone implies.
What changes for married filing jointly, head of household, or filing separately at $85,000 in Utah?
Joint filers take home about $70,176, roughly $5,233 more than a single filer. The flat rate itself is status-neutral, so the state-side movement comes entirely from the credit, which is built on a larger federal standard deduction and phases out from a higher threshold. Head of Household clears about $68,466, on a threshold between the two.
How does Utah compare to Idaho at $85,000?
Both are flat-rate Mountain West states, and Idaho's rate sits slightly above Utah's, so a Utah resident at $85,000 keeps roughly $33 more per year. At lower incomes that gap widens, because the Taxpayer Tax Credit is worth more there. Utah also runs no state disability or paid-leave payroll deduction, and no Utah city taxes wages, so the state line is the whole state-side story. Federal tax and FICA are identical in both.

Take-home at common salaries for Utah

Dedicated salary-anchor pages with a federal-state-FICA breakdown, vs-baseline callouts, and a calculator pre-set to that salary and Utah.

$50,000 after taxesin Utah$75,000 after taxesin Utah$100,000 after taxesin Utah$150,000 after taxesin Utah$200,000 after taxesin Utah$250,000 after taxesin Utah

See also

Open the national paycheck calculatorWyoming take-home, for comparisonNevada take-home, for comparisonHow the same salary lands in ArizonaRun the same numbers against New MexicoRun the same numbers against IdahoPaid hourly in Utah? Check the per-check numberEstimate quarterly self-employment tax in UtahWhat a bonus pays after Utah withholdingPut two states side by sideWhat the terms on your pay stub meanThe math behind these numbers

Reviewed

How This Page Is Reviewed

The Utah paycheck page is reviewed against primary federal and state sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-07-12