Utah Income Tax Calculator 2026
Utah has a flat income tax with a top rate of 4.45% in 2026. Enter your income to see your annual state and federal tax bill.
Updated 2026-10-03
| Annual | Annual | |
|---|---|---|
| Gross pay | $60,000.00 | $60,000 |
| Federal income tax | -$5,020.00 | -$5,020 |
| Social Security (6.2%) | -$3,720.00 | -$3,720 |
| Medicare | -$870.00 | -$870 |
| Utah income tax | -$1,704.00 | -$1,704 |
| Take-home pay | $48,686.00 | $48,686 |
- Take-home $48,686 81.1%
- Federal income tax $5,020 8.4%
- Social Security $3,720 6.2%
- Medicare $870 1.5%
- State tax $1,704 2.8%
Take-home pay vs. taxes at every income level in Utah
- Take-home pay
- Total taxes
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Utah effective state tax rate by income
- Single
- Married jointly
2026 take-home pay in Utah at common salaries
Single filer, standard deduction, no pre-tax deductions, paid bi-weekly.
| Salary | Federal | FICA | State + local | Take-home / yr | Per paycheck | Effective |
|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $369 | $25,916 | $997 | 13.6% |
| $50,000 | $3,820 | $3,825 | $1,259 | $41,096 | $1,581 | 17.8% |
| $75,000 | $7,670 | $5,738 | $2,372 | $59,221 | $2,278 | 21.0% |
| $100,000 | $13,170 | $7,650 | $3,484 | $75,696 | $2,911 | 24.3% |
| $150,000 | $24,734 | $11,475 | $5,709 | $108,082 | $4,157 | 27.9% |
| $250,000 | $51,304 | $15,514 | $10,159 | $173,023 | $6,655 | 30.8% |
- Take-home
- Total tax
Utah income tax rates for 2026
Single
| Taxable income over | Rate |
|---|---|
| $0 | 4.45% |
Standard deduction $0 · personal credit $966
Married filing jointly
| Taxable income over | Rate |
|---|---|
| $0 | 4.45% |
Standard deduction $0 · personal credit $1,932
Key facts about Utah taxes
- S.B. 60 cut Utah's flat income tax rate from 4.5% to 4.45%, retroactive to January 1, 2026.
- Updated withholding tables reflecting 4.45% apply to payroll periods beginning on or after June 1, 2026.
- Utah has no standard deduction of its own. It gives a taxpayer tax credit of 6% of your federal standard (or itemized) deduction plus $2,111 per qualifying dependent (2025 amount).
- The taxpayer credit shrinks by 1.3 cents for every dollar of income above a base amount: $18,213 single, $27,320 head of household and $36,426 joint for 2025.
- Utah has no local income taxes. The combined sales tax rate averages 7.42%.
Federal taxes withheld from every Utah paycheck
| Federal bracket (2026, single) | Rate |
|---|---|
| Over $0 | 10% |
| Over $12,400 | 12% |
| Over $50,400 | 22% |
| Over $105,700 | 24% |
| Over $201,775 | 32% |
| Over $256,225 | 35% |
| Over $640,600 | 37% |
More Utah calculators
- Utah (UT) paycheck calculator
- Utah income tax calculator
- Utah sales tax calculator
- Salt Lake City paycheck calculator
- Compare Utah with any state
What this calculator simplifies
- Does not model the taxpayer credit phase-out (1.3% of income above the base amount). Most middle- and higher-income filers lose much of the credit, so their tax will be understated.
- The dependent personal exemption ($2,111) and phase-out bases are 2025 figures. Utah had not published 2026 amounts.
- Ignores the Social Security, retirement, earned income and other Utah credits.
How Utah’s flat tax and taxpayer credit work together
Utah taxes income at a flat 4.45% for 2026, but it has no standard deduction. Instead, it gives a nonrefundable taxpayer tax credit that does a similar job for lower and middle incomes. The credit is 6% of your federal standard deduction (or itemized deductions), plus 6% of $2,111 for each qualifying dependent (the 2025 exemption amount).
The credit then shrinks by 1.3 cents for each dollar of Utah taxable income above a base amount. For 2025 the bases were $18,213 single, $27,320 head of household and $36,426 married filing jointly. Utah taxable income generally equals federal AGI plus or minus Utah adjustments, not AGI minus a deduction.
Worked examples
Single, $60,000 AGI: tax before credits is 4.45% × $60,000 = $2,670. The starting credit is 6% × $16,100 = $966. The phase-out is 1.3% × ($60,000 − $18,213) = $543, so the credit left is $423 and Utah tax is about $2,247 (3.75% of AGI).
Married, two dependents, $120,000 AGI: tax before credits is $5,340. The starting credit is $2,186, but 1.3% of the income above $36,426 wipes out all but $1,100, so Utah tax is about $4,240. At this level the flat rate applies to almost every dollar.
These examples use the 2025 phase-out bases with 2026 rates, because Utah had not published 2026 bases. Our calculator gives the full credit without the phase-out, so it understates tax for most middle- and higher-income filers.
Utah credits worth checking
Utah delivers most tax breaks as credits rather than deductions. Amounts below are for tax year 2025.
- The Social Security benefits credit and retirement credit reduce by 2.5 cents per dollar of income over the limit; the child tax credit reduces by 10 cents per dollar.
- You cannot claim the retirement credit if you or your spouse claim the Social Security benefits credit or the military retirement credit.
| Credit | Amount | Income limit (phase-out starts) |
|---|---|---|
| Social Security benefits credit | 4.5% of taxable benefits | $54,000 single, $90,000 joint, $45,000 married separate (MAGI) |
| Retirement credit (born on or before Dec. 31, 1952) | Up to $450 per person | $25,000 single, $32,000 joint/HOH |
| Utah child tax credit (children aged 5 or under) | $1,000 per child | $43,000 single/HOH, $54,000 joint |
| Utah earned income tax credit (nonrefundable) | 20% of federal EITC | Follows federal EITC rules |
Filing deadline and extensions
Utah returns (Form TC-40) are due April 15, 2027 for the 2026 tax year. Utah grants an automatic six-month extension to October 15 with no form, but only if you have prepaid at least 90% of the current year’s tax or 100% of last year’s tax by April 15, through withholding, credits or a TC-546 payment. Withholding is reported on form TC-40W attached to the return.
Residency and domicile
Utah treats you as domiciled in the state based on specific facts, which matters if you split time with another state. Examples from the TC-40 instructions include:
- holding a Utah driver license
- receiving the residential property tax exemption on a home
- claiming a federal dependent credit for a dependent who is a Utah resident student
- registering a vehicle in Utah, or using a Utah address on tax returns and official documents
- spending 183 or more days in Utah during the tax year
- Part-year residents and nonresidents with Utah income file the TC-40 with Schedule TC-40B to prorate tax.
Frequently asked questions
Does Utah have a state income tax?
Yes. Utah has a flat income tax of 4.45% for 2026.
How much is take-home pay on $75,000 in Utah (UT)?
A single filer earning $75,000 in Utah takes home about $59,221 a year ($2,278 per bi-weekly paycheck) in 2026, after $7,670 federal income tax, $5,738 FICA and $2,372 in state and local taxes. That is an effective rate of 21.0%.
What is the sales tax rate in Utah?
The Utah state sales tax rate is 6.10%. With local taxes the average combined rate is 7.42%, and the highest combined rate is 10.80%.
What is the 2026 federal standard deduction?
$16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.
How much Social Security and Medicare is withheld?
Employees pay 6.2% Social Security on wages up to $184,500 in 2026, and 1.45% Medicare on all wages, plus 0.9% Additional Medicare on wages over $200,000 (single).
Can I claim the Utah retirement credit and the Social Security benefits credit together?
No. The retirement credit (for people born on or before December 31, 1952) cannot be claimed if you or your spouse claim the Social Security benefits credit or the military retirement credit.
Does Utah tax Social Security?
Social Security is included in Utah income, but a Social Security benefits credit offsets the tax for filers below $54,000 (single) or $90,000 (joint) of modified AGI for 2025, phasing out above that.
What is the Utah child tax credit?
$1,000 per qualifying child aged five or younger for 2025, reduced by 10 cents per dollar of modified AGI above $43,000 (single) or $54,000 (joint).
When is the Utah tax return due?
April 15, with an automatic extension to October 15 if you have prepaid 90% of this year’s tax or 100% of last year’s.
Sources
Figures are taken from official government publications and were last reviewed on 2026-10-03.
- Utah State Tax Commission: Taxpayer Tax Credit (TC-40 instructions)
- Utah State Tax Commission: Publication 14 Withholding Tax Guide
- Tax Foundation: State and Local Sales Tax Rates, Midyear 2026 (as of July 1, 2026)
- Rev. Proc. 2025-32 (2026 inflation adjustments incl. OBBBA)
- IRS: Tax inflation adjustments for tax year 2026, including OBBBA amendments
- IRS: 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500
- Rev. Proc. 2025-19 (2026 HSA limits)
- IRS: Correction to SALT deduction amount in the 2026 Form 1040-ES
- IRS Topic No. 560, Additional Medicare Tax
- IRS Topic No. 559, Net Investment Income Tax
- IRS: Working Families Tax Cuts (OBBBA) deductions for working Americans and seniors
- IRS: Child Tax Credit
- IRS Publication 15 (2026), Employer’s Tax Guide (supplemental wage withholding)
- IRS Instructions for Forms W-2G and 5754 (gambling withholding)
- SSA 2026 Cost-of-Living Adjustment Fact Sheet
- Utah State Tax Commission: TC-40 General Instructions (due dates, extensions, domicile)
- Utah State Tax Commission: TC-40A credits (Social Security, child tax credit, EITC)
- Utah State Tax Commission: Retirement Credit