Montana Paycheck Calculator

Calculate your take-home pay per paycheck for salary and hourly jobs after federal & Montana taxes

Updated for 2025 tax year on Feb 14, 2025

Calculate your paycheck in these states

How to calculate your Montana paycheck

Overview of Montana

Montana has a population of over 1 million (2019). It is nicknamed the Treasure State due to its rich deposits of minerals, including gold, silver, copper, lead, zinc, coal, and oil.

Brief summary:

• the income tax rate ranges from 4.7% to 5.9%
• no state-level payroll tax
• has standard deduction and exemptions

Understanding your Montana paycheck

Understanding your Montana paycheck is vital for managing your finances. Your paycheck is affected by federal and state tax laws and various pre-tax and post-tax deductions. In this article, we’ll break down the critical components of a Montana paycheck.

Your Montana paycheck will have federal income taxes withheld based on the Internal Revenue Service (IRS) guidelines. The amount of federal tax withheld depends on your income, filing status, and allowances claimed on your Form W-4. In addition, you’ll also pay Social Security and Medicare taxes. These FICA taxes are split between you and your employer.

For self-employed, you will pay the full amount of FICA tax. This is known as the Self-Employment Contributions Act (SECA) tax.

When starting a new job, you must complete a Form W-4 to indicate your tax withholding preferences. Your employer will use this information to determine the correct federal income tax withholdings from your paycheck. Your pay frequency (weekly, biweekly, or monthly) will also impact the amount of tax withheld.

Your marital status affects your tax bracket and the taxes withheld from your paycheck. Married individuals filing jointly typically enjoy lower tax rates than single filers. Pre-tax deductions can also reduce your taxable income and lower your overall tax liability.

Montana levies a state income tax with rates ranging from 1% to 6.9%. This tax is withheld from your paycheck in addition to federal income taxes.

Montana has a state standard deduction, less than the federal amount. The state also allows the claiming of personal exemptions to reduce your tax liability.

After all applicable taxes have been withheld, post-tax deductions are taken from your paycheck. These deductions include contributions to Roth retirement accounts, life insurance premiums, or wage garnishments for debts or child support. Because these deductions are taken after taxes, they do not reduce your taxable income.

Calculate your Montana paycheck

Calculating your Montana state income tax is similar to the steps we listed on our main paycheck calculator page:

1. Determine your gross income
   • Annual salary
     Annual salary = Gross income
   • Hourly wage
     Hourly wage × Hours worked per day × Days worked per week × Weeks worked per year = Your weekly paycheck
2. Work out your total federal income tax
   1. Gross income adjusted
      Gross income − Pre-tax deductions = Gross income adjusted
   2. Federal taxable income
      Gross income adjusted − Federal standard/itemized deductions = Federal taxable income
   3. Federal income tax liability
      Federal taxable income × Federal income tax rate = Federal income tax liability
   4. Federal payroll tax liability
      Gross income × Federal payroll tax rate = Federal payroll tax liability
3. Calculate your total Montana state income tax
   1. Montana state taxable income
      Gross income adjusted − (Montana state standard/itemized deductions + Montana state exemptions) = Montana state taxable income
   2. Montana state income tax liability
      Montana state taxable income × Montana state income tax rate = Montana state income tax liability
4. Figure out your net pay
   You need to account for any other deductions such as health insurance, 401(k) contribution, as well as additional withholdings.
   Gross income − (Total income tax liability + Total payroll tax liability + Total pre-tax deductions + Total post-tax deductions + Total withholdings) = Your net pay
5. Divide your net pay by your pay frequency
   
   • Daily
     Your net pay / Days worked per week / Weeks worked per year = Your daily paycheck
   • Weekly
     Your net pay / 52 = Your weekly paycheck
   • Bi-weekly
     Your net pay / 26 = Your bi-weekly paycheck
   • Semi-monthly
     Your net pay / 24 = Your semi-monthly paycheck
   • Monthly
     Your net pay / 12 = Your monthly paycheck
   • Quarterly
     Your net pay / 4 = Your quarterly paycheck
   • Semi-annual
     Your net pay / 2 = Your semi-annual paycheck
   • Annual
     Your net pay = Your annual paycheck

State income tax brackets

Refer to Tax Foundation for more details.

State standard deduction

State exemptions

There are state-level exemptions for all types of filers and dependents. Refer to Tax Foundation for more details.

FAQs