Use this free Utah paycheck calculator to see your 2026 take-home pay from a salary or an hourly wage. It shows every deduction: federal income tax, Utah income tax, Social Security and Medicare, per paycheck and per year, for Salt Lake City, Provo, Ogden, St. George and everywhere else in the state.
How Utah Paycheck Taxes Work: 2026 Guide
Updated for 2026. Utah cut its flat income tax rate for the sixth year in a row, from 4.5% to 4.45%, under SB 60, retroactive to January 1, 2026. Utah has no standard deduction of its own. Instead, a taxpayer tax credit refunds 6% of your federal standard deduction and dependent exemptions, and it shrinks as income rises. Utah did not adopt the federal tips, overtime or senior deductions, and there is no local income tax. The minimum wage is the federal $7.25. Every figure on this page comes from the Utah State Tax Commission, the Utah Legislature, the IRS or SSA.
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How your Utah paycheck is calculated
Your employer starts with your gross pay, removes pre-tax benefits, withholds federal and Utah income tax, Social Security and Medicare, takes after-tax deductions and pays you the rest.
- Gross paySalary, or hours × rate, plus overtime, bonuses and tips
- Pre-tax deductions401(k), health premiums, HSA, FSA, commuter benefits
- TaxesFederal income tax, Utah income tax, Social Security and Medicare
- After-tax deductionsRoth 401(k), union dues, garnishments
- Net payThe take-home amount paid to you
What is taken out of a Utah paycheck in 2026
| Deduction | 2026 rate | Applies to |
|---|---|---|
| Federal income tax | 10% to 37% by bracket | Taxable wages after the federal standard deduction |
| Utah income tax | 4.45% flat, minus the taxpayer tax credit | Federal adjusted gross income |
| Social Security | 6.2% | Wages up to $184,500 |
| Medicare | 1.45%, plus 0.9% over $200,000 | All wages |
| State disability, family leave or unemployment | None | Utah has no employee payroll contributions |
| City or county income tax | None | No local income tax anywhere in Utah |
Utah income tax rate for 2026
Utah taxes all income at one rate: 4.45% for 2026, down from 4.5% in 2025 (SB 60). It was 4.95% as recently as 2021. Utah starts from your federal adjusted gross income, so traditional 401(k) contributions, health premiums, HSA and FSA contributions lower your Utah tax too.
The Utah taxpayer tax credit
Utah does not subtract a standard deduction. Instead, it gives a credit worth 6% of your federal standard (or itemized) deduction plus a personal exemption for each dependent (Utah Code 59-10-1018). The credit shrinks by 1.3 cents for each dollar of income above a base amount:
| Filing status | 2026 credit before phase-out | Phase-out starts (2025) | Phase-out starts (2026, est.) | Credit gone at (2026) |
|---|---|---|---|---|
| Single | $966 | $18,213 | $18,696 | about $93,000 |
| Head of household | $1,449 | $27,320 | $28,044 | about $139,500 |
| Married filing jointly | $1,932 | $36,426 | $37,392 | about $186,000 |
Each dependent adds 6% of the personal exemption, $2,111 per dependent for 2025 (Utah State Tax Commission). The 2026 exemption and base amounts have not been published yet; the calculator estimates them at $2,167 and the amounts above, in line with the 2026 withholding tables. While the credit is phasing out, each extra dollar of income costs 4.45% plus 1.3%, or 5.75%.
A single filer earning $50,000 pays 4.45% of $50,000, or $2,225, minus a credit of $966 reduced by 1.3% of the $31,304 above $18,696 ($407). The credit is $559 and the tax is $1,666, about 3.3% of gross pay. At $100,000 the credit is gone and the tax is a flat $4,450.
Tips, overtime and the senior deduction in Utah
The federal tax law passed in July 2025 created deductions for tips (up to $25,000), overtime pay (up to $12,500, or $25,000 for joint filers) and seniors ($6,000). They are taken after federal adjusted gross income, and Utah starts from federal adjusted gross income, so they do not lower Utah tax. The Utah State Tax Commission confirms they have no effect on the Utah return. The calculator applies them to federal tax only.
Federal taxes on every Utah paycheck
Federal income tax depends on your income, filing status and the choices on your W-4. For 2026 the brackets run from 10% to 37%, and the standard deduction is $16,100 for single filers, $32,200 for joint filers and $24,150 for heads of household (IRS).
- Social Security: 6.2% of wages up to $184,500 in 2026, a maximum of $11,439 (SSA).
- Medicare: 1.45% of all wages. Employers also withhold an extra 0.9% on wages above $200,000 in a year.
Take-home pay examples in Utah for 2026
These results come from the calculator above for a single filer paid monthly, with no pre-tax deductions:
| Salary | Federal tax | UT tax | Social Security + Medicare | Take-home per year | Per month | Total tax rate |
|---|---|---|---|---|---|---|
| $50,000 | $3,820 | $1,666 | $3,825 | $40,689 | $3,391 | 18.6% |
| $60,000 | $5,020 | $2,241 | $4,590 | $48,149 | $4,012 | 19.8% |
| $75,000 | $7,670 | $3,103 | $5,738 | $58,489 | $4,874 | 22.0% |
| $100,000 | $13,170 | $4,450 | $7,650 | $74,730 | $6,228 | 25.3% |
| $150,000 | $24,734 | $6,675 | $11,475 | $107,116 | $8,926 | 28.6% |
| $200,000 | $36,734 | $8,900 | $14,339 | $140,027 | $11,669 | 30.0% |
A married couple filing jointly on $150,000 of combined pay takes home about $116,978 a year (22.0% in total taxes). With two children under 17, a couple earning $100,000 takes home about $86,038. An hourly worker on $25 an hour, 40 hours a week, earns $52,000 and takes home about $42,181 a year, or $3,515 a month. Under the 2025 rate of 4.5%, the single filer on $100,000 paid $4,500 in Utah tax; in 2026 it is $4,450.
Where a $75,000 Utah salary goes in 2026
Single filer, no pre-tax deductions, yearly amounts
Source: Digicalcy calculation using 2026 IRS, SSA and Utah State Tax Commission rates.
Utah take-home pay compared with nearby states
On a $100,000 salary, a single filer keeps about $74,730 in Utah, $75,048 in Colorado (including FAMLI), $77,083 in Arizona and $79,180 in Nevada and Wyoming, which have no income tax on wages. Compare with our Colorado, Arizona and Nevada paycheck calculators.
Live in one state and work in Utah? Utah has no reciprocity agreements. Nonresidents pay Utah tax on wages earned in Utah, and their home state usually gives a credit for it. Residents of Nevada and Wyoming have no home-state tax to offset it.
Paychecks in Salt Lake City, Provo and St. George
Utah has no city or county income tax, so the calculator gives the same result in Salt Lake City, West Valley City, Provo, Orem, Ogden, St. George and everywhere else in the state.
How bonuses, overtime and tips are taxed in Utah
- Bonuses: Employers usually withhold a flat 22% federal tax and the flat 4.45% Utah rate on bonuses, plus Social Security and Medicare. Your real tax is settled when you file. On a $100,000 salary you keep about $6,590 of a $10,000 bonus. See the bonus tax calculator.
- Overtime: Utah has no state overtime law, so the federal rule applies: 1.5 times the regular rate for hours over 40 in a workweek. The federal overtime deduction does not lower your Utah tax. See the overtime calculator.
- Tips: Employers may pay tipped workers $2.13 an hour if tips bring them to at least $7.25. Tips are deductible from federal tax, but fully taxed by Utah. A single worker with $40,000 in wages and $15,000 in tips takes home about $46,219 a year.
How pre-tax deductions lower your Utah taxes
| Deduction | Federal income tax | UT income tax | Social Security and Medicare |
|---|---|---|---|
| Traditional 401(k), 403(b), 457 | Lowers | Lowers | No change |
| Health, dental and vision premiums | Lowers | Lowers | Lowers |
| HSA through payroll | Lowers | Lowers | Lowers |
| Health and dependent care FSA | Lowers | Lowers | Lowers |
A $10,000 401(k) contribution on a $100,000 Utah salary
Single filer, 2026, yearly amounts
The contribution saves $2,684 in income tax, so take-home pay falls by only $7,316.
Salary or hourly pay in Utah
For hourly pay, multiply your rate by your weekly hours and by 52. A full-time year is 2,080 hours. Utah's minimum wage matches the federal minimum of $7.25 an hour (U.S. Department of Labor). A single full-time worker on $7.25 earns $15,080, owes no Utah tax because the taxpayer credit covers it, and takes home about $13,926 a year.
If you are fired, Utah employers must pay your final wages within 24 hours. If you quit, they are due on the next regular payday.
Why your actual paycheck may differ from this estimate
- This calculator estimates your tax for the full year. Employers withhold using Utah's withholding formula (4.45% minus a base allowance of $485 single or $970 married, reduced by 1.3% of wages above $9,348 or $18,696), so each check can be a little higher or lower.
- The Utah child tax credit ($1,000 for each child under 6, phased out above $49,000 single or $61,000 joint income in 2026), the earned income credit and the Social Security benefits credit are claimed when you file.
- Utah taxes the same wages as the federal return starts with, so any federal adjustments, such as the student loan interest deduction, also lower Utah income.
- Social Security stops once your wages pass $184,500, so late-year paychecks of high earners are larger.
How to increase your take-home pay in Utah
- Check your withholding with the IRS Tax Withholding Estimator and update your W-4 after a raise, a new job or a change in your family. Utah uses the federal W-4 for state withholding.
- Use pre-tax benefits such as a 401(k), HSA, FSA and commuter benefits. Each dollar saves federal tax and 4.45% Utah tax, or 5.75% while the taxpayer credit is phasing out.
- Contribute to a my529 account: Utah gives a 4.45% credit on contributions up to the yearly limit.
How this calculator works
The calculator estimates your full-year tax and divides it by your pay periods. It uses the 2026 federal brackets and standard deduction (Rev. Proc. 2025-32, including the 2025 tax law changes), the Utah flat rate (4.5% for 2025, 4.45% for 2026), the Utah taxpayer tax credit with its phase-out, and the 2026 Social Security wage base. For joint filers, enter combined household wages. Results are estimates, not tax advice.
Last reviewed: October 29, 2026.
Utah Paycheck Calculator FAQs
How much is $100,000 after taxes in Utah?
A single filer earning $100,000 in Utah takes home about $74,730 a year in 2026, or $6,228 a month. That is after $13,170 federal income tax, $4,450 Utah income tax and $7,650 Social Security and Medicare.
What percentage of my paycheck goes to taxes in Utah?
For a single filer in 2026, total taxes take about 18.6% of a $50,000 salary, 22.0% of $75,000, 25.3% of $100,000 and 28.6% of $150,000. That includes federal and Utah income tax, Social Security and Medicare.
What is the Utah state income tax rate?
Utah has a flat income tax rate of 4.45% for 2026, down from 4.5% in 2025. A taxpayer tax credit lowers the tax for low and middle incomes; it is gone for single filers above about $93,000.
How much is $60,000 after taxes in Utah?
A single filer earning $60,000 in Utah takes home about $48,149 a year in 2026, or $4,012 a month, after $5,020 federal tax, $2,241 Utah tax and $4,590 Social Security and Medicare.
Does Utah have a standard deduction?
No. Utah uses a taxpayer tax credit instead: 6% of your federal standard deduction plus dependent exemptions, reduced by 1.3 cents for each dollar of income above about $18,700 for single filers in 2026.
Does Utah tax tips and overtime?
Yes. The federal tips and overtime deductions do not change federal adjusted gross income, which is where Utah starts, so tips and overtime are fully taxed by Utah.
Is a Utah salary calculator the same as a paycheck calculator?
Yes. This calculator works as both. Enter an annual salary or an hourly rate and hours, and it shows take-home pay per paycheck and per year.
What is the minimum wage in Utah in 2026?
Utah's minimum wage is $7.25 an hour, the same as the federal minimum. Tipped workers can be paid $2.13 an hour if tips make up the difference.
How is overtime paid in Utah?
Utah follows federal law: 1.5 times the regular rate for hours over 40 in a workweek. There is no daily overtime.
More paycheck and tax calculators
- Colorado Paycheck Calculator: take-home pay with state tax and FAMLI
- Arizona Paycheck Calculator: take-home pay with the flat 2.5% tax
- Nevada Paycheck Calculator: take-home pay with no state income tax
- Oregon Paycheck Calculator: take-home pay with Oregon income tax and Paid Leave
- Overtime Calculator: time and a half pay
- Bonus Tax Calculator: how much of a bonus you keep
- Federal Tax Withholding Calculator: check your W-4