Vermont Paycheck Calculator 2026 – Salary & Take-Home Pay

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How your Vermont paycheck is calculated

Your employer starts with your gross pay, removes pre-tax benefits, withholds federal and Vermont income tax, the Child Care Contribution, Social Security and Medicare, takes after-tax deductions and pays you the rest.

1. Gross paySalary, or hours × rate, plus overtime, bonuses and tips
2. Pre-tax deductions401(k), health premiums, HSA, FSA, commuter benefits
3. TaxesFederal income tax, Vermont income tax, Child Care Contribution, Social Security and Medicare
4. After-tax deductionsRoth 401(k), union dues, garnishments
5. Net payThe take-home amount paid to you

What is taken out of a Vermont paycheck in 2026

Vermont income tax brackets for 2026

Single and joint brackets match the 2026 Vermont withholding tables; married filing separately uses half the joint amounts. For 2025 the single brackets ended at $49,400, $119,700 and $249,700 (2025 Vermont rate schedules).

Vermont standard deduction and personal exemption

Filers who are 65 or older or blind add $1,250 each. You also subtract a personal exemption for yourself, your spouse and every dependent: $5,300 in 2025 and $5,400 in 2026, the same as the 2026 withholding allowance. Vermont publishes the 2026 standard deduction with the tax forms early next year, so the calculator uses the 2025 amounts raised by the same inflation factor as the brackets. Vermont does not allow itemized deductions. Instead it offers a 5% credit for charitable gifts.

A single filer earning $100,000 has $86,750 of Vermont taxable income in 2026. The tax is $1,700 on the first $50,750 plus 6.6% of the rest, or $4,076, about 4.1% of gross pay. If your AGI is over $150,000, Vermont tax can't be less than 3% of AGI (Vermont rate schedule instructions), which matters mainly when large deductions shrink your taxable income.

The Vermont Child Care Contribution

Since July 1, 2024, Vermont employers pay a Child Care Contribution of 0.44% of wages, filed with their income tax withholding. Employers may deduct up to a quarter of it, or 0.11% of your wages, from your pay (OnPay summary). There is no wage cap, so on a $100,000 salary the most you can be charged is $110 a year. The calculator uses the full 0.11%; if your employer pays the whole contribution, your take-home pay is slightly higher.

Tips, overtime and the senior deduction in Vermont

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), and raised the federal standard deduction. Those deductions are taken after federal AGI, and Vermont starts from AGI, so they do not flow through to Vermont (Vermont Joint Fiscal Office). Tips and overtime are fully taxed by Vermont, and the calculator applies the deductions to federal tax only.

Federal taxes on every Vermont 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 Vermont for 2026

These results come from the calculator above for a single filer paid monthly, with no pre-tax deductions and the 0.11% Child Care Contribution:

A married couple filing jointly on $150,000 of combined pay takes home about $117,622 a year (21.6% in total taxes). With two children under 17, a couple earning $100,000 takes home about $86,900. An hourly worker on $25 an hour, 40 hours a week, earns $52,000 and takes home about $42,607 a year, or $3,551 a month.

Vermont take-home pay compared with nearby states

On a $100,000 salary, a single filer keeps about $74,994 in Vermont, $74,040 in Massachusetts (including paid leave), $73,876 in New York outside New York City and about $79,180 in New Hampshire, which does not tax wages. Compare with our New Hampshire, Massachusetts and New York paycheck calculators.

Live in Vermont and work in New Hampshire? New Hampshire does not tax wages, but Vermont taxes all of a resident's income, so your full pay is subject to Vermont tax. Ask your employer to withhold Vermont tax, or make estimated payments. New Hampshire residents who work in Vermont pay Vermont tax on those wages. If you live in Vermont and work in New York or Massachusetts, you pay that state's tax on your wages and claim a credit for it on your Vermont return.

Paychecks in Burlington, South Burlington and Rutland

Vermont has no city or county income tax, so the calculator gives the same result in Burlington, South Burlington, Rutland, Essex, Colchester, Montpelier, Barre and everywhere else in the state.

How bonuses, overtime and tips are taxed in Vermont

• Bonuses: Employers usually withhold a flat 22% federal tax on bonuses paid separately, plus Vermont tax, Social Security, Medicare and the Child Care Contribution. Your real tax is settled when you file. On a $100,000 salary you keep about $6,364 of a $10,000 bonus. See the bonus tax calculator.
• Overtime: Vermont requires 1.5 times the regular rate for hours over 40 in a workweek, though the state law exempts some jobs, such as many in hotels, restaurants and retail, where federal overtime rules may still apply. The federal overtime deduction does not lower your Vermont tax. See the overtime calculator.
• Tips: Vermont allows tipped service workers to be paid half the minimum wage, $7.21 an hour in 2026, if tips make up the rest. Tips are deductible from federal tax, but fully taxed by Vermont. A single worker with $40,000 in wages and $15,000 in tips takes home about $46,713 a year.

How pre-tax deductions lower your Vermont taxes

Salary or hourly pay in Vermont

For hourly pay, multiply your rate by your weekly hours and by 52. A full-time year is 2,080 hours. Vermont's minimum wage is $14.42 an hour in 2026 and rises with inflation each January (U.S. Department of Labor). A single full-time worker on $14.42 an hour earns $29,994 and takes home about $25,686 a year.

When you leave a job, Vermont employers must pay final wages within 72 hours if you are let go, or by the next regular payday if you quit.

Why your actual paycheck may differ from this estimate

• This calculator estimates your tax for the full year. Employers withhold using the Vermont withholding tables and the allowances on your W-4VT ($5,400 each in 2026), which can give a slightly different result.
• Your employer may pay all of the Child Care Contribution; check your pay stub.
• Credits such as the Vermont child tax credit ($1,000 for each child aged 5 or under, phased out above $125,000 of AGI), the earned income credit and the charitable credit are claimed when you file.
• 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 Vermont

• Check your federal withholding with the IRS Tax Withholding Estimator and update your W-4 and Vermont W-4VT after a raise, a new job or a change in your family.
• Use pre-tax benefits such as a 401(k), HSA, FSA and commuter benefits. Each dollar saves federal tax and up to 8.75% Vermont tax.
• If you have young children, check whether you qualify for the Vermont child tax credit and the earned income credit when you file.

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 2025 and 2026 Vermont brackets, standard deduction, personal exemptions and 3% minimum tax, the Vermont Child Care Contribution 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.