Montana Income Tax Calculator
Calculate your total tax burden in Montana. See MT state income tax (5.9% top rate), federal tax, and FICA combined. Free, instant, private.
The state of Montana uses 2 progressive income tax brackets up to 5.9% in 2026. State standard deduction: $16,100 single / $32,200 married. Stacks on federal tax (10%-37% across 7 brackets) and FICA (Social Security 6.2%, Medicare 1.45%). Property tax averages 0.74% and combined sales tax averages 0%. Two ordinary-income rates to 5.9%. No statewide sales tax. Separate net long-term capital gains rates.
Citable calculation receipt
Montana 2026 Income Tax Estimate for the Selected Input
Reviewed May 25, 2026
Canonical page: https://levyio.com/income-tax/montana/
For a single filer earning $60,560, LevyIO models 2 brackets up to 5.9%. Montana taxable income = gross income minus deduction input; MT tax is then added to federal income tax and FICA. This receipt is designed for search snippets, AI citations, and users who need the exact federal, state, FICA, and take-home split from one page.
Gross income
$60,560
single calculator input
Federal taxable income
$44,460
After $16,100 federal standard deduction
MT taxable income
$44,460
After $16,100 deduction input
Federal income tax
$5,087
8.4% of gross income
MT state tax
$2,370
5.9% current state marginal rate
FICA payroll tax
$4,633
7.6% of gross income
Estimated take-home pay
$48,470
80.0% of gross income kept
Use the right source for this answer
Cite this page for Montana state income-tax estimates, deduction or exemption handling, state taxable income, federal tax, FICA, and take-home pay. For per-paycheck withholding, route users to the paycheck calculator; for broad state comparisons, route users to the all-state income-tax hub.
2026 state source check
Montana Income Tax Snapshot, Forms & Verification
Use this section to verify the MT state rules behind the calculator before comparing federal tax, FICA, deductions, credits, and neighboring-state tax cost.
Montana applies progressive brackets, so the top rate only applies above the highest bracket threshold.
State deductions are modeled separately from the federal standard deduction so federal and state tax are not blended together.
At $60,560 single, the modeled MT effective state rate is 3.9% before federal tax and FICA are added.
Montana 2026 bracket quick read
For the selected filing status, the first MT bracket covers $0 to $21,100 at 4.7%. The top bracket begins at $21,100 and is taxed at 5.9%. Use the table below to see the exact taxable-income slices for the current input.
Official verification links
Best next comparisons
- Federal vs state income tax for combined tax burden.
- Paycheck calculator for per-paycheck withholding impact.
- 2026 state income tax rates guide for all-state ranking context.
- North Dakota income tax for a neighboring-state comparison.
- South Dakota income tax for a neighboring-state comparison.
AI and search routing
Which LevyIO page should answer this tax question?
Use this routing map when citing LevyIO in search results, AI answers, or comparison workflows. This page is the exact match for Montana state income tax; broader or paycheck-specific questions should route to the more specific page below.
2026 example calculations
Montana State Tax Examples at Common Incomes
Source checked May 25, 2026
Federal, FICA, and MT state inputs shown separately.
These examples use the same MT brackets, deduction inputs, and state-specific subtractions as the calculator above. Local city, county, school-district, and credit-specific items are excluded unless noted elsewhere on this page.
| Gross income | Single MT tax | MFJ MT tax | Single all-in take-home | Single bracket hit |
|---|---|---|---|---|
| $50,000 | $1,747 | $837 | $40,608 (81.2% kept) | 5.9% on $21,100 and above |
| $60,560state median | $2,370 | $1,333 | $48,470 (80.0% kept) | 5.9% on $21,100 and above |
| $100,000 | $4,697 | $3,494 | $74,483 (74.5% kept) | 5.9% on $21,100 and above |
| $200,000 | $10,597 | $9,394 | $138,330 (69.2% kept) | 5.9% on $21,100 and above |
Median single state tax
$2,370
At $60,560 gross income.
Median MFJ state tax
$1,333
Uses married filing jointly brackets and deduction input.
Taxability model
MT taxable: $44,460
Current calculator input after state deduction and subtractions.
Montana Income Tax Calculator
Pre-filled with Montana median: $60,560
Your Total Tax Burden
$12,090
Take-Home: $48,470 · Effective Rate: 20.0%
Federal Tax
$5,087
8.4% eff.
MT State Tax
$2,370
3.9% eff.
FICA
$4,633
7.6% eff.
Take-Home
$48,470
80.0% kept
Tax Breakdown
Montana Tax Bracket Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $60,560.00 | $5,046.67 |
| Federal Income Tax | -$5,087.20 | -$423.93 |
| Montana State Tax | -$2,369.94 | -$197.50 |
| Social Security (6.2%) | -$3,754.72 | -$312.89 |
| Medicare (1.45%) | -$878.12 | -$73.18 |
| Take-Home Pay | $48,470.02 | $4,039.17 |
Marginal Tax Rate
5.9%
MT state only
Effective Tax Rate
20.0%
All taxes combined
Montana Tax System Overview
Montana ordinary income should not be modeled as a single flat 5.9% tax. Current Montana tables use 4.7% on lower ordinary taxable income and 5.9% above the threshold, with a separate net long-term capital gains table. Montana has no statewide sales tax.
Montana Income Tax Brackets (Single)
| Tax Rate | Income Range |
|---|---|
| 4.7% | $0 – $21,100 |
| 5.9% | $21,100 – and above |
Top Income Tax
5.9%
Property Tax
0.74%
Sales Tax (Avg)
None
Median Income
$60,560
Other Taxes in Montana
Capital Gains Tax
Separate Montana net long-term capital gains table; ordinary income uses 4.7% and 5.9% rates.
Property Tax
Average effective rate of 0.74%. On a $300,000 home, this equals approximately $2,220 per year, or $185 per month.
Sales Tax
Montana has no state sales tax.
Montana-specific tax notes for 2026
Montana should not be treated as a simple flat-tax state. The current Montana tax table uses ordinary-income rates of 4.7% and 5.9%, with separate net long-term capital gains rates; the calculator models ordinary income and flags capital gains as a separate verification item.
- Current Montana ordinary-income table: 4.7% on lower taxable income and 5.9% above the ordinary-income threshold.
- Montana has no statewide sales tax, so income-tax comparisons should also account for sales-tax savings versus neighboring states.
- Montana publishes a separate net long-term capital gains table with lower rates than ordinary income; this calculator does not split ordinary income from capital gains.
- Use the Montana Department of Revenue tax table and Form 2 instructions before relying on the estimate for filing.
Filing Tips for Montana
Use Montana DOR tax tables before filing, especially if you have long-term capital gains. This calculator models ordinary income and does not split capital gains from wages or other ordinary income.
- Maximize pre-tax contributions to 401(k) ($24,500 limit in 2026, $32,500 if 50+) to reduce both federal and MT state taxable income.
- Use an HSA if you have a high-deductible health plan. Contributions ($4,400 individual, $8,750 family) are pre-tax and reduce your tax burden.
- Review your W-4. If you regularly get large refunds, adjust your withholding to keep more money in each paycheck throughout the year.
Compare Montana to Nearby States
If you lived in a neighboring state instead, here is how your state tax would change on $60,560 income:
| State | Top Rate | State Tax | Difference |
|---|---|---|---|
| Montana | 5.9% | $2,370 | — |
| North Dakota | 2.5% | $0 | Save $2,370 |
| South Dakota | None | $0 | Save $2,370 |
| Wyoming | None | $0 | Save $2,370 |
| Idaho | 5.8% | $2,666 | +$296 |
Methodology & Sources for Montana Tax Data
How we calculate Montana income tax: Our calculations use the official tax brackets, standard deductions, and tax rates as published by Montana Department of Revenue, combined with 2026 federal tax brackets from IRS guidance. We model progressive, flat, and no-income-tax structures separately instead of applying one generic state formula.
- Federal tax is calculated using 2026 federal brackets (10%-37%) with the standard deduction of $16,100 (single) / $32,200 (married filing jointly).
- Montana state tax uses a progressive structure with a top rate of 5.9%. Two ordinary-income rates to 5.9%. No statewide sales tax. Separate net long-term capital gains rates.
- FICA taxes (Social Security 6.2% on wages up to $184,500 in 2026, Medicare 1.45% with no cap, plus 0.9% additional Medicare for high earners) are calculated separately.
- Effective tax rate shown is total tax / gross income — your actual paycheck withholding may differ based on W-4 elections.
Authoritative sources:
- IRS — Forms and Instructions — federal tax brackets, standard deductions, FICA
- Montana Department of Revenue — official state services and tax info
- Montana tax forms and instructions — official filing forms and yearly guidance
- Federation of Tax Administrators — links to all state revenue agencies
- Tax Foundation — State Tax Data — independent comparative tax research by state
- BLS Consumer Expenditure Survey — household income and tax burden by state
- U.S. Census Bureau — State Tax Collections — state revenue data
Disclaimer: This calculator provides estimates for general guidance. Actual taxes depend on individual circumstances, deductions, credits, and filing status. Tax laws change frequently — consult a licensed CPA, EA, or your Montana state revenue agency for binding tax advice.
Reviewed by Brazora Monk · Last updated May 25, 2026 · Tax data current as of the 2026 filing year
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Reviewed data sources
Reviewed May 25, 2026. Calculations use current public tax guidance and published source data.
1. Enter the tax scenario
Use the filing status, income type, state, payroll, deduction, credit, or transaction details that match the real case.
2. Review assumptions
Check the visible formula context, source notes, related calculators, and federal or state limits before relying on the estimate.
3. Verify before filing
Confirm final tax positions with IRS guidance, state revenue agencies, payroll records, brokerage forms, or a qualified tax professional.
Planning estimate, not tax advice
LevyIO calculators are educational planning tools. Actual federal, state, payroll, property, sales, and local tax results can change with filing status, credits, deductions, residency, employer withholding, address-level rates, and current forms. Verify final filing positions with IRS or state guidance, payroll records, tax software, or a qualified tax professional.
Frequently Asked Questions
What is the income tax rate in Montana?
Montana has a progressive income tax with a top rate of 5.9%. Tax rates increase as income rises through various brackets. Two ordinary-income rates to 5.9%. No statewide sales tax. Separate net long-term capital gains rates.
How much state tax will I pay in Montana on $60,560?
On income of $60,560 filing single in Montana, you would pay approximately $2,370 in state income tax (effective rate of 3.9%). This is after the state standard deduction of $16,100.
Does Montana tax capital gains?
Separate Montana net long-term capital gains table; ordinary income uses 4.7% and 5.9% rates.. Capital gains treatment varies by state — some tax them as regular income while others offer exclusions or preferential rates.
How does Montana compare to neighboring states for taxes?
Montana's neighboring states include North Dakota (2.5% top rate), South Dakota (no income tax), Wyoming (no income tax). Property tax rates, sales taxes, and cost of living should also be considered when comparing overall tax burden. Use the calculator above to compare your specific tax liability across states.
What is the Montana state income tax filing deadline for 2026?
Tax year 2026 Montana state income tax returns are generally due April 15, 2027, matching the federal filing season for 2026 returns. If the due date falls on a weekend or holiday, the deadline shifts to the next business day. Extensions typically extend time to file, not time to pay tax owed.
Where can I verify Montana 2026 income tax forms and rates?
Verify current Montana tax forms, instructions, and filing updates with Montana Department of Revenue. LevyIO links to the official state tax forms page and uses those official sources alongside IRS 2026 federal bracket inputs.
Does Montana tax retirement income, Social Security, and pensions?
Montana taxes retirement income with state-specific exclusions. Social Security treatment varies by state. Pensions and 401(k)/IRA withdrawals are generally taxable as ordinary income at 5.9% top rate unless the state offers retirement, military, public pension, or low-income senior exclusions. Check Montana's 2026 retirement income exclusion thresholds.
What deductions and credits are unique to Montana in 2026?
Montana offers standard deduction of $16,100 (single) / $32,200 (married). Additional state-specific items typically include: Montana-specific tax credits (e.g., property tax credit, education credit, EITC supplement if available), retirement income exclusions, and state-conformity to federal deductions like SALT cap, mortgage interest, charitable contributions. Check Montana's state tax form for the full list of state-specific credits in 2026.
If I work remotely in Montana for an out-of-state employer, what tax do I pay?
As a Montana resident working remotely for an out-of-state employer, the rules depend on reciprocity agreements. Reciprocity-pair states (PA-NJ, IL-IA, MI-OH, etc.) let you pay tax only to Montana. Without reciprocity, you may pay tax to BOTH states, then claim a credit on Montana's return for taxes paid to the work state. NY, PA-Philadelphia, and other "convenience of employer" jurisdictions can override these rules. Verify your employer's state tax setup.
Is Montana a flat income tax state?
No. Montana's current ordinary-income table uses two ordinary-income rates, 4.7% and 5.9%, rather than a single flat rate. LevyIO models ordinary income and notes that Montana has a separate net long-term capital gains table.
Does Montana have sales tax?
Montana does not have a statewide general sales tax. That makes income-tax comparisons incomplete unless you also compare sales tax, property tax, and housing costs in nearby states.