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 a flat 5.9% state income tax on all taxable income in 2026. State standard deduction: $14,600 single / $29,200 married. Plus federal income tax (10%-37% across 7 brackets) and FICA (Social Security 6.2%, Medicare 1.45%). Property tax averages 0.74% and sales tax averages 0%. Flat 5.9% since 2024. No sales tax. Uses federal standard deduction. Capital gains credit for MT gains.
Montana Income Tax Calculator
Pre-filled with Montana median: $60,560
Your Total Tax Burden
$12,573
Take-Home: $47,987 · Effective Rate: 20.8%
Federal Tax
$5,229
8.6% eff.
MT State Tax
$2,712
4.5% eff.
FICA
$4,633
7.6% eff.
Take-Home
$47,987
79.2% kept
Tax Breakdown
Montana Tax Bracket Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $60,560.00 | $5,046.67 |
| Federal Income Tax | -$5,228.70 | -$435.72 |
| Montana State Tax | -$2,711.64 | -$225.97 |
| Social Security (6.2%) | -$3,754.72 | -$312.89 |
| Medicare (1.45%) | -$878.12 | -$73.18 |
| Take-Home Pay | $47,986.82 | $3,998.90 |
Marginal Tax Rate
5.9%
MT state only
Effective Tax Rate
20.8%
All taxes combined
Montana Tax System Overview
Montana has a flat 5.9% income tax and is one of five states with no sales tax. Uses the federal standard deduction. Offers a capital gains credit for Montana-sourced gains. Property taxes are moderate at 0.74%.
Top Income Tax
5.9%
Property Tax
0.74%
Sales Tax (Avg)
None
Median Income
$60,560
Other Taxes in Montana
Capital Gains Tax
Taxed as regular income; capital gains credit for MT assets
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.
Filing Tips for Montana
No sales tax saves on all purchases. Federal standard deduction applies. Use Montana's capital gains credit on MT-sourced gains. Compare to nearby no-income-tax states.
- Maximize pre-tax contributions to 401(k) ($23,500 limit in 2026, $31,000 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% | $2,712 | — |
| North Dakota | 1.95% | $896 | Save $1,815 |
| South Dakota | None | $0 | Save $2,712 |
| Wyoming | None | $0 | Save $2,712 |
| Idaho | 5.8% | $2,666 | Save $46 |
Explore All 50 State Tax Calculators
Compare income tax rates, property taxes, and sales taxes across all US states and DC.
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Frequently Asked Questions
What is the income tax rate in Montana?
Montana has a flat income tax rate of 5.9%. This means all taxable income is taxed at the same rate regardless of how much you earn. Flat 5.9% since 2024. No sales tax. Uses federal standard deduction. Capital gains credit for MT gains.
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 $2,712 in state income tax (effective rate of 4.5%). This is after the state standard deduction of $14,600.
Does Montana tax capital gains?
Taxed as regular income; capital gains credit for MT assets. 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 (1.95% 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?
Montana state income tax returns are due April 15, 2026 (matching the federal deadline). If April 15 falls on a weekend or holiday, the deadline shifts to the next business day. Extensions: Montana typically grants automatic 6-month extensions to October 15, 2026, but tax owed must still be paid by April 15 to avoid penalties.
Does Montana tax retirement income, Social Security, and pensions?
Montana taxes retirement income with state-specific exclusions. Social Security: only 11 states tax SS benefits in 2026 (CO, CT, KS, MN, MT, NM, RI, UT, VT, WV, MO partially); Montana's treatment varies. Pensions and 401(k)/IRA withdrawals are generally taxable as ordinary income at 5.9% top rate, with possible exclusions for federal/military pensions or low-income seniors. Check Montana's 2026 retirement income exclusion thresholds.
What deductions and credits are unique to Montana in 2026?
Montana offers standard deduction of $14,600 (single) / $29,200 (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.