Utah salary paycheck calculator
How much do I take home in Utah on a $50k, $75k, or $100k salary?
- Utah has a flat 4.5% state income tax on every dollar of taxable income — no brackets, same rate for single, MFJ, MFS and head of household (Utah Code § 59-10-104, cut from 4.55% by S.B. 71 for 2025 forward).
- No city or county wage tax — Salt Lake City, Provo, Ogden, West Valley City, St. George, Lehi, Sandy and Orem all withhold $0 local income tax.
- No Utah state W-4. Employers withhold Utah tax from your federal Form W-4 using the Publication 14 schedules.
- Every check also carries federal income tax, Social Security (6.2% up to $184,500) and Medicare (1.45%, plus 0.9% above $200,000 single).
- The Utah taxpayer tax credit (§ 59-10-1018) lowers the effective rate for lower and middle incomes, phasing out at 1.3¢ per dollar above the threshold — so your true Utah rate is usually below 4.5%.
Sources: Utah Code § 59-10-104 (flat rate) · S.B. 71 (2025) — rate cut to 4.5% · Utah Pub. 14 — Withholding Tax Guide · Utah taxpayer tax credit (§ 59-10-1018) · IRS Pub. 15-T · SSA 2026 wage base
- 1Pay Details
- 2Your State
- 3Results
Step 1 — Your Pay
Step 2 — Your State
Your Estimated Take-Home Pay
Good salary benchmark — Utah
Your salary is below the Utah median. Negotiating a raise, switching roles, or relocating can help close the gap.
Paycheck Estimate — 2026
US State Paycheck Calculator · usstatepaycheckcalculator.com · Generated August 12, 2026
Inputs
| Gross pay | $65,000.00 / annual |
| Pay type | Salary |
| State | Utah |
| Filing status | Single |
| Allowances | 0 |
| 401(k) contribution | — |
| Health (pre-tax / period) | — |
| HSA (pre-tax / period) | — |
| Other pre-tax / period | — |
Results
Take-home — Utah
| Line item | Per annual | Annual |
|---|---|---|
| Gross pay | $65,000.00 | $65,000 |
| Federal income tax | −$5,620.00 | −$5,620 |
| State income tax | −$2,925.00 | −$2,925 |
| Social Security (6.2%) | −$4,030.00 | −$4,030 |
| Medicare (1.45% + 0.9% over threshold) | −$942.50 | −$943 |
| Pre-tax deductions | −$0.00 | −$0 |
| Net take-home | $51,482.50 | $51,483 |
Effective tax rate: 20.8% · Marginal federal: 12%
Estimate only — not tax or payroll advice. Based on 2026 IRS federal brackets, FICA rates (Social Security wage base $184,500), and the selected state's published tax rules. Excludes itemized deductions, household credits, local/city/county taxes, employee-paid SUI/SDI, garnishments, post-tax benefits, equity compensation, and bonus/special supplemental withholding.
Assumptions & Notes
These are the exact rules and constants used to produce your results — the same content included in the PDF report.
What this calculation covers
A quick snapshot of which tax categories are actually applied to your current inputs — and which are intentionally excluded.
- Federal income tax2026 IRS brackets (Rev. Proc. 2025-32) with standard deduction
- FICA — Social Security & Medicare6.2% up to $184,500 wage base + 1.45% + 0.9% Additional Medicare surtax
- Utah state income tax2026 published brackets or flat rate on wages after pre-tax deductions
- Itemized deductions (SALT, mortgage, charitable)Standard deduction always applied
- Tax credits (CTC, EITC, care, education, energy, ACA)Would reduce final tax owed
- Local / city / county income taxese.g. NYC, Philadelphia, Ohio localities
- Employee SUI / SDI / PFMLe.g. CA, NJ, NY, WA state disability & paid family leave
- Equity comp & supplemental bonus withholdingRSUs, ISOs, ESPP, 22% bonus rule
- Roth 401(k) & post-tax insuranceDoesn't reduce taxable wages but does reduce take-home
- Wage garnishments & child supportCourt-ordered withholdings from net pay
See the full excluded list — with per-item explanations — in "What's not modeled" below.
What's not modeled
Review the deductions, credits, and exemptions this estimator intentionally excludes — so you know what to double-check before relying on the numbers or downloading the PDF.
Where every dollar goes
| Line item | Per annual paycheck | Annual |
|---|---|---|
| Gross wages | $65,000.00 | $65,000 |
| Federal income tax | ||
Federal income tax (IRS brackets) Marginal bracket 12% · 2026 IRS Rev. Proc. 2025-32 | −$5,620.00 | −$5,620 |
| FICA payroll taxes | ||
Social Security (6.2%) 6.2% of FICA wages, up to $184,500 cap | −$4,030.00 | −$4,030 |
Medicare (1.45%) No wage cap — applies to every dollar of FICA wages | −$942.50 | −$943 |
Additional Medicare (0.9%) Not applicable — kicks in over $200,000 for Single | −$0.00 | −$0 |
| Total FICA | $4,972.50 | $4,973 |
| State income tax | ||
Utah state income tax Flat 4.50% on taxable wages | −$2,925.00 | −$2,925 |
| Total withholding | ||
| Total taxes + deductions | $13,517.50 | $13,518 |
| Net take-home pay | $51,482.50 | $51,483 |
Calculated using 2026 IRS federal brackets (Rev. Proc. 2025-32), the $184,500 Social Security wage base, a $16,100 standard deduction for Single, and the Utah 2026 state tax rules. Pre-tax 401(k) reduces federal taxable wages but is still subject to FICA; health and HSA contributions reduce both federal and FICA wages. Estimate only — not tax advice.
Utah paycheck taxes at a glance (2026)
- State income tax
- 4.5% flat (all income)
- Utah Code § 59-10-104 — identical for Single, MFJ, MFS, HoH
- Rate history
- 4.85% → 4.65% → 4.55% → 4.50%
- 2022 → 2023 → 2024 → 2025/2026 (S.B. 71, 2025)
- Local wage tax
- $0 in every Utah city
- Salt Lake City, Provo, Ogden, St. George, Lehi, Sandy, Orem — none
- State withholding form
- None — federal W-4 only
- Utah applies Pub. 14 schedules to your federal Form W-4
- Taxpayer tax credit
- Phases out at 1.3% of income
- § 59-10-1018 — replaces personal exemptions and lowers effective rate
- Social Security / Medicare
- 6.2% to $184,500 · 1.45%
- +0.9% Additional Medicare above $200k single / $250k MFJ
- State disability / PFML
- None
- Utah has no SDI and no state paid-family-leave payroll premium
- Minimum wage (2026)
- $7.25 / hour
- Utah follows the federal floor; tipped minimum $2.13 + tip credit
- Pay frequency law
- At least semi-monthly
- Utah Code § 34-28-3; monthly allowed for annual-salaried employees
- Supplemental / bonus
- 4.5% state + 22% federal
- Utah taxes bonuses at the same flat rate as regular wages
- Reciprocity agreements
- None
- Utah has no reciprocal withholding agreement with any state
- Individual return
- Form TC-40
- Due April 15; automatic six-month filing extension if tax is prepaid
Sources: Utah Code § 59-10-104 (flat rate) · Utah Pub. 14 — Withholding Tax Guide · Utah taxpayer tax credit (§ 59-10-1018) · Utah Code § 34-28-3 (paydays) · Utah Labor Commission — minimum wage
Utah's flat 4.5% income tax and the taxpayer tax credit
Utah applies one rate — 4.5% — to all state taxable income, which starts from federal adjusted gross income. Because there are no brackets, most calculators stop there. Utah's real progressivity comes from the taxpayer tax credit under Utah Code § 59-10-1018: a credit equal to 6% of your federal standard (or itemized) deduction base, reduced by 1.3¢ for every dollar of income above the statutory threshold. That is why a $40,000 earner pays a much lower effective Utah rate than a $200,000 earner even though both face 4.5%.
| Tax before credit (4.5%) | $2,925 |
|---|---|
| Initial taxpayer credit (6% of base) | −$966 |
| Credit phase-out (1.3% above $17,620) | +$616 |
| Estimated Utah tax | $2,575 |
| Effective Utah rate | 3.96% |
Illustrative — the calculator above withholds the full 4.5% (as Utah employers do). The credit is claimed on Form TC-40, so it usually shows up as a refund rather than a smaller paycheck deduction.
Sources: Utah taxpayer tax credit (§ 59-10-1018) · Utah Code § 59-10-104 (flat rate) · Utah TC-40 individual return
How Utah tax withholding works (there is no Utah W-4)
- 1You file only the federal Form W-4. Utah is one of the few states with a flat tax and no state withholding certificate. Your employer reads filing status, dependents, and extra withholding from the same federal W-4 the IRS uses.
- 2Employer applies Publication 14 schedules. The Utah State Tax Commission publishes withholding schedules in Pub. 14 keyed to pay frequency (weekly, biweekly, semi-monthly, monthly) and W-4 filing status. The schedules build in an allowance approximating the taxpayer tax credit.
- 3Utah tax is withheld at 4.5% of taxable wages. Pre-tax 401(k), HSA, FSA, and Section 125 health premiums reduce Utah taxable wages the same way they reduce federal wages, because Utah starts from federal AGI.
- 4Employer remits on Form TC-941. Utah withholding is reported quarterly or monthly on TC-941 and reconciled annually on TC-941E. Employees see it as the 'UT' line on the pay stub.
- 5You reconcile on Form TC-40. At filing, the flat 4.5% liability is reduced by the taxpayer tax credit, my529 credit, retirement credit, and Social Security benefits credit — which is why many Utah filers get a state refund even with correct withholding.
Want more or less Utah tax withheld?
Because there is no state certificate, the only levers are (a) changing filing status or dependents on the federal W-4, which moves both federal and Utah withholding, (b) adding a flat amount on W-4 Step 4(c) — note this increases federal withholding only, and (c) making a Utah prepayment with Form TC-546 if you expect a balance due from side income, RSUs, or capital gains.
Sources: Utah Pub. 14 — Withholding Tax Guide · Utah State Tax Commission — withholding · IRS Form W-4 (2026) · Utah TC-40 individual return
What does a Utah paycheck look like weekly, biweekly, and monthly?
Answer: on a $65,000 salary (single filer, no pre-tax deductions, 2026 rates), a Utah worker keeps about $990 weekly, $1,980 biweekly, or $4,290 monthly — roughly $51,483 a year. Every check is reduced by four things only: federal income tax, Social Security (6.2%), Medicare (1.45%), and Utah's flat 4.5% state tax. There is no local wage tax anywhere in Utah.
Enter an annual gross salary (up to $1,000,000) and all three example cards update instantly.
At $65,000 (Single): federal $5,620 · Social Security $4,030 · Medicare $943 · Utah 4.5% $2,925 → take-home $51,483 per year.
Weekly paycheck on $65,000 — Single
52 checks a year
Gross $1,250.00 → take-home $990.05
| Gross pay | $1,250.00 |
|---|---|
| − Federal income tax | $108.08 |
| − Social Security (6.2%) | $77.50 |
| − Medicare (1.45%) | $18.13 |
| − Utah income tax (4.5%) | $56.25 |
| − Local / city tax | $0.00 |
| Take-home pay | $990.05 |
Biweekly paycheck on $65,000 — Single
26 checks a year — the most common Utah schedule
Gross $2,500.00 → take-home $1,980.10
| Gross pay | $2,500.00 |
|---|---|
| − Federal income tax | $216.15 |
| − Social Security (6.2%) | $155.00 |
| − Medicare (1.45%) | $36.25 |
| − Utah income tax (4.5%) | $112.50 |
| − Local / city tax | $0.00 |
| Take-home pay | $1,980.10 |
Monthly paycheck on $65,000 — Single
12 checks a year — allowed only for annually salaried employees under Utah Code § 34-28-3
Gross $5,416.67 → take-home $4,290.21
| Gross pay | $5,416.67 |
|---|---|
| − Federal income tax | $468.33 |
| − Social Security (6.2%) | $335.83 |
| − Medicare (1.45%) | $78.54 |
| − Utah income tax (4.5%) | $243.75 |
| − Local / city tax | $0.00 |
| Take-home pay | $4,290.21 |
Totals per year: federal $5,620 · Social Security $4,030 · Medicare $943 · Utah 4.5% $2,925 — an effective combined rate of about 20.8%. Switch the amount, filing status, or pay frequency in the calculator above to model your own check. Definitions for these lines are in the Utah paycheck glossary.
Assumptions used in these examples
The numbers above come from one fixed scenario so they stay easy to check. Your own result will differ if any of these inputs differ.
- Salary
- $65,000 per year of regular wages — no bonuses, overtime, commissions, or self-employment income.
- Filing status
- Single or married filing separately, W-4 Step 2 unchecked (one job), and no dependents claimed in Step 3.
- Deductions method
- Currently the federal standard deduction of $16,100 for 2026 — switch it with the deduction-method toggle above. No W-4 Step 4(a) other income, 4(b) deductions, or 4(c) extra withholding.
- Pay periods
- 52 weekly, 26 biweekly, or 12 monthly checks of equal size, with the annual total split evenly across the year.
- Pre-tax deductions
- None. No 401(k) or 403(b) contributions, health or dental premiums, HSA/FSA, commuter benefits, or garnishments are subtracted.
- Credits
- No credits are applied — including the Utah taxpayer tax credit, child tax credit, or federal EITC. Utah's 4.5% is applied to taxable wages before any credit phase-out.
- Local taxes
- $0. No Utah city, county, or school district levies a wage or payroll income tax.
- Rates & year
- 2026 federal withholding tables (IRS Pub. 15-T percentage method), Social Security 6.2% up to the annual wage base, Medicare 1.45%, and Utah's flat 4.5% rate.
How the deduction is applied: the example starts with the full $65,000 of gross wages, subtracts nothing pre-tax, then subtracts the 2026 federal standard deduction ($16,100) for a single filer before running the IRS percentage-method brackets — so only the amount above the deduction is taxed federally. Social Security (6.2%) and Medicare (1.45%) are still charged on the full gross, because deductions do not reduce FICA wages, and Utah's flat 4.5% is applied to Utah taxable wages rather than to a separate state standard deduction. Adding 401(k), HSA, or health premiums in Step 3 — Deductions of the calculator lowers taxable wages before the standard deduction is applied, which changes every figure above.
Social Security wage-base cap: Social Security is only collected on the first $184,500 of wages in 2026 (up to $11,439 for the year). The example cards spread that annual amount evenly across every check, but in real payroll the Social Security line stays at 6.2% until your cumulative pay for the year passes the cap, then drops to $0 for the rest of the year. So high earners may see slightly more Social Security deducted early in the year and nothing later, while the annual total shown here is still capped at $11,439. Medicare and Utah tax still apply to all covered wages.
These are withholding estimates for planning, not a tax return or payroll statement. Employer-specific rounding and the Utah taxpayer tax credit can shift the final figures — see the taxpayer tax credit explainer for how that phase-out works.
Sources: IRS Pub. 15-T · SSA 2026 wage base · Utah Code § 59-10-104 (flat rate) · Utah Pub. 14 — Withholding Tax Guide · Utah Code § 34-28-3 (paydays)
Utah paycheck examples with a refundable tax credit (child tax credit)
Answer: refundable credits do not change your Utah paycheck unless you update Form W-4. They arrive as a smaller tax bill or a refund after you file. On $65,000 as a head of household filer with 2 qualifying children, withholding still leaves $2,021 biweekly, but credits worth $4,400 raise your effective yearly take-home to $56,955 — about $169 more per biweekly check if you spread the credit across the year.
Credit value applied: $4,400 offsets federal tax owed, $0 is refundable child tax credit, plus $0 of other refundable credits → total $4,400. Effective take-home $56,955 (12.4% effective tax rate after credits).
Weekly — $65,000, 2 children
52 checks a year
| Gross pay | $1,250.00 |
|---|---|
| Take-home as withheld (no credit) | $1,010.66 |
| + Credits spread per check | $84.62 |
| Effective take-home per check | $1,095.28 |
Biweekly — $65,000, 2 children
26 checks a year — the most common Utah schedule
| Gross pay | $2,500.00 |
|---|---|
| Take-home as withheld (no credit) | $2,021.33 |
| + Credits spread per check | $169.23 |
| Effective take-home per check | $2,190.56 |
Monthly — $65,000, 2 children
12 checks a year — allowed only for annually salaried employees under Utah Code § 34-28-3
| Gross pay | $5,416.67 |
|---|---|
| Take-home as withheld (no credit) | $4,379.54 |
| + Credits spread per check | $366.67 |
| Effective take-home per check | $4,746.21 |
How this differs from the examples above
- Withholding is unchanged. Your employer withholds from the $65,000 wage base regardless of credits; only claiming dependents in W-4 Step 3 lowers withholding during the year.
- Non-refundable first. $4,400 of the child tax credit reduces federal income tax to $148.
- Refundable remainder is paid out. Up to $1,700 per child can come back as a refund even when federal tax hits $0 — here $0.
- Utah tax is untouched. Utah's flat 4.5% ($2,925) is not reduced by the federal child tax credit; Utah's own taxpayer tax credit is non-refundable and phases out with income.
- FICA is untouched. Social Security and Medicare ($4,973) are never offset by income tax credits.
Estimates only, and they assume you qualify for the full credit amount with no high-income phase-out. To model paycheck-level changes instead, claim dependents and pre-tax items in the calculator's deductions section.
Sources: IRS Pub. 15-T · IRS Form W-4 (2026) · Utah taxpayer tax credit (§ 59-10-1018) · Utah TC-40 individual return · Utah Code § 59-10-104 (flat rate)
Assumptions variant: how 401(k) and health premiums change each Utah tax line
Answer: the examples above assume no pre-tax deductions. Turn them on and the four tax lines move in different directions: a 401(k) cuts federal and Utah tax but not FICA, while a Section 125 health premium cuts federal, Utah, and Social Security and Medicare. On $65,000 as a single filer, contributing 6% to a 401(k) ($3,900) plus $200/month of premiums ($2,400) cuts total tax by $1,223 a year.
| Annual line item | No pre-tax | With pre-tax | Δ | Why it moves |
|---|---|---|---|---|
| Gross wages | $65,000 | $65,000 | no change | Pre-tax deductions never change gross pay |
| − 401(k) pre-tax | $0 | $3,900 | +$3,900 | Reduces federal and Utah taxable wages, not FICA wages |
| − Health insurance (Section 125) | $0 | $2,400 | +$2,400 | Reduces federal, Utah, and FICA wages |
| Federal income tax | $5,620 | $4,864 | −$756 | Falls as taxable wages fall |
| Social Security (6.2%) | $4,030 | $3,881 | −$149 | Only the health premium lowers this |
| Medicare (1.45%) | $943 | $908 | −$35 | Only the health premium lowers this |
| Utah income tax (4.5%) | $2,925 | $2,642 | −$284 | Both 401(k) and health premiums lower this |
| Take-home pay (cash) | $51,483 | $46,406 | −$5,077 | Cash in hand — 401(k) money is still yours, just invested |
With 6% 401(k) and $2,400 of premiums: federal $4,864 · Social Security $3,881 · Medicare $908 · Utah 4.5% $2,642 → cash take-home $46,406 per year, plus $3,900 saved in your 401(k).
- Cash take-home falls, total compensation does not. Cash drops by $5,077, but $3,900 of that is your own retirement savings.
- FICA is the key difference. 401(k) deferrals stay in the Social Security and Medicare wage base; Section 125 health premiums do not, which is why only the premium lowers those two lines.
- Utah uses the same reduced wage base. Utah's flat 4.5% applies after both pre-tax items, so every pre-tax dollar saves 4.5 cents of state tax.
Model your own amounts in the calculator's deductions section. Estimates exclude employer match, HSA/FSA, catch-up contributions, and the annual 401(k) deferral limit.
Sources: IRS Pub. 15-T · SSA 2026 wage base · Utah Code § 59-10-104 (flat rate) · Utah Pub. 14 — Withholding Tax Guide
Utah take-home pay by pay frequency (weekly, biweekly, semi-monthly, monthly)
Single or married filing separately, standard deduction, no pre-tax deductions. Utah employers must pay at least semi-monthly under Utah Code § 34-28-3 (monthly is allowed only for employees hired on an annual salary).
| Gross salary | UT tax (4.5%) | Net / year | Monthly | Semi-monthly | Biweekly | Weekly |
|---|---|---|---|---|---|---|
| $40,000 | $1,800 | $32,520 | $2,710 | $1,355 | $1,251 | $625 |
| $55,000 | $2,475 | $43,898 | $3,658 | $1,829 | $1,688 | $844 |
| $70,000 | $3,150 | $54,925 | $4,577 | $2,289 | $2,113 | $1,056 |
| $85,000 | $3,825 | $64,803 | $5,400 | $2,700 | $2,492 | $1,246 |
| $100,000 | $4,500 | $74,680 | $6,223 | $3,112 | $2,872 | $1,436 |
| $130,000 | $5,850 | $94,271 | $7,856 | $3,928 | $3,626 | $1,813 |
Showing single results. Each row assumes the annual gross is split evenly across the chosen pay periods.
Sources: Utah Code § 34-28-3 (paydays) · IRS Pub. 15-T · Utah Code § 59-10-104 (flat rate)
Utah pay frequency: withholding and reporting FAQ
Answers use the same $65,000 single-filer scenario as the weekly, biweekly, and monthly examples above.
Sources: Utah Code § 34-28-3 (paydays) · Utah Pub. 14 — Withholding Tax Guide · IRS Pub. 15-T · Utah State Tax Commission — withholding · Utah Code § 59-10-104 (flat rate)
Utah hourly paycheck examples (40 hours/week)
Single or married filing separately, standard deduction, no pre-tax deductions. Utah's minimum wage is the federal floor of $7.25/hour ($2.13 tipped, with tip credit). Overtime is 1.5× the regular rate above 40 hours in a workweek under the FLSA — Utah adds no daily overtime rule.
| Hourly rate | Gross / year | UT tax | Net / year | Biweekly (80 hrs) | OT hour (1.5×) |
|---|---|---|---|---|---|
| $15/hr | $31,200 | $1,404 | $25,845 | $994 | $22.50 gross |
| $18/hr | $37,440 | $1,685 | $30,578 | $1,176 | $27.00 gross |
| $20/hr | $41,600 | $1,872 | $33,734 | $1,297 | $30.00 gross |
| $25/hr | $52,000 | $2,340 | $41,622 | $1,601 | $37.50 gross |
| $30/hr | $62,400 | $2,808 | $49,510 | $1,904 | $45.00 gross |
| $40/hr | $83,200 | $3,744 | $63,617 | $2,447 | $60.00 gross |
Showing single results.
Working overtime or converting a wage to a salary? Use the overtime calculator or the hourly-to-salary calculator.
Sources: Utah Labor Commission — minimum wage · DOL — FLSA overtime · Utah Code § 59-10-104 (flat rate)
Utah take-home pay: 2025 vs 2026 (same inputs)
Utah's flat rate is 4.5% in both years (Utah Code § 59-10-104, cut from 4.55% by S.B. 71), so every year-over-year change below comes from federal inflation adjustments — the standard deduction, the federal brackets, and the Social Security wage base ($176,100 → $184,500).
2025 take-home
$51,189
$1,969 per biweekly check
2026 take-home
$51,483
$1,980 per biweekly check
Change (2026 − 2025)
+$294 / yr
+$11.31 per check
| Line item (annual) | 2025 | 2026 | Δ |
|---|---|---|---|
| Gross wages | $65,000 | $65,000 | — |
| Federal standard deduction | $15,000 | $16,100 | +$1,100 |
| Federal income tax | $5,914 | $5,620 | −$294 |
| Social Security (6.2%) | $4,030 | $4,030 | — |
| Medicare (1.45% + 0.9% surtax) | $943 | $943 | — |
| Utah income tax (4.5% flat) | $2,925 | $2,925 | — |
| Effective tax rate | 21.25% | 20.80% | -0.45 pts |
| Net take-home pay | $51,189 | $51,483 | +$294 |
At $65,000 (single), 2026 take-home pay is higher than 2025 by $294 a year ($11.31 per biweekly check). Utah's 4.5% state tax is identical in both years — the difference is federal.
Sources: Utah Code § 59-10-104 (flat rate) · S.B. 71 (2025) — rate cut to 4.5% · IRS Pub. 15-T · SSA 2026 wage base
Utah retirement credit (Utah Code § 59-10-1019) — up to $450 per person
If you were born on or before December 31, 1952, Utah gives you a nonrefundable retirement credit worth the lesser of 6% of your eligible retirement income or $450 per qualifying claimant ($900 on a joint return where both spouses qualify). The credit shrinks by 2.5¢ for every dollar of modified adjusted gross income above $25,000 (single or head of household), $32,000 (married filing jointly), or $16,000 (married filing separately), and it can never exceed the Utah tax you owe — it is nonrefundable and cannot be carried forward. Utah pension and 401(k) withdrawals are otherwise taxed at the same flat 4.5%; there is no separate retiree rate.
Modified AGI used below: $42,000
| 6% of eligible retirement income | $1,800 |
|---|---|
| Statutory cap ($450 × 2) | $900 |
| Credit before phase-out (lesser of the two) | $900 |
| Phase-out (2.5% of MAGI over $32,000) | −$250 |
| Retirement credit allowed | $650 |
| Utah tax before credits (4.5% of MAGI) | $1,890 |
| Utah tax after this credit | $1,240 |
You would claim $650 on Form TC-40A, Part 3 (code 18). Because the credit is nonrefundable, it can only reduce Utah tax to $0 — the unused amount is lost, not carried forward.
Who qualifies
Only claimants born on or before December 31, 1952. Younger retirees do not qualify for § 59-10-1019, but may qualify for the separate Social Security benefits credit under § 59-10-1042.
What counts as retirement income
Pensions and annuities, taxable IRA and 401(k)/403(b) distributions, and other retirement plan payments included in federal AGI. Wages, rents, and capital gains do not count toward the 6%, but they do raise modified AGI and speed up the phase-out.
How it hits your paycheck
It doesn't. Utah employers withhold the full flat 4.5% under Pub. 14, so this credit shows up when you file Form TC-40 — usually as a larger refund rather than a smaller withholding line.
Sources: Utah retirement credit (§ 59-10-1019) · Utah Social Security benefits credit (§ 59-10-1042) · Utah Code § 59-10-104 (flat rate) · Utah TC-40 individual return · Utah Pub. 14 — Withholding Tax Guide
Does any Utah city have a local income tax?
No. Utah law does not authorize municipal or county income taxes, so paycheck math is identical statewide. A $75,000 salary nets the same in Salt Lake City as in St. George — the only differences are voluntary deductions and employer benefit plans. Local sales and property tax rates vary, but they never touch withholding.
- Salt Lake City — $0 local wage tax
- West Valley City — $0 local wage tax
- Provo — $0 local wage tax
- West Jordan — $0 local wage tax
- Orem — $0 local wage tax
- Sandy — $0 local wage tax
- Ogden — $0 local wage tax
- St. George — $0 local wage tax
- Lehi — $0 local wage tax
- Layton — $0 local wage tax
- South Jordan — $0 local wage tax
- Millcreek — $0 local wage tax
- Draper — $0 local wage tax
- Logan — $0 local wage tax
- Park City — $0 local wage tax
- Herriman — $0 local wage tax
Sources: Utah State Tax Commission — withholding · Utah Code § 59-10-104 (flat rate)
Does Utah have reciprocity agreements with other states?
No. Utah has no reciprocal withholding agreements with any state. Reciprocity is what lets a commuter file only in their home state, and Utah never signed one. That means cross-border workers can have tax withheld by two states for the same paycheck, and the double taxation is undone at filing time through a credit — not through payroll.
- • No exemption certificate exists — there is no Utah form that stops another state's withholding, and no other state's certificate stops Utah withholding.
- • Utah residents are taxed on all income, wherever earned, at the flat 4.5% rate.
- • Nonresidents are taxed on Utah-source wages only, apportioned on form TC-40B.
- • Relief comes from the credit for taxes paid to another state (Utah Code § 59-10-1003, schedule TC-40S), capped at the Utah tax on that same income.
| Scenario | Withholding effect | What you file |
|---|---|---|
| Live in Utah, work in Nevada or Wyoming (no income tax) | No other-state tax withheld; Utah tax is due on 100% of the wages | TC-40 as a Utah resident — consider W-4 Step 4(c) extra withholding to avoid a balance due |
| Live in Utah, work in Idaho, Colorado or Arizona | Work state withholds its own tax first; Utah withholding is not waived by any agreement | Nonresident return in the work state + Utah TC-40 with the credit for taxes paid to another state (TC-40S) |
| Live out of state, work in Utah | Your employer must withhold Utah tax on Utah-source wages regardless of your home state | Utah TC-40 as a nonresident (TC-40B apportionment); claim a credit at home if your state allows one |
| Remote work for a Utah employer from another state | Wages are generally sourced where the work is performed, not where the employer sits | File where you physically work; ask payroll to correct the withholding state if it is wrong |
Effect on this calculator: results assume Utah is both your work and residence state, so the 4.5% line is the only state tax shown. If another state also withholds from your pay, your real per-check net will be lower than the estimate until the TC-40S credit is applied on your annual return.
Sources: Utah State Tax Commission — withholding · Utah Pub. 14 — Withholding Tax Guide · Utah TC-40 individual return · Utah Code § 59-10-104 (flat rate)
Utah vs neighboring states — and why reciprocity doesn't apply
Utah has no reciprocal withholding agreements. If you live in Utah and work in Wyoming or Nevada, no other state tax is withheld but Utah still taxes the income on your TC-40. If you work in a taxing state such as Idaho or Colorado, that state withholds first and Utah gives you a credit for taxes paid to another state.
- Idaho paycheck calculator5.3% flat
- Wyoming paycheck calculatorNo state income tax
- Colorado paycheck calculator4.4% flat
- Arizona paycheck calculator2.5% flat
- Nevada paycheck calculatorNo state income tax
- New Mexico paycheck calculator1.7%–5.9% progressive
Sources: Utah TC-40 individual return · Utah State Tax Commission — withholding
How are bonuses and commissions taxed in Utah?
Utah taxes supplemental wages — bonuses, commissions, severance, RSU vesting, and PTO payouts — at the same flat 4.5%. Federally, employers usually use the 22% flat supplemental method (37% above $1,000,000 in a year) under IRS Reg. § 31.3402(g)-1. That 22% is a withholding shortcut, not your final tax rate; it reconciles on your 1040.
| Federal supplemental (22%) | −$1,100 |
|---|---|
| Utah state (4.5%) | −$225 |
| FICA (7.65%) | −$383 |
| Estimated net bonus | $3,293 |
Sources: IRS Reg. § 31.3402(g)-1 (supplemental wages) · Utah Pub. 14 — Withholding Tax Guide
Self-employed and 1099 workers in Utah
A 1099 contractor has no employer withholding, so both halves of FICA become the 15.3% self-employment tax on 92.35% of net earnings (Schedule SE), and Utah's 4.5% is paid through quarterly prepayments using Form TC-546 (due April 15, June 15, September 15, and January 15). Half of the SE tax is deductible above the line.
| SE taxable base (92.35%) | $73,880 |
|---|---|
| Self-employment tax (15.3%) | $11,304 |
| Utah tax (4.5%, after ½ SE deduction) | $3,346 |
| Suggested quarterly UT prepayment | $836 |
Sources: IRS Schedule SE — self-employment tax · Utah State Tax Commission — withholding · Utah Code § 59-10-104 (flat rate)
How this Utah calculator compares to other paycheck tools
| Feature | This calculator | Typical alternatives |
|---|---|---|
| Utah flat rate used | 4.5% (2025–2026, S.B. 71) | Several tools still apply 4.55% or 4.65% |
| Taxpayer tax credit explained | Yes — with a live phase-out calculator | Usually omitted entirely |
| State W-4 handling | Explains that Utah has none and uses Pub. 14 with the federal W-4 | Often shows a non-existent state allowance field |
| Pay-frequency examples | Weekly, biweekly, semi-monthly, monthly side by side | Single frequency only |
| Local wage tax | Confirms $0 in all 16 largest cities | Rarely stated |
| Cost | Free, no sign-up, no ads | Registration walls or upsells |
Utah paycheck glossary — key terms defined
Plain-language definitions for the four terms that drive every Utah paycheck estimate on this page.
- Utah flat income taxalso called Utah single-rate income tax
- A single statewide rate of 4.5% applied to Utah taxable income regardless of how much you earn or your filing status (Utah Code § 59-10-104, as reduced by S.B. 71 for tax year 2025 forward). There are no brackets and no local city or county wage tax, so the marginal and effective state rates are identical before credits. The taxpayer tax credit is what makes most filers' final Utah liability lower than the flat rate implies. Compare with Colorado's 4.4% flat tax and Arizona's 2.5% flat tax.
- Utah withholdingalso called Utah state income tax withholding
- The Utah income tax your employer subtracts from each paycheck and remits to the Utah State Tax Commission, calculated with the Publication 14 withholding schedules. Utah has no state-specific W-4 — employers use your federal Form W-4 for both federal and Utah calculations. Withholding is a prepayment, not your final tax: it reconciles on Form TC-40. See how Utah withholding works.
- Take-home payalso called net pay
- The amount actually deposited in your account: gross pay minus pre-tax deductions, federal income tax withholding, FICA (Social Security and Medicare), Utah's 4.5% state withholding, and any post-tax deductions. For a Utah worker this is gross pay less roughly 7.65% FICA, federal withholding, and 4.5% state tax. Estimate yours with the Utah paycheck calculator above, or compare across states with the state comparison tool.
- Payroll deductions
- Every amount withheld between gross and net pay, in three groups: pre-tax (traditional 401(k), HSA, section 125 health premiums — these reduce both federal and Utah taxable wages), taxes (federal withholding, Social Security 6.2% to the wage base, Medicare 1.45% plus 0.9% Additional Medicare, and Utah 4.5%), and post-tax (Roth 401(k), garnishments, union dues, most disability premiums). Utah adds no state disability or family-leave payroll tax, and no city payroll tax anywhere in the state — see Utah local tax coverage.
Source: Utah Code § 59-10-104 (flat rate) · S.B. 71 (2025) — rate cut to 4.5%
Source: Utah Pub. 14 — Withholding Tax Guide · Utah State Tax Commission — withholding
Source: IRS Pub. 15-T · SSA 2026 wage base
Source: IRS Pub. 15-T · Utah Pub. 14 — Withholding Tax Guide · SSA 2026 wage base
Utah paycheck calculator FAQ
Methodology, assumptions & sources
- Utah state tax: flat 4.5% applied to wages after pre-tax deductions, matching how employers withhold under Pub. 14. The taxpayer tax credit is claimed on the TC-40, so your final Utah liability is usually lower than the withheld amount.
- Federal tax: 2026 brackets and standard deduction from IRS Pub. 15-T / Rev. Proc. 2025-32, annualized-wage method.
- FICA: Social Security 6.2% up to the $184,500 wage base; Medicare 1.45% on all wages plus 0.9% Additional Medicare above $200,000 single / $250,000 MFJ.
- Not modeled: local taxes (Utah has none), garnishments, employer-specific benefit plans, multi-state allocation, and non-wage income such as capital gains — use the capital gains tax calculator for that.
- Update cadence: reviewed whenever the Utah Legislature changes the rate, the Tax Commission republishes Pub. 14, or the IRS issues new inflation adjustments.
Related tools: salary increase calculator · hourly to salary · overtime · compare states · all state paycheck calculators.
Sources: Utah Code § 59-10-104 (flat rate) · S.B. 71 (2025) — rate cut to 4.5% · Utah Pub. 14 — Withholding Tax Guide · Utah taxpayer tax credit (§ 59-10-1018) · Utah TC-40 individual return · Utah Code § 34-28-3 (paydays) · IRS Pub. 15-T · SSA 2026 wage base
Sources · Utah
Sources used for the Utah paycheck calculator
Every rate, threshold, and credit on this page traces to a primary document. Each citation links to the official statute, form, or publication so you can verify the math yourself.
- Utah Code § 59-10-104 — individual income tax rateUpdated Jan 2026Statutory single flat rate applied to Utah taxable income for every filing status.
- S.B. 71 (2025) — rate reduction to 4.5%Updated Mar 2025Lowered the rate from 4.55% to 4.5% effective tax year 2025 forward; drives every state-tax figure on this page.
- Utah Publication 14 — Withholding Tax GuideUpdated Jan 2026Employer withholding schedules, per-payroll methods, and filing/deposit rules used for the withholding examples.
- Utah State Tax Commission — withholding taxUpdated Jan 2026Registration, TC-941E reporting, and confirmation that Utah has no reciprocal withholding agreements.
- Utah Code § 59-10-1018 — taxpayer tax creditUpdated Jan 20266% of the base credit amount with a 1.3¢-per-dollar phase-out; the reason Utah's effective rate sits below 4.5% at lower incomes.
- Utah Code § 59-10-1019 — retirement creditUpdated Jan 2026Nonrefundable credit up to $450 per claimant born on or before Dec 31, 1952, phased out by modified AGI.
- Utah Code § 59-10-1042 — Social Security benefits creditUpdated Jan 2026Credit equal to the Utah tax on taxable Social Security benefits, phased out above the statutory AGI thresholds.
- Form TC-40 — Utah individual income tax returnUpdated Jan 2026Return, TC-40A additions/subtractions, TC-40B nonresident apportionment, and TC-40S credit for taxes paid to another state.
- Utah Code § 34-28-3 — paydays and pay frequencyUpdated Jan 2026Semi-monthly default pay requirement and the monthly-pay allowance for salaried employees.
- IRS Publication 15-T — federal withholding methodsUpdated Jan 2026Percentage Method tables behind the federal withholding step of every Utah example.
- IRS Form W-4 (2026)Updated Jan 2026Step 2 multiple jobs, Step 3 dependents, and Step 4(a)/(b)/(c) inputs used by the scenario tools.
- SSA — Social Security wage base (contribution and benefit base)Updated Oct 2025$176,100 for 2025 and $184,500 for 2026; sets where the 6.2% Social Security line stops.
Estimates only, not tax advice. Utah's 4.5% flat rate, credit phase-outs, and IRS inflation adjustments can change mid-year — confirm against the citations above before filing or adjusting your W-4.
Utah Tax Information 2026
| State Income Tax | Flat 4.50% |
| Federal Brackets | 10% / 12% / 22% / 24% / 32% / 35% / 37% |
| Social Security | 6.2% up to $184,500 |
| Medicare | 1.45% (+0.9% above $200,000) |
| Standard Deduction (single) | $15,000 |
Flat 4.5% state income tax on all taxable income (Utah Code § 59-10-104, rate cut by S.B. 71 for tax year 2025 forward). No city or county wage tax anywhere in Utah; the Utah taxpayer tax credit phases out at higher incomes.
Common Utah Salaries — Take-Home Estimates
Single filer, no pre-tax deductions, 2026 rates.
| Annual | Federal | UT State | Net Biweekly | Net Annual |
|---|---|---|---|---|
| $35,000 | $2,020 | $1,575 | $1,105 | $28,728 |
| $50,000 | $3,820 | $2,250 | $1,543 | $40,105 |
| $75,000 | $7,670 | $3,375 | $2,239 | $58,218 |
| $100,000 | $13,170 | $4,500 | $2,872 | $74,680 |
| $150,000 | $24,734 | $6,750 | $4,117 | $107,041 |
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How we calculate your Utah paycheck
Enter gross pay — your salary or hourly wage before any taxes or deductions come out. The calculator does the pre-tax math for you; do not subtract your 401(k), HSA, or health premiums first. The 2026 engine then runs the same six-step pipeline for every Utah paycheck:
- 1. Annualize gross wages. Weekly × 52, biweekly × 26, semimonthly × 24, or monthly × 12 — so all withholding tables see the same annual figure.
- 2. Subtract pre-tax deductions. Traditional 401(k)/403(b), HSA, FSA, and Section 125 health/dental/vision premiums are removed from federal and Utah state taxable income. Roth 401(k) and after-tax deductions are not subtracted here.
- 3. Apply 2026 federal income tax. IRS brackets 10%–37%, standard deduction, and your W-4 filing status and dependents.
- 4. Withhold FICA. Social Security 6.2% up to the 2026 wage base of $184,500, plus Medicare 1.45% on all wages and an additional 0.9% Medicare on wages above $200,000. FICA applies to 401(k) contributions but not to Section 125 or HSA.
- 5. Apply Utah state and local tax. Flat 4.5% state income tax on all taxable income (Utah Code § 59-10-104, rate cut by S.B. 71 for tax year 2025 forward). No city or county wage tax anywhere in Utah; the Utah taxpayer tax credit phases out at higher incomes. These rates apply to your post-pre-tax-deduction wages using your state withholding certificate. No broad city or county income tax applies to Utah wages in 2026 — the state line above is the only jurisdictional tax withheld.
- 6. Subtract post-tax items. Roth contributions, garnishments, and voluntary post-tax benefits reduce net pay but do not lower taxable income. The remainder is your take-home, which the calculator divides back by pay frequency for per-check net.
Results are estimates for 2026 W-2 wages and are not a substitute for Form W-4, your Utah withholding certificate, or advice from a licensed tax professional.
More Utah pay & salary tools
Keep exploring Utah paycheck math with related calculators from US State Paycheck Calculator:
- Utah salary paycheck calculator (home)Run a fresh 2026 estimate for any US state from the homepage — same engine used on this Utah page.
- Compare Utah to all 50 state paycheck calculatorsDirectory of every US state calculator — see how Utah's state income tax stacks up against your next move.
- Utah salary increase & raise calculatorModel a raise, promotion, or COLA in Utah — see the after-tax dollar and percentage change on your Utah paycheck.
- Utah hourly-to-salary calculatorConvert Utah hourly wages to annual salary (and back) with overtime, then plug it into this Utah paycheck calculator.
- Free Utah salary paycheck calculator — ADP, Gusto & PaycheckCity alternativeRead how this free Utah calculator matches ADP, Gusto, and PaycheckCity on 2026 federal, FICA, and Utah withholding — without the signup or upsell.