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Utah Take-Home Pay Calculator: 4.5% Flat Tax (2026)

Utah has cut its flat income tax every year since 2022 — now 4.5%, down from 4.95%. Instead of a standard deduction, Utah uses a taxpayer credit that phases out with income. Estimate your 2026 take-home pay below.

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$

Net annual pay

$74,680

Net monthly pay

$6,223

Net biweekly pay

$2,872

Tax breakdown

CategoryAmount% of income
Federal Income Tax$13,17013.2%
Social Security$6,2006.2%
Medicare$1,4501.5%
State Income Tax$4,5004.5%
Total tax$25,32025.3%

Effective tax rate: 25.3%. Marginal federal rate: 22.0%. Marginal state rate: 4.5% in Utah.

Where your money goes

Estimates for informational purposes only — not tax advice. Excludes pre-tax contributions, credits, and local income taxes.

Compare with another state

See how Utah's take-home pay ranks against another state.

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Example: take-home pay on common salaries in Utah

Single filer, 2026 standard deduction, no pre-tax contributions or credits. Computed by the same engine as the calculator above.

Gross salary Federal tax FICA Utah tax Net annual pay Effective rate
$75,000 $7,670 $5,738 $3,375 $58,218 22.4%
$100,000 $13,170 $7,650 $4,500 $74,680 25.3%

How Utah taxes your income in 2026

Utah taxes all income at a flat 4.5% (HB 106, retroactive to 2025) — the fourth cut in as many years from 4.95% in 2022. Utah has no standard deduction; instead it offers a taxpayer credit equal to 6% of your federal deduction amount, which phases out at higher incomes. This calculator approximates Utah tax with the flat rate alone, which is accurate for middle and higher incomes where the credit has phased out.

Simple system, sales tax on groceries

Utah cities and counties levy no income taxes. Social Security benefits are taxable in Utah to the extent they're taxed federally, though a retirement tax credit offsets some or all of it for lower- and middle-income retirees. Utah is one of the states that still apply sales tax to groceries (at a reduced 3% state-plus-local rate).

What this calculator includes (and excludes)

This estimate covers federal income tax, FICA, and Utah's 4.5% flat tax. It does not model the taxpayer credit (which lowers tax for lower incomes), the Social Security retirement credit, itemized deductions, or other credits. Figures are estimates for planning purposes, not tax advice.

Frequently asked questions

What is the Utah income tax rate in 2026? ▼
A flat 4.5%. Utah's rate has been cut every year recently: 4.95% (2022) → 4.85% (2023) → 4.65% (2024) → 4.55% (2025) → 4.5% (HB 106, retroactive to 2025).
Does Utah have local income taxes? ▼
No. Utah municipalities and counties do not impose income taxes. The 4.5% state tax is the only income tax below the federal level.
Does Utah tax Social Security benefits? ▼
Yes, to the extent they're taxed federally — but Utah offers a retirement tax credit that phases out with income and can offset much or all of the tax on benefits for lower- and middle-income retirees.
How much is $75,000 after taxes in Utah? ▼
A single filer earning $75,000 pays roughly $3,375 in Utah income tax and takes home about $58,218 per year after federal tax, FICA, and state tax, based on this calculator's 2026 estimates. See the example table above for details.
Why doesn't Utah have a standard deduction? ▼
Utah replaced traditional deductions with a taxpayer credit (6% of the federal deduction amount) that phases out at higher incomes. For most middle- and upper-income filers, the practical result is a simple flat 4.5% on income.

Data sources

Reviewed by the PayFigi research team. Last verified: 2026-07-27. These figures are estimates for informational purposes only and are not tax advice; consult a tax professional for advice specific to your situation.