Estimate your 2026 Montana take-home pay from salary or hourly wages. This calculator runs Montana's new 2026 withholding tables at 4.7% and 5.65% with your Form MW-4 filing status, and handles federal W-4 withholding, Social Security, Medicare and pre-tax deductions. Montana tax shows up as state withholding (SIT) on your pay stub.
Example: $60,000 salary, paid biweekly, federal Single, MW-4 single, no voluntary deductions. Use the calculator below for your own numbers.
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New 4.7% and 5.65% rates2026 tables and the new MW-4
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Federal W-4 + FICA2026 brackets, $184,500 wage base
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Salary or hourlyWeekly, biweekly, semimonthly and monthly pay
Montana Paycheck Calculator
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2026 calculation methodology
Federal withholding uses the 2026 federal brackets and standard deduction for your Form W-4 filing status, with Step 2(c), Step 3 and Step 4 inputs. Montana withholding follows the 2026 Montana tables: annualized wages run through the table for your MW-4 status (0% up to the federal standard deduction, then 4.7% and 5.65%), divided by pay periods and rounded to the nearest dollar, plus any extra amount. Social Security is 6.2% up to $184,500 and Medicare is 1.45%, plus 0.9% above $200,000. See the worked example and test cases below.
What You Should Know About Montana Paychecks
Montana cut its income tax for 2026. The top rate fell from 5.9% to
5.65%, and the lower 4.7% rate now covers far more income. On a
$60,000 salary filing single, Montana takes $79 per biweekly
paycheck.
Withholding changed too. The 2026 Form MW-4 has no allowances: your
filing status picks a table that starts after the federal standard
deduction, so the first $16,100 of a single filer's wages carries no
Montana tax. If your MW-4 predates 2026, it's worth filing a new one.
No Montana city taxes wages, and there's no state disability or paid
leave deduction. The minimum wage is $10.85 an hour.
4.7% and 5.65%2026 income tax rates
Top rate down from 5.9% in 2025.
$16,100Tax-free first slice (single)
$24,150 head of household, $32,200 joint.
0MW-4 allowances
Status and extra withholding only.
Montana Paycheck Taxes at a Glance
Here's everything that can come out of a Montana paycheck in 2026
and which payroll taxes the employer pays instead. For more on the
federal lines, see our
FICA tax guide.
Montana employee paycheck items in 2026
Paycheck item
2026 treatment
Employee deduction?
Federal income tax
Based on wages, pay frequency and Form W-4
Yes
Social Security
6.2% up to the 2026 wage base of $184,500
Yes
Medicare
1.45% of all wages, plus 0.9% Additional Medicare above $200,000
Yes
Montana income tax
4.7% and 5.65% from the 2026 tables by MW-4 status
Yes
Local income tax
None; no Montana city or county taxes wages
No
Disability or paid leave
None; Montana has no state program deduction
No
Unemployment insurance
Employer-paid up to a wage base set at 80% of the state average wage
No
2026 Montana Withholding Tables
Montana's 2026 method works much like the federal one. Your employer annualizes your wages, applies the table for your MW-4 filing status, divides by pay periods and rounds to the dollar. The 0% band is the federal standard deduction.
2026 Montana annual withholding tables
MW-4 status
Annual wages
Montana withholding
Single, married filing separately, both spouses working
Up to $16,100
$0
Single, married filing separately, both spouses working
$16,100 to $63,600
4.7% over $16,100
Single, married filing separately, both spouses working
Over $63,600
$2,233 plus 5.65% over $63,600
Head of household
Up to $24,150
$0
Head of household
$24,150 to $95,400
4.7% over $24,150
Head of household
Over $95,400
$3,349 plus 5.65% over $95,400
Married filing jointly
Up to $32,200
$0
Married filing jointly
$32,200 to $127,200
4.7% over $32,200
Married filing jointly
Over $127,200
$4,465 plus 5.65% over $127,200
What it means in practice: A single filer pays 5.65% only on annual wages above $63,600. Bonuses paid separately can be withheld at a flat 5% instead of running through the table.
Form MW-4: How Your Choices Change Your Paycheck
Montana doesn't use your federal W-4, and the 2026 MW-4 dropped allowances. You pick a filing status and can ask for extra withholding. Here's what each choice does to a $60,000 biweekly paycheck.
Effect of MW-4 choices on Montana withholding, $60,000 salary, biweekly (2026)
MW-4 choice
Montana tax per paycheck
Take-home pay
Single
$79
$1,859.07
Head of household
$65
$1,873.07
Married filing jointly
$50
$1,888.07
Single, plus $10 extra
$89
$1,849.07
Exempt
$0
$1,938.07
How to read this: Couples where both spouses work should use the single table, as the MW-4 tells them to, so the $32,200 tax-free band isn't counted twice. Take-home figures use federal Single so only the MW-4 choice changes.
What Montana Tax Really Costs by Salary
Montana tax for a single filer and a married couple filing jointly with one income, biweekly pay.
Montana withholding by salary (2026)
Salary
Single: tax per paycheck
Single: tax per year
Single: share of gross
Married filing jointly: tax per paycheck
$30,000
$25
$650
2.17%
$0
$40,000
$43
$1,118
2.79%
$14
$50,000
$61
$1,586
3.17%
$32
$60,000
$79
$2,054
3.42%
$50
$75,000
$111
$2,886
3.85%
$77
$100,000
$165
$4,290
4.29%
$123
$120,000
$208
$5,408
4.51%
$159
$150,000
$274
$7,124
4.75%
$221
Montana Paycheck Tax Compared With Nearby States
The same $60,000 biweekly paycheck, filing single, run through our other state calculators with their default settings.
State income tax on a $60,000 salary, biweekly, single (2026)
Keep the whole picture in mind: With the 2026 cuts, Montana withholds less than Idaho at $60,000. Wyoming and South Dakota have no wage tax, and Montana has no general sales tax, which evens things out for many households.
Montana Salary Calculator: Take-Home Pay Examples for 2026
Biweekly pay and no pre-tax deductions. Single filers use federal
Single and MW-4 single; married filers use Married Filing Jointly
on both forms with one income. To convert pay first, use our
salary to hourly calculator,
or model a raise with the pay raise calculator.
Montana take-home pay by annual salary (biweekly, 2026)
Annual salary
Single annual net
Single avg. monthly net
Married annual net
Married avg. monthly net
$30,000
$25,635
$2,136
$27,705
$2,309
$40,000
$33,202
$2,767
$35,796
$2,983
$50,000
$40,769
$3,397
$43,563
$3,630
$60,000
$48,336
$4,028
$51,270
$4,272
$75,000
$58,706
$4,892
$62,620
$5,218
$100,000
$74,890
$6,241
$81,512
$6,793
$120,000
$87,842
$7,320
$96,646
$8,054
$150,000
$106,667
$8,889
$117,439
$9,787
How to Calculate Your Montana Paycheck
A Montana paycheck goes from gross pay to take-home pay in four
steps. The state step uses the new 2026 tables, which this calculator
runs for you.
1
Calculate gross pay
Divide salary by pay periods, or multiply the hourly rate by regular hours and add overtime at 1.5 times the rate after 40 hours in a week.
Annualize wages, apply the 2026 table for your MW-4 status, divide by pay periods and round to the dollar. Then subtract post-tax deductions.
Montana Withholding Worked Example: $60,000 Salary, Biweekly
Here's the 2026 Montana table run by hand for the paycheck at the top of this page: a $60,000 salary, MW-4 single, biweekly pay and no pre-tax deductions.
Step-by-step 2026 Montana withholding on a $60,000 biweekly salary
Step
Calculation
Result
1. Annualize wages
$2,307.69 times 26
$59,999.94
2. Find the band
Between $16,100 and $63,600 on the single table
4.7% band
3. Apply the rate
4.7% of $43,899.94 (the amount over $16,100)
$2,063.30 per year
4. Convert and round
$2,063.30 divided by 26 is $79.36, rounded
$79 per paycheck
What it means for take-home pay: Gross pay of $2,307.69 minus $193.08 federal income tax, $143.08 Social Security, $33.46 Medicare and $79 Montana tax leaves $1,859.07.
Montana Minimum Wage and Overtime in 2026
Montana's minimum wage rose to $10.85 an hour on January 1, 2026. It's adjusted each year for inflation.
Montana minimum wage and pay rules
Rule
Amount or requirement
What it means for a paycheck
Minimum wage
$10.85 an hour
$434 weekly gross at 40 hours; $6 Montana tax; about $382.36 take-home
Tipped employees
$10.85; Montana allows no tip credit
Tips are on top of the full minimum wage
Small businesses not covered by federal law
$4.00 if gross annual sales are $110,000 or less
Rare in practice
Overtime
1.5 times the regular rate after 40 hours a week
Enter overtime hours in hourly mode
Overtime example: $20 an hour for 80 regular and 10 overtime hours is $1,900 gross. Montana withholding is $60 and take-home pay is $1,550.50. To total a week of punches first, use our time card calculator with overtime.
Montana Paycheck Tax Calculator: How Montana Withholding Works
A Montana paycheck calculator has one state line to
get right: income tax from the 2026 tables. On your pay stub it
usually appears as
SIT or MT state withholding.
Our
pay stub abbreviations list
explains the other codes.
Federal Withholding for Montana Paychecks
Federal withholding uses your Form W-4 and the 2026 federal
brackets. The calculator supports filing status, Step 2(c), Step 3
credits and Step 4(a), 4(b) and 4(c). If you claim the new overtime
or tips deductions, our
W-4 Step 4(b) worksheet guide
shows how to enter them, and our
2026 federal tax withholding guide
covers the rest.
Working Across State Lines
Montana has a reciprocal agreement with North Dakota. North Dakota
residents working in Montana claim the exemption on Form MW-4 and
pay tax only at home. Residents of
Idaho,
Wyoming and South Dakota who work in Montana have Montana tax
withheld.
Bonuses
When a bonus is paid separately, employers can withhold a flat 5%
for Montana. Federal withholding (usually a flat 22%) and FICA
apply too. See
why bonuses are taxed so high.
Employer Payroll Costs in Montana
Employers pay state unemployment insurance
on wages up to a base set each year at 80% of the state's average
annual wage. None of it comes out of your pay. At year-end, our
W-2 form generator
can use the same wage and withholding totals.
Why Your Actual Montana Paycheck May Differ
This calculator is a close estimate, not your employer's payroll
run. An old MW-4 still on file, whole-dollar rounding, benefit
elections, year-to-date wages and a 27th biweekly payday in some
years can all move the result a little.
Three-paycheck months
change monthly cash flow but not the tax on each check. For a full
checklist, see why your paycheck is lower than expected.
This page also works as a weekly, biweekly, semimonthly or monthly
Montana payroll calculator. The annual salary stays
the same, but gross pay and withholding on each check change with
the number of pay periods. See our
pay period guide
for how the schedules differ.
52Weekly$929.04 net26Biweekly$1,859.07 net24Semimonthly$2,013.58 net12Monthly$4,027.17 net1Annual$48,336 net
Figures use a $60,000 salary, federal Single, MW-4 single and no
voluntary deductions. Montana tax is $40 weekly, $79 biweekly, $86
semimonthly and $172 monthly.
How We Test This Montana Paycheck Calculator
Every scenario below was run through the calculator on this page on September 25, 2026 and checked by hand against the 2026 Montana withholding tables. Scenarios are biweekly unless noted.
Montana paycheck test cases, checked September 25, 2026 (per paycheck)
Scenario
Gross pay
Federal income tax
Montana tax
Take-home pay
$30,000, single
$1,153.85
$54.62
$25
$985.96
$60,000, single
$2,307.69
$193.08
$79
$1,859.07
$60,000, head of household
$2,307.69
$193.08
$65
$1,873.07
$60,000, MW-4 married filing jointly
$2,307.69
$193.08
$50
$1,888.07
$60,000, single, $10 extra
$2,307.69
$193.08
$89
$1,849.07
$60,000, exempt
$2,307.69
$193.08
$0
$1,938.07
$60,000, $150 401(k)
$2,307.69
$175.08
$72
$1,734.07
$60,000, $100 Section 125
$2,307.69
$181.08
$75
$1,782.72
$60,000, Married Filing Jointly on both forms
$2,307.69
$109.23
$50
$1,971.92
$45,000, Head of Household, $2,200 W-4 credit
$1,730.77
$0.00
$38
$1,560.36
$100,000, single
$3,846.15
$506.54
$165
$2,880.38
$150,000, single
$5,769.23
$951.31
$274
$4,102.58
$20 an hour, 80 hours plus 10 overtime
$1,900.00
$144.15
$60
$1,550.50
$10.85 an hour, 40 hours, weekly
$434.00
$12.44
$6
$382.36
Update log: September 25, 2026: rewrote this page and fixed the calculator. The old version treated Montana as a state with no income tax and showed $0 Montana withholding. The calculator now runs the 2026 Montana tables at 4.7% and 5.65% with your MW-4 filing status. We added the tables, an MW-4 comparison, a state comparison, a worked example and the test cases above. We re-check this page whenever the Department of Revenue or the IRS publishes new tables, and at least once a year each January.
2026 Tax Data This Calculator Uses
Here's every rate and limit behind the numbers on this page and where it comes from, so you can check them yourself.
Tax rates and limits used by the Montana paycheck calculator
Item
2026 value used
Source
Federal income tax withholding
2026 brackets and standard deductions for Form W-4
Spotted something that looks wrong? Tell us through the editorial contact form with the inputs you used, and we'll re-check the calculation. This page is written by Rachel Brooks and follows the research and review process on our editorial team page. ePayStubs isn't affiliated with the IRS or the State of Montana.
Montana Paycheck Calculator FAQ
Does Montana have a state income tax?
Yes. For 2026 Montana taxes wages at 4.7% and 5.65%. The top rate fell from 5.9% this year, and the 4.7% rate now covers the first $47,500 of taxable income for single filers, $71,250 for head of household and $95,000 for joint filers. No Montana city taxes wages.
How much tax is taken out of a Montana paycheck?
On a $60,000 salary paid biweekly, filing single, $448.62 comes out of each $2,307.69 paycheck: $193.08 federal income tax, $143.08 Social Security, $33.46 Medicare and $79 Montana income tax. That leaves $1,859.07.
What changed on Form MW-4 for 2026?
Montana dropped allowances. The 2026 MW-4 asks for your filing status and any extra withholding, and the withholding tables build in the federal standard deduction for that status: $16,100 single, $24,150 head of household and $32,200 married filing jointly. If you filed an MW-4 with allowances in an earlier year, it's worth filing a new one.
How does Montana figure withholding in 2026?
Your employer annualizes your wages and applies the table for your MW-4 status. For single filers that's 0% on the first $16,100, 4.7% up to $63,600 and $2,233 plus 5.65% above that. The yearly amount is divided by pay periods and rounded to the dollar.
How are bonuses taxed in Montana?
When a bonus is paid separately, employers can withhold a flat 5% for Montana. Federal withholding, usually a flat 22%, and FICA apply too.
What is Montana's minimum wage in 2026?
$10.85 an hour from January 1, 2026. Montana doesn't allow a tip credit, so tipped workers get the full $10.85 plus tips. Businesses with $110,000 or less in gross annual sales that aren't covered by federal law can pay $4.00.
Does Montana have reciprocity with North Dakota?
Yes. North Dakota residents who work in Montana can claim the exemption on Form MW-4 and pay tax only to North Dakota. Montana has no agreement with Idaho, Wyoming or South Dakota.
Does Montana have local income tax or paid leave deductions?
No. No Montana city or county taxes wages, and there's no state disability or paid leave deduction. Unemployment insurance is paid by employers only.
Are 401(k) contributions pre-tax in Montana?
Yes. Traditional 401(k) and Section 125 deductions lower Montana taxable wages. A $150 biweekly 401(k) contribution on a $60,000 salary cuts Montana withholding from $79 to $72.
Is Montana tax lower in 2026?
Yes for most people. The top rate dropped to 5.65%, and the 4.7% bracket now starts after the federal standard deduction and reaches much higher. The same 2025 law schedules another cut for 2027.
How do I calculate take-home pay in Montana?
Start with gross pay and subtract pre-tax deductions. Figure federal withholding and FICA. Then annualize Montana wages, apply the table for your MW-4 status, divide by pay periods and round to the dollar. Subtract post-tax deductions to get take-home pay.
Written by:Rachel Brooks, Tax Forms and W-2 Content Specialist. Last updated: September 25, 2026. Checked against the Montana Department of Revenue's 2026 withholding tables, the Montana Department of Labor and Industry and IRS Publication 15-T (2026).
Disclaimer: Estimates are for educational use and aren't tax or legal advice. Actual payroll withholding depends on the employee's Form W-4, Form MW-4, year-to-date wages, benefits, deductions and employer payroll system. For more Montana payroll details, see our Montana Payroll Guide.
