Montana income tax calculator
Estimate your 2026 Montana and federal income tax and whether you will get a refund. A single filer earning $75,000 owes about $2,877 in Montana income tax and $7,676 in federal income tax.
By John Crane, MBA & the Editorial Team · Updated for the 2026 tax year. How we check our numbers
Estimated federal amount owed
$876.00
Federal tax $9,876 · Montana owed $3,442
| Federal tax | $9,876 | 11.6% |
|---|---|---|
| Montana and local tax | $3,442 | 4.0% |
| Income after these taxes | $71,682 | 84.3% |
- Adjusted gross income
- $85,000
- Taxable income
- $68,900
- Deduction used
- Standard $16,100
- Federal bracket
- 22%
- Effective federal rate
- 11.6%
- MT tax after credits
- $3,442
Where your federal tax comes from
Ordinary income by bracketFederal return summary
Form 1040, 2026| Line | Amount |
|---|---|
| Total income | $85,000.00 |
| Adjustments | -$0.00 |
| Adjusted gross income | $85,000.00 |
| Standard deduction | -$16,100.00 |
| Taxable income | $68,900.00 |
| Income tax | $9,876.00 |
| Total federal tax | $9,876.00 |
| Withholding and estimated payments | $9,000.00 |
| Federal amount owed | $876.00 |
Montana return
2026 rules| Line | Amount |
|---|---|
| State taxable income | $68,900.00 |
| Tax before credits | $3,441.60 |
| State tax after credits | $3,441.60 |
| State withheld | $0.00 |
| State amount owed | $3,441.60 |
- 2026 brackets and EITC are final; the 65+ subtraction uses the 2025 amount until the 2026 figure is published.
Income tax in Montana
- Montana taxes ordinary income at 4.7% up to $47,500 ($95,000 joint, $71,250 head of household) and 5.65% above that in 2026, with rates of 3.0% and 4.1% for net long-term capital gains.
- It starts from federal taxable income, so the federal standard or itemized deduction is already built in, and there is no separate personal exemption.
- Social Security is taxed to the extent it is federally taxable, while filers 65 or older get a separate subtraction.
- The Montana earned income credit doubles to 20% of the federal credit for 2026 and is refundable.
2026 income tax at common incomes (wages only, standard deduction)
| Income | Federal tax, single | Montana tax, single | Montana rate, single | Montana tax, married |
|---|---|---|---|---|
| $40,000 | $2,623 | $1,123 | 2.8% | $367 |
| $60,000 | $5,023 | $2,063 | 3.4% | $1,307 |
| $75,000 | $7,676 | $2,877 | 3.8% | $2,012 |
| $100,000 | $13,176 | $4,289 | 4.3% | $3,187 |
| $150,000 | $24,734 | $7,114 | 4.7% | $5,753 |
Rates
Top rate 5.65%. At $75,000 of wages, each extra $1,000 adds about $57 of Montana tax.
Family example
A married couple earning $60,000 with two children and $4,000 of child care: Montana tax of $1,307 before credits, credits of Montana EITC ($248), for $1,058 owed.
Local income tax
None figured on the Montana return.
Examples assume wages only, the standard deduction and no other income. See what comes out of each check in the Montana paycheck calculator.
More for Montana: Montana paycheck calculator · Montana mortgage calculator · Montana home affordability calculator
Income tax calculators for other states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
How this is calculated
Federal return
The 2026 Form 1040: standard or itemized deduction, the new Schedule 1-A deductions, tax rates, child tax credit, child and dependent care credit and EITC.
Montana
Montana's 2026 resident return: its starting point, Social Security and retirement adjustments, deductions, exemptions, rates and main credits.
Sources
Official Montana tax guidance (3 sources), checked for 2026. 2026 brackets and EITC are final; the 65+ subtraction uses the 2025 amount until the 2026 figure is published.
Sources
Related guides
- How bonuses are taxed in 2026Why a bonus check looks smaller than a paycheck, the 22% federal flat rate, every state's bonus withholding rate, and what you actually owe at tax time.
- 2026 federal income tax brackets and standard deductionThe 2026 tax brackets for every filing status, the standard deduction, how marginal rates really work, and what a typical household pays.
- The 2026 tips and overtime deductions, explainedWho can deduct tips and overtime pay from 2025 through 2028, the limits and phase-outs, what counts, which states follow, and how much they save.
- How to adjust your W-4 so you don't owe at tax timeWhat each step of the 2026 Form W-4 does, how to fix withholding that is too low or too high, and worked examples for two jobs, kids and side income.
- How RSUs are taxedRSUs are taxed as pay when they vest. Why the 22% withheld often falls short, how sell-to-cover works, and the 1099-B mistake that taxes income twice.
- ISO vs NSO stock options: taxes and AMTHow ISOs and NSOs are taxed at exercise and sale, when ISOs trigger the alternative minimum tax, and how many you can exercise before it applies.
- States with no income tax, and what they charge insteadThe nine states with no tax on wages, how much a typical worker saves there, and the sales, property and other taxes that make up the difference.
- Which states tax Social Security benefits in 2026?The states that still tax Social Security, their exemptions and income limits, what a typical retiree pays in each, and how federal tax on benefits works.
- The 2026 SALT deduction cap, explainedThe $40,000 cap on deducting state and local taxes, how it shrinks above $500,000 of income, who should itemize now, and what it saves by state.
Questions
How much Montana income tax do I pay on $75,000?
About $2,877 for a single filer with only wage income and the standard deduction (3.8% of income), or $2,012 for a married couple filing jointly on the same income. Federal income tax on $75,000 for a single filer is about $7,676.
What is Montana's top income tax rate in 2026?
5.65% on the highest incomes. At $75,000 of wages, each extra $1,000 adds about $57 of Montana tax.
Does Montana tax Social Security and retirement income?
Partly. A single retiree aged 67 with $30,000 of Social Security and $30,000 of pension or IRA withdrawals owes about $660 in Montana income tax in 2026. Exclusions depend on age, income and the type of retirement income.