Utah income tax calculator
Estimate your 2026 Utah and federal income tax and whether you will get a refund. A single filer earning $75,000 owes about $3,103 in Utah 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 · Utah owed $3,678
| Federal tax | $9,876 | 11.6% |
|---|---|---|
| Utah and local tax | $3,678 | 4.3% |
| Income after these taxes | $71,446 | 84.1% |
- Adjusted gross income
- $85,000
- Taxable income
- $68,900
- Deduction used
- Standard $16,100
- Federal bracket
- 22%
- Effective federal rate
- 11.6%
- UT tax after credits
- $3,678
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 |
Utah return
2026 rules| Line | Amount |
|---|---|
| State taxable income | $85,000.00 |
| Tax before credits | $3,782.50 |
| Taxpayer tax credit | -$104.05 |
| State tax after credits | $3,678.45 |
| State withheld | $0.00 |
| State amount owed | $3,678.45 |
- Rate and credit rules are 2026 law; the taxpayer credit phase-out base is derived from the 2026 withholding schedule and the dependent exemption uses the 2025 amount.
Income tax in Utah
- Utah taxes income at a flat 4.45% for 2026, starting from federal AGI with no standard deduction or exemption subtracted.
- Instead, a nonrefundable taxpayer tax credit equals 6% of the federal standard (or itemized) deduction plus a per-dependent exemption amount, and phases out at 1.3 cents per dollar of income above a base.
- Social Security is included in income but offset by a credit of 4.45% of taxable benefits, which phases out above $54,000 of modified AGI for single filers ($90,000 joint).
- Other nonrefundable credits include a state EITC of 20% of the federal credit and a $1,000 child tax credit per child under 6 that phases out above $49,000 single ($61,000 joint).
2026 income tax at common incomes (wages only, standard deduction)
| Income | Federal tax, single | Utah tax, single | Utah rate, single | Utah tax, married |
|---|---|---|---|---|
| $40,000 | $2,623 | $1,091 | 2.7% | $0 |
| $60,000 | $5,023 | $2,241 | 3.7% | $1,032 |
| $75,000 | $7,676 | $3,103 | 4.1% | $1,894 |
| $100,000 | $13,176 | $4,450 | 4.5% | $3,332 |
| $150,000 | $24,734 | $6,675 | 4.5% | $6,207 |
Rates
Top rate 4.45%. At $75,000 of wages, each extra $1,000 adds about $58 of Utah tax.
Family example
A married couple earning $60,000 with two children and $4,000 of child care: Utah tax of $2,670 before credits, credits of Taxpayer tax credit ($1,891), Child tax credit ($1,000), Utah earned income credit ($248), for $0 owed.
Local income tax
None figured on the Utah return.
Examples assume wages only, the standard deduction and no other income. See what comes out of each check in the Utah paycheck calculator.
More for Utah: Utah paycheck calculator · Utah mortgage calculator · Utah home affordability calculator
Income tax calculators for other states
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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.
Utah
Utah's 2026 resident return: its starting point, Social Security and retirement adjustments, deductions, exemptions, rates and main credits.
Sources
Official Utah tax guidance (5 sources), checked for 2026. Rate and credit rules are 2026 law; the taxpayer credit phase-out base is derived from the 2026 withholding schedule and the dependent exemption uses the 2025 amount.
Sources
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Questions
How much Utah income tax do I pay on $75,000?
About $3,103 for a single filer with only wage income and the standard deduction (4.1% of income), or $1,894 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 Utah's top income tax rate in 2026?
4.45% on the highest incomes. At $75,000 of wages, each extra $1,000 adds about $58 of Utah tax.
Does Utah 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 $573 in Utah income tax in 2026. Exclusions depend on age, income and the type of retirement income.