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Montana Paycheck Guide

Montana uses progressive tax brackets. Higher portions of pay are taxed at higher rates.

PI
Reviewed by PayslipIQ Editorial Team, in-house payroll editor
Last reviewed May 2026 · Editorial standards

In short

A Montana paycheck has federal income tax, Social Security (6.2% up to the 2026 wage base of $184,500), and Medicare (1.45%), plus progressive Montana state income tax. On a $65,000 single-filer salary, estimated Montana take-home is about $50,833 a year, or $1,955 per biweekly paycheck.

PayslipIQ provides educational information and estimated calculations only. It does not provide tax, legal, financial, accounting, employment, benefits, or payroll advice. PayslipIQ is not a CPA firm, law firm, financial advisor, payroll provider, or tax authority. Always verify your paycheck, deductions, withholdings, and tax position with your employer's payroll department, a qualified CPA, the IRS, your state tax authority, or another appropriately qualified professional. Calculations are estimates; your actual paycheck may differ based on factors specific to your employer, location, benefits elections, and personal tax situation.

Montana: the local picture

Montana moved to a two-bracket income tax in 2024 with a top rate of 5.9%. No local income tax. Minimum wage tied to inflation, currently $10.55/hr.

Montana Paycheck Calculator

Estimate take-home pay for Montana.

Montana State Tax

Montana tax structure and rates.

Montana Overtime

Federal FLSA applies.

Montana Pay Stub Laws

Employer pay stub requirements in Montana.

Montana take-home pay by salary (2026)

See estimated Montana take-home for common salaries. Each page has a full federal, FICA, and Montana breakdown with per-paycheck figures.

$40,000 after tax$50,000 after tax$60,000 after tax$75,000 after tax$90,000 after tax$100,000 after tax$125,000 after tax$150,000 after tax
All Montana salariesMontana gross-to-net calculator

How a Montana paycheck is built

Every Montana worker pays federal income tax, calculated on the W-4 you submitted to your employer using the IRS Publication 15-T tables. Federal income tax is followed by FICA: 6.2 percent Social Security up to the annual wage base, plus 1.45 percent Medicare on every dollar. The 0.9 percent Additional Medicare Tax applies once year-to-date wages cross $200,000 single or $250,000 married filing jointly.

Montana adds progressive state income tax. The bracket you fall into depends on filing status and taxable income. Verify current brackets with the Montana Department of Revenue.

What changed recently in Montana

  • Bracket consolidation in 2024.
  • No state PFL or SDI.
  • No local income tax.

Montana payroll quirks workers should know

  • Montana MW-4 form for state withholding.
  • No local payroll tax.

Example breakdown

A hypothetical Montana worker on a $65,000 annual salary, paid bi-weekly, single filer, no extra adjustments. Educational only, your real paycheck differs.

Gross (bi-weekly)$2,500.00
Federal income tax-$216.15
Social Security (6.2%)-$155.00
Medicare (1.45%)-$36.25
Montana state tax-$137.50
Estimated take-home$1,955.10

Run your own numbers in the Montana paycheck calculator.

Authoritative sources

Next steps

Want to go further?

The calculators and guides here are free. If you want a closer look at one specific stub, these optional next steps go deeper.

Premium pay stub report
A detailed one-off PDF that walks through every line on one stub, with a verify-with-payroll checklist.
Monthly paycheck monitor
Track each stub against the last one and get a plain-English alert when something shifts.
Talk to a CPA or EA
For anything that affects your taxes, find a credentialed professional through the IRS and state directories.

How PayslipIQ stays free: the tools and guides are free to use. PayslipIQ offers optional paid reports and monitoring, and links to independent CPA and tax-preparer directories. It is not affiliated with the IRS, the SSA, any employer, or any payroll provider, and does not sell user data. Educational only, not tax, legal, or financial advice.

Frequently asked questions

Does Montana have state income tax?
Yes. Montana uses progressive brackets. Verify with the Montana Department of Revenue.
Are there local income taxes in Montana?
No. Montana does not have local income taxes on wages.
Does Montana have State Disability Insurance or Paid Family Leave premiums?
No. Montana does not have state-mandated SDI or PFL employee premiums.
Does Montana have daily-overtime rules?
No. Montana follows federal FLSA: 1.5x for hours above 40 in a workweek.
What is FICA on a Montana paycheck?
FICA is federal: 6.2 percent Social Security up to the annual wage base, plus 1.45 percent Medicare on every dollar. The 0.9 percent Additional Medicare Tax applies above $200,000 single or $250,000 married filing jointly. FICA applies in every state.
Where do I verify Montana state tax withholding?
The Montana Department of Revenue (https://mtrevenue.gov/) is the authoritative source. For your specific paycheck, contact your employer's payroll team or a CPA.
Did Montana cut income tax in 2024?
Bracket count cut from seven to two with a top rate of 5.9%. For most workers this is roughly neutral. High earners see a meaningful cut.