What is Montana's income tax rate?

From the 2024 tax year Montana uses a simplified two-rate income tax: 4.7% on lower taxable income and 5.9% above the bracket threshold. There are no local or city income taxes anywhere in Montana.

Does this include federal tax and FICA?

Yes. The calculator applies the 2025 federal income tax brackets and standard deduction, plus the 6.2% Social Security tax (up to the wage base) and 1.45% Medicare tax, so the net figure reflects every mandatory deduction.

Does Montana have local income taxes?

No. Unlike states such as Ohio or Pennsylvania, Montana has no city or county wage taxes, so your state withholding is the same regardless of which Montana town you live in.

How accurate is the estimate?

It is a close estimate using current brackets and the standard deduction. Your actual paycheck can differ slightly because of additional withholding, health premiums, or other pre-tax benefits not modelled here.

Does Montana tax 401(k) contributions?

Traditional 401(k) contributions are excluded from both federal and Montana taxable income, so the calculator subtracts them before computing income tax. They remain subject to Social Security and Medicare tax.

Montana Paycheck Calculator

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Montana has no state sales tax, which already makes it cheaper to live in than most states — but wage earners still pay both federal and Montana state income tax plus FICA (Social Security and Medicare). This calculator combines all of them to estimate what actually lands in your bank account each pay period, using Montana’s simplified 2024 two-rate income tax structure.

How it works

The calculator annualises your gross pay, then computes each deduction in turn:

Pre-tax deductions. Traditional 401(k) contributions are subtracted from gross pay before income tax, lowering both federal and Montana taxable income.
Federal income tax. Applies the 2025 standard deduction for your filing status, then the federal brackets (10% to 37%) to the remaining taxable income.
Montana state tax. Montana’s 2024 reform ties state taxable income closely to federal taxable income and applies a two-rate schedule — 4.7% on income up to the bracket threshold and 5.9% above it (the threshold is higher for joint filers).
FICA. Social Security at 6.2% on wages up to the annual wage base, and Medicare at 1.45% on all wages.

The annual net is then divided back down to your chosen pay frequency.

Tips and example

For a single filer earning $60,000 a year with no 401(k), the calculator subtracts the federal standard deduction, applies the federal brackets, layers on Montana’s two-rate tax, and removes 7.65% for FICA — leaving roughly mid-$46ks in annual take-home, or that figure divided by your number of pay periods.

Because Montana has no local wage tax, your take-home is identical whether you live in Billings, Missoula or a small rural town. Remember this is an estimate: health insurance premiums, HSA contributions and extra voluntary withholding will further reduce your real paycheck.