What is Utah's income tax rate?

Utah uses a single flat rate of 4.55% on taxable income for all filers (2024 tax year). The rate has been cut several times in recent years from 4.95%, and it applies the same way to every filing status.

Does this include federal tax and FICA?

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

Does Utah have a standard deduction?

Utah does not use a separate standard deduction; instead it provides a taxpayer tax credit that phases out at higher incomes. This calculator applies the flat 4.55% to federal taxable income as a close approximation for most wage earners.

Are 401(k) contributions taxed in Utah?

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

How accurate is the estimate?

It is a close estimate using current brackets, the standard deduction, and Utah's flat rate. Your real paycheck can differ slightly because of the Utah taxpayer credit, additional withholding, or other pre-tax benefits not modelled here.

Utah Paycheck Calculator

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Utah taxes wage income at a flat 4.55% rate, the same for every filer, after several recent rate cuts from the old 4.95%. But your real take-home pay also depends on federal income tax and FICA (Social Security and Medicare), which together take a far larger bite than the state does. This calculator combines all of them to estimate what actually lands in your bank account each pay period.

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 Utah 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.
Utah state tax. Applies the flat 4.55% rate to federal taxable income. Utah uses a taxpayer credit rather than a standard deduction, so this is a close approximation.
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), Utah’s state tax is 4.55% of taxable income — a noticeable but moderate amount. The federal tax and the 7.65% FICA bite still dominate your deductions. Enter a 401(k) percentage to see how pre-tax saving lowers both federal and state tax at once.

Remember this is an estimate: the Utah taxpayer tax credit, health insurance premiums, HSA contributions, and extra voluntary withholding will further change your real paycheck.