Utah Paycheck & Income Tax Calculator

How Utah income tax works

Utah has no standard deduction, and no personal exemption for yourself. It charges 4.45% on your Utah taxable income, starting with the first dollar. For a wage earner that is federal adjusted gross income, which in practice means your salary.

What it has instead is the taxpayer tax credit, set out in Utah Code 59-10-1018 and worked on lines 16 to 20 of Form TC-40:

1. Start with 6% of your federal standard deduction. That is $966 for a single filer in 2026 and $1,932 filing jointly.
2. Take off 1.3% of your income above $18,696 ($37,392 jointly).
3. Whatever is left comes off your tax. If nothing is left, you get nothing.

A single filer on $75,000 works it like this. 4.45% of $75,000 is $3,337.50. The credit starts at $966, and 1.3% of the $56,304 above the base takes $731.95 of it away, leaving $234.05. The tax is $3,103.45, an effective state rate of 4.1%. A married couple on the same $75,000 starts from a larger credit and a higher base, keeps $1,443.10 of its $1,932 and pays $1,894.40.

The schedule itself is a single line:

There is no local income tax anywhere in Utah and no employee-side payroll levy, so these figures need nothing added.

The credit that phases out

This is what makes Utah’s flat tax less flat than it looks.

While the credit is being withdrawn, each extra dollar you earn is taxed at 4.45% and costs you 1.3 cents of credit. The state’s cut of your next dollar is therefore 5.75%, not 4.45%. For a single filer:

Filing jointly, the same pattern runs from about $42,054 to $186,007.

So Utah’s rate on the next dollar is highest in the middle. A single filer on $60,000 pays 5.75% on a raise, while one on $150,000 pays 4.45%. Across that band, the marginal rate the calculator shows for a Utah salary includes the extra 1.3 points.

The same credit is why the effective rate climbs steadily with income even though the rate never changes: 1.7% at $30,000, 3.3% at $50,000, 4.1% at $75,000, and the full 4.45% once the credit has gone.

Two details. The credit is based on the federal standard deduction you actually take, so it moves when the federal figure does. And the $18,696 base is indexed to inflation each year under the statute. The joint base is always exactly twice the single one.

4.45% for 2026

Senate Bill 60, “Income Tax Rate Amendments”, cut the rate from 4.5% to 4.45%. The governor signed it on March 23, 2026. It took effect on May 6, 2026, but it has “retrospective operation for a taxable year beginning on or after January 1, 2026”, so the new rate covers the whole year.

On $75,000 the cut is worth $37.50 a year. The credit did not change.

It is the sixth cut since 2017, and the fifth in a row:

Withholding took a while to catch up. The Tax Commission’s new tables apply to pay periods beginning on or after June 1, 2026, and before that employers were still withholding at 4.5%. Anything withheld under the old rate counts toward your 2026 bill when you file, so any excess comes back then.

Take-home pay at every salary in Utah

After federal tax, Utah tax with the taxpayer credit worked out at each income, and FICA. With no local income tax and no state payroll levy, these figures hold anywhere in Utah: Salt Lake City, Provo, Ogden and St. George alike.

What lands in your account each payday

On $75,000 a year in Utah, filing single, split across the pay schedules employers actually use.

Why a single filer usually gets a refund

The table above spreads what you owe evenly across the year. What your employer withholds can be a little more, because of how Utah’s withholding tables are built.

The tables, in the Tax Commission’s Publication 14, follow the filing status on your federal W-4. The married schedule mirrors a single filer’s figures on the return: an allowance of $970 a year (6% of $16,100 is $966), withdrawn from $18,696. The single schedule halves both, to $485 withdrawn from $9,348.

So on a single W-4 the allowance runs out at about $46,656 a year, while the credit on the return lasts until $93,004. A single filer on $75,000 has 4.45% of the whole salary withheld, about $3,338, and gets the $234.05 credit back as a refund after filing. Your actual paychecks will be slightly smaller than the table shows, and the difference comes back with the return.

Dates that matter for the 2026 tax year

Utah returns (Form TC-40) are due April 15, 2027, matching the federal deadline. The Tax Commission gives an automatic six-month extension, to October 15, 2027, with no form to file, but it assesses penalties unless by April 15 you have prepaid 90% of your 2026 tax or 100% of your 2025 tax (90% of 2026’s if you had no 2025 liability). The extension is to file, not to pay: interest runs on anything unpaid from April 15.

Utah does not require quarterly estimated payments. You can prepay at any time, online or with form TC-546, the prepayment coupon.

The figures here assume no dependents and the standard deduction. Each dependent adds 6% of the Utah personal exemption to the credit ($2,111 per dependent for 2025; the 2026 amount is not published yet), and itemizers use their itemized deductions instead. Head of household has its own base amount. None of these is modeled.

One note on the figures. The Tax Commission has not published the 2026 TC-40 instructions yet, so the $18,696 base comes from Publication 14, the withholding guide (Rev. 4/26), whose married schedule uses the return’s single-filer base. The same figure in Publication 14 matched the return exactly in each of the last three years: $16,742 for 2023, $17,652 for 2024 and $18,213 for 2025. $18,696 is also what the statute’s inflation formula gives for 2026. The TC-40 instructions, due around the turn of the year, are the final check.

Questions people ask

What is the Utah income tax rate for 2026?

A flat 4.45%, cut from 4.5% by Senate Bill 60, which the governor signed on March 23, 2026. The bill applies to taxable years beginning on or after January 1, 2026, so the lower rate covers all of 2026 even though it passed in March.

Does Utah have a standard deduction?

No. Utah taxes your income from the first dollar and gives a taxpayer tax credit instead, worth 6% of your federal standard deduction. For 2026 that is $966 for a single filer and $1,932 filing jointly, and it comes off the tax, not the income.

How does the Utah taxpayer credit phase out?

It shrinks by 1.3 cents for every dollar of income above $18,696 for a single filer, or $37,392 filing jointly. A single filer's $966 credit is gone at about $93,004, and a couple's $1,932 at about $186,007.

Why is my Utah marginal rate higher than 4.45%?

Because while the credit is being withdrawn, each extra dollar is taxed at 4.45% and also costs 1.3 cents of credit. For a single filer earning between about $21,027 and $93,004, the state takes 5.75% of the next dollar. Above that it drops back to 4.45%.

How much Utah income tax do I pay on $75,000?

A single filer pays $3,103 for 2026. 4.45% of $75,000 is $3,337.50, and the taxpayer credit takes $234.05 off it, an effective rate of 4.1%. A married couple on the same income keeps more of the credit and pays $1,894.

Does any Utah city charge a local income tax?

No. The Tax Commission's list of every tax it administers includes local ones such as the municipal energy tax and the transient room tax, but no local income tax. Where you live in Utah does not change your income tax bill.

What is deducted from a Utah paycheck besides income tax?

Only federal items. The Department of Workforce Services' notice to workers says unemployment insurance is paid by your employer and "no deductions are made from your wages", and Utah has no state disability or paid family leave program.

When is the 2026 Utah return due?

April 15, 2027. The extension to October 15, 2027 is automatic, with no form to file, but penalties apply unless you have prepaid enough by April 15. Utah does not require quarterly estimated payments.

Is my data sent anywhere?

No. The calculation runs entirely in your browser. There is no account, and the salary you type is never sent to a server or stored. It never leaves your device.