Every Montana income tax bracket for 2026, exactly as published — with the standard deduction, the exemption credit, and a tool that finds your bracket and shows the tax slice by slice.
| Rate | Taxable income over | Up to | Cumulative tax at top of band |
|---|---|---|---|
| 4.7% | $0 | $47,500 | $2,233 |
| 5.65% | $47,500 | and above | — |
Brackets apply to taxable income — gross income minus the standard deduction. Both tables are printed in full on this page; the tabs only choose which you look at first.
Enter your Montana taxable income (after the standard deduction). Your bracket lights up in the table above, and your tax is broken into its slices.
Figure A The bracket staircase
The staircase: each step is one bracket. The tax climbs only inside the step you are standing on — moving into a higher bracket never taxes your earlier income at the higher rate.
| Taxable income (single) | Montana tax | Effective rate | Top (marginal) rate |
|---|---|---|---|
| $50,000 | $2,374 | 4.7% | 5.65% |
| $75,000 | $3,786 | 5.0% | 5.65% |
| $100,000 | $5,199 | 5.2% | 5.65% |
| $150,000 | $8,024 | 5.3% | 5.65% |
Montana's top income tax rate falls from 5.90% to 5.65% for 2026 under House Bill 337 of 2025, and the 4.70% lower bracket is substantially widened (single threshold $47,500). A further cut is already enacted: the top rate falls again to 5.40% in 2027 under the same law. Also taking effect in 2026, Montana's Earned Income Tax Credit rises from 10% to 20% of the federal credit.
The state-specific rules behind the numbers above — the things a generic calculator gets wrong about Montana.
Montana now has just two brackets: 4.70% on taxable income up to $47,500 for a single filer and 5.65% above that for 2026. House Bill 337 of 2025 both cut the top rate — from 5.90% — and substantially widened the lower bracket, and it schedules a further cut in the top rate to 5.40% for 2027. Montana also raises its state Earned Income Tax Credit from 10% to 20% of the federal credit as of 2026.
Source: Montana House Bill 337 (2025); Montana Department of Revenue 2026 rate tables; Tax Foundation 2026 state income tax data
Since the 2024 simplification, Montana does not build its tax from federal adjusted gross income with its own standard deduction. It starts from federal taxable income, so the federal standard deduction ($16,100 single on the 2026 figures used here) is already embedded. A direct consequence is for Social Security: the federally taxable portion of benefits flows into the Montana starting point, so Montana effectively taxes Social Security to the extent it is federally taxable, rather than exempting it or applying a separate state worksheet as it did under the old system.
Source: Montana Department of Revenue (federal taxable income starting point from tax year 2024, SB 399 simplification); Tax Foundation 2026
Montana is one of the few states with no statewide sales tax, and most residents pay no local sales tax either; only certain small resort communities levy a local resort tax. The state instead relies more heavily on its income tax and on property taxes — a trade-off that is very visible in take-home pay comparisons, where Montana's income tax looks unremarkable but the absence of sales tax improves the overall picture.
Source: Montana Department of Revenue; Kiplinger Montana tax guide (no statewide sales tax, limited resort taxes)
Montana has just two rates for 2026: 4.70% on taxable income up to $47,500 for a single filer, and 5.65% on taxable income above $47,500. That 5.65% top rate is new for 2026 — it was 5.90% before — and it is scheduled to fall again to 5.40% in 2027.
On $75,000 as a single filer, this calculator estimates Montana tax of $2,877 and take-home of $58,716, after federal tax of $7,670 and FICA of $5,738. Because Montana starts from federal taxable income, the federal standard deduction is already reflected before the 4.70% / 5.65% rates apply.
Montana has no statewide sales tax at all — one of only a handful of states without one — so everyday purchases are not taxed by the state. The trade-off is that the state leans on income and property taxes instead. A few small resort communities levy a local resort tax, but there is no general local sales tax for most residents.
Yes, in part. Since Montana's 2024 simplification, the state calculation starts from federal taxable income, so the portion of Social Security that is taxable on your federal return generally flows into Montana taxable income, with no separate Montana exemption for it. Railroad Retirement benefits, by contrast, are not taxed by Montana.
It is not a Montana-set amount. Montana simplified its system in 2024 to start from federal taxable income, so the federal standard deduction — $16,100 for a single filer on the 2026 figures used here — is already built into the starting point, rather than claimed again as a separate Montana deduction.
Montana income tax brackets for 2026 in full: every rate and threshold for single and joint filers, the $16,100 standard deduction, worked examples and a find-your-bracket tool.
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Every Montana income tax bracket for 2026, printed in full exactly as published: single and married-filing-jointly tables, the standard deduction, worked examples on taxable income, and a find-your-bracket tool that lights up your band and builds your tax slice by slice. Rates checked 31 October 2026; all figures are for the 2026 tax year.
On $100,000 of taxable income in Montana (single filer, 2026), the slice-by-slice tax is $5,198.75 — the top slice is taxed at 5.65%, but the effective rate on the whole $100,000 is far lower because the early slices are taxed at the bottom rates. A $100,000 salary is not $100,000 of taxable income: the $16,100 standard deduction comes off first, which is what the companion income calculator works through.
Montana taxes income in 2 bands from 4.7% to 5.65%. The standard deduction is $16,100.00 for a single filer (the federal amount — this state conforms to it). The tables are the state’s official 2026 schedules (sources printed on the page); cumulative tax at the top of each band is computed slice by slice from those rates. The federal comparison figures use IRS Rev. Proc. 2025-32.
Montana has just two rates for 2026: 4.70% on taxable income up to $47,500 for a single filer, and 5.65% on taxable income above $47,500. That 5.65% top rate is new for 2026 — it was 5.90% before — and it is scheduled to fall again to 5.40% in 2027.
On $75,000 as a single filer, this calculator estimates Montana tax of $2,877 and take-home of $58,716, after federal tax of $7,670 and FICA of $5,738. Because Montana starts from federal taxable income, the federal standard deduction is already reflected before the 4.70% / 5.65% rates apply.
Montana has no statewide sales tax at all — one of only a handful of states without one — so everyday purchases are not taxed by the state. The trade-off is that the state leans on income and property taxes instead. A few small resort communities levy a local resort tax, but there is no general local sales tax for most residents.
Yes, in part. Since Montana's 2024 simplification, the state calculation starts from federal taxable income, so the portion of Social Security that is taxable on your federal return generally flows into Montana taxable income, with no separate Montana exemption for it. Railroad Retirement benefits, by contrast, are not taxed by Montana.
It is not a Montana-set amount. Montana simplified its system in 2024 to start from federal taxable income, so the federal standard deduction — $16,100 for a single filer on the 2026 figures used here — is already built into the starting point, rather than claimed again as a separate Montana deduction.
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