What actually lands in your bank account from a Utah paycheck in 2026 — every deduction line, per paycheck and per year, computed from the official tables.
At 0% you put away $0 a year; each extra 1% costs about $29 a paycheck before its tax saving.
You keep 79% of gross pay — $2,278 of every $2,885 paycheck.
Inner ring: the five buckets of your gross pay. Outer ring: what each bucket is made of, per paycheck.
The same numbers, in the shape you see at work. It rewrites itself as you change the inputs above.
Each bar starts where the previous one ended. What is left at the bottom is your paycheck.
| Line | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,885 | $75,000 |
| Federal income tax | -$295 | -$7,670 |
| Social Security | -$179 | -$4,650 |
| Medicare | -$42 | -$1,088 |
| Utah income tax | -$91 | -$2,372 |
| Take-home pay | $2,278 | $59,221 |
Withholding in real life follows the IRS and Utah withholding tables paycheck by paycheck, so an individual check can differ by a few dollars from this annualised estimate; the year-end totals are what the tables aim at.
| Frequency | Take-home per check | Gross per check |
|---|---|---|
| Weekly (52×/yr) | $1,139 | $1,442 |
| Biweekly (26×/yr) | $2,278 | $2,885 |
| Semimonthly (24×/yr) | $2,468 | $3,125 |
| Monthly (12×/yr) | $4,935 | $6,250 |
| Salary | Gross per check | Take-home per check | Take-home per year |
|---|---|---|---|
| $50,000 | $1,923 | $1,581 | $41,096 |
| $75,000 | $2,885 | $2,278 | $59,221 |
| $100,000 | $3,846 | $2,911 | $75,696 |
| $125,000 | $4,808 | $3,543 | $92,107 |
The state-specific rules behind the numbers above — the things a generic calculator gets wrong about Utah.
Utah taxes all taxable income at one flat rate — 4.45% for tax year 2026, cut from 4.50% by the 2026 legislature (S.B. 60) with retrospective effect from 1 January 2026. There are no brackets and no filing-status rate differences.
Source: Tax Foundation, State Individual Income Tax Rates and Brackets 2026
Utah has no conventional standard deduction or personal exemption. In their place is the nonrefundable taxpayer credit: 6% of the federal standard deduction (or of Utah itemized deductions if you itemize), plus 6% of a dependent amount of $2,111 per qualifying dependent built into the credit base. For a single filer taking the federal standard deduction the deduction part alone is worth $966. The credit is then reduced by $0.013 for each dollar of state taxable income above an indexed threshold, so higher earners see it shrink or disappear.
Source: Utah Code § 59-10-1018; Tax Foundation 2026 ($966 single credit; $2,111 dependent amount)
Utah is one of the few states that still taxes Social Security: federally taxable benefits are included in Utah income. But the state grants a nonrefundable Social Security benefits credit equal to the tax rate multiplied by those benefits, which cancels the state tax on them for most retirees. The credit phases out by 2.5 cents per dollar of modified AGI above $54,000 for single filers or $90,000 for joint filers (thresholds raised in 2025). You cannot claim it in the same year as the general retirement credit or the military retirement credit.
Source: Utah Code § 59-10-1042; Utah State Tax Commission, Social Security Benefits Credit
Utah doesn't have a conventional one. Instead you get the nonrefundable taxpayer credit: 6% of your federal standard (or itemized) deduction — $966 for a single filer at the federal standard deduction — plus 6% of the dependent amount in the credit base. The credit phases out as income rises.
On $75,000 of wages as a single filer, the Utah state tax estimate at the 4.45% rate is $2,372, leaving take-home pay of $59,221 after federal tax of $7,670, FICA of $5,738 and total tax of $15,779. Utah enacted a cut to 4.45% for 2026 — see the changes note.
Technically yes, practically often no. Utah includes federally taxable Social Security in income but gives a nonrefundable Social Security benefits credit equal to the tax rate times those benefits, which wipes out the state tax on them until modified AGI passes $54,000 single / $90,000 joint, where the credit phases out at 2.5 cents per dollar.
No — it is nonrefundable. It can reduce your Utah tax to zero but cannot generate a refund, and it is reduced by $0.013 for every dollar of state taxable income above the filing-status phase-out threshold.
Yes. The rate is a flat 4.45% for every filer and every income level in tax year 2026. Utah's 2026 legislature cut it from 4.50% (the figure in Tax Foundation's 2026 table, published earlier) retroactive to 1 January 2026.
No. Utah has no city or county income taxes. Local revenue comes from sales and property taxes instead.
Utah paycheck calculator for 2026: exact take-home pay per paycheck and per year after federal tax, Social Security, Medicare and Utah tax — on any salary or hourly wage.
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See what actually lands in your bank account from a Utah paycheck in 2026: federal income tax, Social Security and Medicare, and Utah state income tax — per paycheck and per year, on a salary or an hourly wage, at any pay frequency. Rates checked 31 October 2026; all figures are for the 2026 tax year.
On a $75,000 salary paid bi-weekly in Utah (single filer, 2026): gross per paycheck is $2,884.62, federal withholding $295.00, Social Security and Medicare $220.67, Utah tax $91.21, leaving take-home of $2,277.73 per paycheck — $59,221.00 a year.
The calculator annualises your pay, works out the year’s federal tax (2026 brackets and standard deduction, IRS Rev. Proc. 2025-32), Social Security at 6.2% to the $184,500 wage base, Medicare at 1.45% plus the 0.9% additional tax over the threshold, and Utah tax on the state’s own 2026 schedule, then divides by your pay frequency. Pre-tax deductions reduce the taxable amounts before the annual figure is split.
Utah doesn't have a conventional one. Instead you get the nonrefundable taxpayer credit: 6% of your federal standard (or itemized) deduction — $966 for a single filer at the federal standard deduction — plus 6% of the dependent amount in the credit base. The credit phases out as income rises.
On $75,000 of wages as a single filer, the Utah state tax estimate at the 4.45% rate is $2,372, leaving take-home pay of $59,221 after federal tax of $7,670, FICA of $5,738 and total tax of $15,779. Utah enacted a cut to 4.45% for 2026 — see the changes note.
Technically yes, practically often no. Utah includes federally taxable Social Security in income but gives a nonrefundable Social Security benefits credit equal to the tax rate times those benefits, which wipes out the state tax on them until modified AGI passes $54,000 single / $90,000 joint, where the credit phases out at 2.5 cents per dollar.
No — it is nonrefundable. It can reduce your Utah tax to zero but cannot generate a refund, and it is reduced by $0.013 for every dollar of state taxable income above the filing-status phase-out threshold.
Yes. The rate is a flat 4.45% for every filer and every income level in tax year 2026. Utah's 2026 legislature cut it from 4.50% (the figure in Tax Foundation's 2026 table, published earlier) retroactive to 1 January 2026.
No. Utah has no city or county income taxes. Local revenue comes from sales and property taxes instead.
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