Last updated: September 2026

Utah Income Tax Calculator

Utah taxes all income at one rate, 4.45% for 2026, but it isn't quite a flat tax. Instead of a standard deduction, Utah gives a taxpayer tax credit that shrinks as income rises, so the effective rate climbs until the credit is gone. A single filer earning $80,000 owes about $3,397, 4.2% of income, against $3,458 for 2025.

Utah tax data current for 2025 & 2026 · 2027 available as a projection · Updated for the One Big Beautiful Bill Act

Estimate Your Tax Bill

Income
$
$

SE tax and the deductible half are calculated automatically.

$
Deduction
Standard deduction —

Results update automatically as you type.

Estimated Total Tax
—
federal + state + SE
Wages / Salary —
Total Income —
Adj. Gross Income —
Standard Deduction —
Taxable Income —
Federal Income Tax —
Total Tax —
Effective Rate
—
total tax / total income
Marginal Rate
—
federal, on last dollar

Estimate only. Does not include credits, AMT, or investment income at preferential rates.

Federal Tax Bracket Breakdown

Enter your income above to see how your tax is calculated bracket by bracket.

Utah Income Tax at Common Salaries (2026)

Estimated annual federal and Utah state income tax for a single filer, after the standard deduction. Numbers reflect the 2026 IRS tax tables and the 2026 Utah state tax schedule. FICA (Social Security and Medicare) is not income tax — see the calculator above for full paycheck modeling.

Salary Federal Tax UT Tax Total Income Tax Effective Rate
$40,000 $2,620 $1,097 $3,717 9.3%
$60,000 $5,020 $2,247 $7,267 12.1%
$80,000 $8,770 $3,397 $12,167 15.2%
$100,000 $13,170 $4,450 $17,620 17.6%
$150,000 $24,734 $6,675 $31,409 20.9%
$200,000 $36,734 $8,900 $45,634 22.8%

Single filer using the standard deduction. Includes the $966 taxpayer tax credit; no other credits, itemized deductions, or pre-tax adjustments.

What's different about Utah income tax

The sixth rate cut since 2018

SB 60 lowered the rate from 4.5% to 4.45% for all of 2026, even though it took effect on May 6. The rate was 4.95% from 2018 through 2021, then 4.85%, 4.65%, 4.55%, and 4.5% in 2025. Utah applies the same rate to capital gains and to corporate income.

A credit in place of a deduction

The taxpayer tax credit is 6% of your federal standard or itemized deduction, plus 6% of $2,111 for each dependent on 2025 returns. With the 2026 federal standard deduction that is $966 for a single filer and $1,932 for a joint return. It shrinks by 1.3% of income above $18,213 ($36,426 joint), so a single filer without dependents loses it entirely at about $92,500 and a joint filer at about $185,000. In that range each extra dollar costs 5.75%, not 4.45%.

Social Security is taxed, then credited back

Utah starts from federal income, so taxable Social Security benefits are included. A separate credit gives back the tax on those benefits (4.5% of them on 2025 returns) in full for single filers with income up to $54,000 and joint filers up to $90,000, then shrinks by 2.5 cents per dollar above that. It can't be claimed alongside the retirement credit.

A child credit for the youngest

For 2025 the child tax credit is $1,000 for each child who qualifies for the federal credit and is five or younger at year end, an age limit HB 106 raised in 2025. It shrinks by 10 cents per dollar of income above $43,000 for single filers and $54,000 for joint filers. Like most Utah credits, it can reduce the tax to zero but isn't refunded.

Utah tax credits (2025 returns)

Credits come off the tax itself, after the brackets. The calculator applies only the ones marked; the rest depend on your family and income, so subtract any you qualify for from the estimate.

Credit Amount Who gets it In calculator
Taxpayer tax credit 6% of the federal deduction and dependent exemptions, less 1.3% of income over the base All filers; phases out as income rises Yes
Child tax credit $1,000 per child age 5 or younger, reduced above $43,000 ($54,000 joint) Parents of children who qualify for the federal child tax credit No
Social Security benefits credit 4.5% of taxable benefits, reduced above $54,000 ($90,000 joint) Recipients of taxable Social Security benefits No
Earned income tax credit 20% of the federal EITC; not refundable Workers who claim the federal EITC and have Utah wages No

Utah Income Tax Brackets (2026)

Utah has a flat income tax of 4.45% for 2026. Both single and joint filers pay the same rate on all taxable income.

Taxpayer tax credit
No deduction from income; instead a credit of up to $966 single · $1,932 joint comes off the tax, shrinking by 1.3% of income over $18,213 ($36,426 joint).

Taxable income equals gross wages minus pre-tax deductions.

Filing and paying Utah income tax

Return
Form TC-40, due April 15.
Who owes nothing
If your federal AGI is no more than your federal standard deduction, you are exempt from Utah income tax.
Withholding
Employers use Publication 14; the 4.45% tables apply to pay periods beginning on or after June 1, 2026.

To see how Utah sits against every other state on top rate, bracket count and standard deduction, see state income tax rates for 2026 — all 51 jurisdictions in one sortable table.

How Utah Income Tax Compares to Neighboring States

Total income tax (federal + state) on a $100,000 annual salary in 2026, single filer using the standard deduction:

State State Tax Total Income Tax vs. Utah
Utah (here) $4,450 $17,620 —
Idaho $4,202 $17,372 -$248
Wyoming $0 $13,170 -$4,450
Colorado $3,692 $16,862 -$758
Arizona $2,098 $15,268 -$2,353
Nevada $0 $13,170 -$4,450

A negative "vs." figure means that state collects less total income tax than Utah. Federal portion is identical across states; only state tax varies.

Frequently Asked Questions

What is the Utah state income tax rate for 2026?

Utah has a flat 4.45% state income tax rate for 2026. The rate is the same regardless of income — applied to all taxable income, then reduced by the taxpayer tax credit, which phases out as income rises. Federal rates (10%–37%) layer on top.

How much income tax will I pay in Utah on a $100,000 salary?

For a single filer earning $100,000 in Utah in 2026, expect approximately $13,170 in federal income tax and $4,450 in Utah state income tax — for a total income tax of about $17,620, an effective rate of 17.6%. This excludes FICA (Social Security and Medicare), which adds roughly 7.65% on top.

What is the Utah income tax rate for 2026?

4.45%, down from 4.5% for 2025. SB 60 applies the lower rate to the whole 2026 tax year.

Does Utah have a standard deduction?

No. It has a taxpayer tax credit instead: 6% of your federal standard or itemized deduction, reduced by 1.3% of income above $18,213 for single filers.

Does Utah tax Social Security?

Benefits are included in income, but a credit gives back the tax on them in full up to $54,000 of income (single) or $90,000 (joint), and partly above that.

Is Utah's income tax really flat?

The rate is. Because the taxpayer tax credit phases out, the share of income paid rises until the credit is gone, at about $92,500 for a single filer.

For the preferential federal rates on long-term gains, see the Capital Gains Tax Calculator. For the federal brackets, standard deduction, and Social Security wage base that sit underneath this state calculation, see 2026 Tax Calculators.

More Utah Calculators

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Per-paycheck take-home after federal and state income tax and FICA.
Utah Sales Tax
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All-States Income Tax

The general income tax calculator with every U.S. state.

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