Montana Paycheck Calculator

Four tax lines come out of a Montana paycheck: federal income tax, Social Security (6.2% up to $184,500), Medicare (1.45%), and Montana state withholding. No Montana city or county taxes wages, and the state takes no disability, paid-leave, or unemployment deduction from employees. Anything else on your stub is your own election: 401(k), health premiums, HSA, and similar benefits.

Montana's 2026 formula annualizes your pay and applies the table for the filing status on your Form MW-4. Nothing is withheld on the first $16,100 (single or married filing separately), $32,200 (married filing jointly), or $24,150 (head of household), matching the 2026 federal standard deduction. Wages above that are withheld at 4.7% up to $63,600, $127,200, or $95,400, then 5.65%. Married couples who both work can check the box on MW-4 line 2 to use the single table, and employers use the single table when no MW-4 is on file.

Since the 2024 redesign, Montana withholding has no personal exemptions, dependent exemptions, or state deductions, so filing status is the only input that changes the formula. Form MW-4 line 3 adds a fixed extra amount per paycheck, and line 4 lets you name a specific amount to withhold in place of the calculation; neither is modeled here. The Department of Revenue rounds each paycheck's withholding up to the whole dollar, while this calculator shows cents, so a stub can read up to 99 cents higher.

House Bill 337 cut Montana's top rate from 5.9% to 5.65% for 2026 and widened the 4.7% band from about $21,100 to $47,500 of taxable income for single filers; the 2027 tables move to a 5.4% top rate with wider bands. Bonuses paid separately are withheld at a flat 5% for Montana alongside the 22% federal rate, and this site's bonus calculator applies 5%. Montana's only reciprocity agreement is with North Dakota: North Dakota residents claim the exemption on MW-4 line 5c and owe no Montana withholding.