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Everyday money · MT

Montana Income Tax Calculator

Estimate your 2025 combined federal and Montana income tax — Montana adds progressive state income tax on top of federal.

InputsTY-2025
$
$
$
Federal + state tax18.2% effective
$18,167/yr
10% on $11,925$1,193
12% on $36,550$4,386
22% on $35,775$7,871
federal tax subtotal$13,449
MT state tax$4,718
taxable income
$84,250
marginal rate
22.0%
after tax
$81,833

Income tax in Montana

Montana has two brackets for 2025 — 4.7% up to $21,100 single / $42,200 joint and 5.9% above — computed from federal taxable income, so the federal standard deduction effectively applies. Long-term capital gains get preferential rates of 3.0% and 4.1%, so this estimate overstates tax on large long-term gains. A 2025 law cuts the top rate to 5.65% in 2026 and 5.4% in 2027, but 2025 rates are unchanged.

Common questions

What is the Montana state income tax rate?
Montana has progressive state income tax brackets, applied on top of your federal tax.
Does Montana tax capital gains?
Yes — Montana taxes capital gains as ordinary income at the same rate as your wages.

How we calculate this

Federal brackets per our income-tax methodology, plus 2025 Montana state tax. Estimates only — not tax advice.

Tax Foundation: 2025 state income tax rates →Montana Dept. of Revenue →
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Estimates for general informational purposes only; not tax advice. Montana figures are simplified (credits, local taxes, and AGI adjustments vary) and should be verified with the state Department of Revenue.