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Everyday money · MT

Montana Income Tax Calculator

Estimate your 2026 combined federal and Montana income tax — Montana adds progressive state income tax on top of federal.

InputsTY-2026
$
$
$
Federal + state tax17.5% effective
$17,459/yr
10% on $12,400$1,240
12% on $38,000$4,560
22% on $33,500$7,370
federal tax subtotal$13,170
MT state tax$4,289
taxable income
$83,900
marginal rate
22.0%
after tax
$82,541

A single filer earning Montana's median household income of $81,920 owes about $3,268 in Montana state income tax — an effective state rate of 3.99%. That is state tax only, on top of federal income tax and FICA.

Based on 2026 Montana rules and 2026 federal rules, with the standard deduction and no other adjustments. Median income is the 2024 Census figure.

Income tax in Montana

Montana has two brackets for 2026 — 4.7% up to $47,500 single / $95,000 joint and 5.65% above — computed from federal taxable income, so the federal standard deduction effectively applies. House Bill 337 cut the top rate from 5.9% and more than doubled the width of the lower bracket, with a further cut to 5.4% due in 2027.

Montana income tax structure (2026)

Montana uses 2 progressive brackets on income above a $16,100 standard deduction (single). Single-filer brackets:

$0 – $47,5004.70%
over $47,5015.65%

Married-filing-jointly thresholds differ (roughly double in most states). Each slice of income is taxed at its own rate — landing in a bracket does not tax your whole income at that rate.

Common questions

What are Montana's income tax brackets?
Montana has just two brackets for 2026: 4.7% on the first $47,500 of taxable income for a single filer, and 5.65% on everything above that. Taxable income here is your pay after a $16,100 standard deduction ($32,200 joint). Joint filers get their own, wider thresholds.
What is the top income tax rate in Montana?
5.65%, and it begins at $47,500 of taxable income for a single filer — about $63,600 of gross pay, once the $16,100 Montana subtracts first is added back. Only income above that point is taxed at that rate; everything below it is taxed in the lower bands.
What is the tax bill on $81,920 in Montana?
A single filer on Montana's $81,920 median household income (2024 Census figure) owes roughly $3,268 to Montana — an effective state rate of 4.0% against a 5.65% marginal bracket — plus about $9,192 of federal income tax.
Does Montana have a standard deduction?
Yes — $16,100 for a single filer and $32,200 on a joint return, subtracted before Montana's 4.7%-to-5.65% schedule is applied. A single filer earning less than $16,100 therefore owes no Montana income tax at all, and at the state's $81,920 median income it saves about $910 of tax.

How we calculate this

Federal brackets per our income-tax methodology, plus Montana's 2026 state tax. Estimates only — not tax advice.

Montana Department of Revenue — HB 337 (income tax changes effective tax year 2026) →Tax Foundation: State Individual Income Tax Rates and Brackets, 2026 →

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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. Montana's two-rate 4.7%–5.65% schedule is applied with the $16,100 standard deduction for a single filer — not itemized deductions or any Montana tax credit. It also excludes any local, county, or school-district tax your municipality may add.