How much is taken out of my paycheck in Utah?

Federal income tax, FICA at 7.65% (Social Security + Medicare), and Utah's flat 4.5% state income tax, reduced by Utah's taxpayer tax credit. Utah has no local income tax. Enter your pay above for the split.

What is the Utah income tax rate in 2026?

Utah charges a single flat rate of 4.5% (cut from 4.55% for 2025) on income. There is no separate standard deduction; instead a taxpayer tax credit lowers the effective rate, especially for lower- and middle-income filers.

What is the Utah taxpayer tax credit?

It is a credit worth 6% of your federal deduction that reduces your Utah tax, then phases out as income rises (by 1.3% of income above about $18,200 for single filers). It is Utah's substitute for a standard deduction, and this calculator applies it automatically.

What's my take-home pay in Utah?

Take-home is your gross minus federal tax, FICA, Utah income tax (after the taxpayer credit), and any pre-tax contributions. The breakdown table above shows your exact per-paycheck and annual take-home.

Utah Paycheck Calculator: Take-Home Pay

Item	Per 2 weeks	Per year
Gross pay	$2,500	$65,000
Federal income tax	$187	$4,856
Social Security	$155	$4,030
Medicare	$36	$943
UT state income tax	$94	$2,445
401(k) contribution	$125	$3,250
Net take-home	$1,903	$49,477

How your Utah take-home pay is calculated

Your gross pay is what you earn before anything is withheld; your take-home (net) pay is what actually lands in your bank account. Between the two sit several deductions, applied in a specific order. This calculator walks gross pay through pre-tax deductions, federal income tax, FICA, and Utah state tax to estimate what you keep each paycheck.

The deductions, step by step

Pre-tax deductions, traditional 401(k), HSA, and pre-tax health premiums come out first and lower your taxable income (your 401(k) still counts for Social Security and Medicare, though).
Federal income tax, applied to income after the standard deduction using the 2025 progressive brackets for your filing status.
FICA, Social Security at 6.2% (up to the annual wage base) plus Medicare at 1.45% on all wages, with an extra 0.9% on wages above $200,000.
Utah tax, Utah charges a flat 4.5% rate (2025) on income, but instead of a standard deduction it gives a taxpayer tax credit worth 6% of your federal deduction, which phases out as income rises. That credit lowers the effective rate for low- and middle-income filers. Utah has no local income tax.

Biweekly vs. monthly, does it change your taxes?

No. Your total annual tax depends on what you earn in a year, not how often you're paid. A biweekly schedule (26 checks) simply slices the same annual take-home into smaller, more frequent amounts than a monthly schedule (12 checks). Switch the pay-frequency selector above and you'll see the per-paycheck figure change while the annual totals stay put.

Make your estimate more accurate

Set your real 401(k) percentage and HSA amount, pre-tax contributions can noticeably raise take-home-adjusted savings.
Choose the filing status that matches your W-4; married filing jointly widens the brackets.
Add your pre-tax health premium if your employer deducts it before taxes.

This is an estimate of annual tax liability, not exact per-paycheck withholding (which follows IRS Pub 15-T tables and your specific W-4). It uses 2025 federal and FICA figures and doesn't model local city taxes, post-tax deductions, or tax credits. Treat the result as a close ballpark, and check your actual pay stub for the precise numbers.