Montana Paycheck Calculator

Curious about how much you’ll actually take home each pay period in Montana? Use this simple Montana paycheck calculator to get a quick estimate of your net earnings after federal and state deductions. Whether you’re paid hourly or on salary, this tool helps you break down your paycheck so you can budget with confidence.

How the Montana Paycheck Calculator Works

Using the calculator is easy:

• Enter your gross wages – This could be hourly pay or your annual salary.
• Select your pay frequency – Weekly, bi-weekly, monthly, or semi-monthly.
• Include pre-tax deductions – Think of things like 401(k) contributions or health insurance.
• Add any post-tax deductions – Like wage garnishments or other withholdings.
• View your estimated take-home pay – The calculator shows both taxes and net pay.

It’s designed to be fast, accurate, and helpful—no payroll background needed.

Montana Income Tax Breakdown (2025)

Montana has a progressive state income tax, which means your rate depends on how much you earn. The rates range from 1% up to 6.75%, applied across multiple income brackets. There are no local city or county income taxes, which simplifies your paycheck calculation.

In addition to state taxes, your paycheck includes:

• Federal income tax
• Social Security tax (6.2%)
• Medicare tax (1.45%)
• Additional Medicare tax (0.9%) if you earn over $200,000

Unlike some states, Montana doesn’t charge state-level payroll taxes to employees for unemployment insurance—that’s handled by employers.

What’s Included in Your Paycheck?

Understanding your paycheck helps you keep more of what you earn. Here’s what’s typically included:

• Gross Pay – Your total earnings before any deductions
• Withholdings – Includes federal and state income taxes, Social Security, and Medicare
• Pre-Tax Deductions – Contributions to health insurance, retirement plans, etc.
• Post-Tax Deductions – Deductions after tax, such as charitable contributions or court-ordered payments
• Net Pay – The actual amount you take home

Montana Payroll Rules to Know

If you live and work in Montana, here are a few payroll facts that impact your paycheck:

• Minimum Wage (2025): $10.55 per hour, and it adjusts each year for inflation
• Overtime: Paid at 1.5x regular rate for any hours worked over 40 per week
• Pay Frequency: Employers are required to pay wages at least twice per month
• Final Paycheck Rules: Employees must be paid quickly after separation, depending on who initiated termination

These laws help ensure workers are paid fairly and on time.

Common Questions About Montana Paychecks

Do I need to pay local city income tax in Montana?
No. Montana doesn’t have city or county income taxes, which keeps things simpler.

Are bonuses taxed differently?
Yes, bonuses are considered supplemental wages and may be taxed at a flat rate or added to your regular income for withholding purposes.

Can I change how much is withheld from my paycheck?
Absolutely. You can adjust federal withholdings by submitting a new W-4 to your employer. Montana also allows updates to state withholdings using its own form.