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Montana State Income Tax Calculator

Calculate your 2026 Montana state income tax. See your bracket breakdown, effective rate, and how Montana compares to neighboring states.

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Montana · 2026
State Taxable Income
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Effective Rate
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State Tax
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Annual Amount After Income Tax
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Monthly Allocation After Income Tax
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Weekly Allocation After Income Tax
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The annual amount is gross income minus entered pre-tax deductions and modeled federal and state income tax. Monthly and weekly amounts divide it by 12 and 52. These allocations exclude Social Security and Medicare (FICA), local taxes, other payroll taxes, and unmodeled paycheck deductions. They do not estimate paycheck take-home or actual withholding.

Effective State Income Tax Rate vs Neighboring States

About Montana state taxes (Tax year 2026)

For 2026, Montana taxes the first $47,500 of ordinary taxable income for single filers, $95,000 for joint filers or $71,250 for heads of household at 4.7%. Ordinary income above those amounts is taxed at 5.65%. For 2026, Montana uses federal basic standard deductions of $16,100 for single filers, $32,200 for joint filers and $24,150 for heads of household. This ordinary-income estimate excludes additional deductions, net long-term capital gains, other adjustments and credits.

Montana has no state or local sales tax. Some resort communities may charge a small local resort tax.

Montana's top rate of 5.65% is above the national average, but the complete absence of sales tax makes its overall tax burden moderate compared to most states.

Filing in Montana: returns for tax year 2026 are administered by the Montana Department of Revenue and are generally filed in 2027 by the federal April deadline unless Montana declares a state-specific extension. Tax type on this return: Progressive. Top marginal rate: 5.65%. State sales-tax rate: 0%. For the most current contact info, see the Federation of Tax Administrators directory.

Montana — What is Montana's income tax rate? For 2026, Montana taxes the first $47,500 of ordinary taxable income for single filers, $95,000 for joint filers or $71,250 for heads of household at 4.7%. Ordinary income above those amounts is taxed at 5.65%.

Montana — Does Montana have a sales tax? No, Montana has no state or local sales tax. It is one of five states with no sales tax. Some resort areas may charge a small local resort tax on lodging and restaurants.

Montana — How does Montana fund its government without sales tax? Montana relies on income taxes, property taxes, resource extraction taxes (mining, oil, gas), and various fees to fund state and local government services.

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Reviewed methodology

How this page is reviewed

High YMYL · Last verified 2026-11-06

See methodology, assumptions & sources
Risk tierHigh YMYL
AuthorCalculover Editorial Team Tax education
Editorial ownerCalculover Tax & Payroll Desk State-tax methodology owner
ReviewerCalculover Editorial Review Government-source and limitation review
Last reviewed2026-11-06
Last verified2026-11-06
Data effective date2026-01-01
JurisdictionMontana

Methodology

These pages estimate annual state income tax for the selected 2026 jurisdiction and filing status. The route's coverage panel identifies the supported income basis, deductions, credits and exclusions.

Assumptions

  • Enter the income basis and eligible pre-tax deductions requested by the calculator; gross wages, federal AGI and state AGI are not interchangeable.
  • Some methods require confirmed state facts or explicit projection assumptions. An unavailable component is not zero tax.

Limitations

  • The estimate excludes unmodeled income, adjustments, local taxes and special filing situations. Utah's indexed-credit assumptions remain provisional while final 2026 instructions are pending.
  • Annual liability differs from withholding and paycheck take-home. Confirm the current official forms and source versions for a complete return.

Sources

Professional guidance: This page is for state-tax education only and is not tax, legal, financial, or investment advice. State tax decisions and multi-state filing should be reviewed with a CPA or enrolled agent licensed in the relevant states.

Montana Income Tax FAQs

How is Montana income tax calculated?

Montana uses a progressive income tax system — higher incomes are taxed at higher marginal rates. Your income is divided into brackets, and each portion is taxed at the corresponding rate. Use the Bracket Breakdown tab above for a detailed breakdown of your specific situation.

What is the Montana income tax rate for 2026?

For 2026, Montana taxes the first $47,500 of ordinary taxable income for single filers, $95,000 for joint filers or $71,250 for heads of household at 4.7%. Ordinary income above those amounts is taxed at 5.65%.

What is the difference between marginal and effective Montana tax rate?

Your marginal rate is the rate on your last dollar of income. Your effective rate is the average rate across all your income — total tax divided by total income. The effective rate is almost always lower than the marginal rate due to the progressive bracket structure.

How can I reduce my Montana income taxes?

Common strategies include maximizing pre-tax retirement contributions (401k, traditional IRA), contributing to an HSA if eligible, claiming all deductions you qualify for, and timing income or deductions strategically. Consult a qualified tax professional for personalized advice.

Does Montana have a standard deduction?

For 2026, Montana uses federal basic standard deductions of $16,100 for single filers, $32,200 for joint filers and $24,150 for heads of household. This ordinary-income estimate excludes additional deductions, net long-term capital gains, other adjustments and credits.