Utah Paycheck Calculator 2026
Enter your pay to see what lands in your bank account. Utah taxes wages at a flat 4.45% in 2026, minus a small credit that fades out as pay rises — we show every line.
| Per paycheck | Amount | Per year |
|---|---|---|
| Gross pay | $2,115.38 | $55,000.00 |
| Federal income tax · withheld | −$170.00 | −$4,420.00 |
| Social Security (6.2%) | −$131.15 | −$3,410.00 |
| Medicare (1.45%) | −$30.67 | −$797.50 |
| Utah income tax · withheld | −$94.00 | −$2,444.00 |
| Take-home pay | $1,689.56 | $43,928.50 |
How the federal income tax was worked out
| Pay subject to income tax, for the year · $2,115.38 × 26 paychecks | $55,000.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $46,400.00 |
| Tax from the IRS yearly table · standard table | $4,420.00 |
| Federal income tax per paycheck · divided by 26 | $170.00 |
IRS Publication 15-T (2026), Worksheet 1A — the percentage method payroll software uses for a Form W-4 from 2020 or later. Your employer's figure can differ by a few cents because of rounding.
How the Utah income tax was worked out
| Utah taxable pay this paycheck · same as federal: after pre-tax 401(k) and benefits (line 1) | $2,115.38 |
| Tax at 4.45% · line 2, to the nearest dollar | $94.00 |
| Base allowance (credit) · line 3, Single column | $19.00 |
| Pay above the phase-out point · line 4: pay minus $360 | $1,755.38 |
| Credit phase-out at 1.3% · line 5, to the nearest dollar | −$23.00 |
| Credit left · line 6: line 3 minus line 5, not below zero | $0.00 |
| Utah income tax withheld this paycheck · line 7: line 2 minus line 6 | $94.00 |
What comes out of a Utah paycheck
- Federal income tax withholding — worked out from your pay and your Form W-4, using the IRS tables for 2026.
- Social Security — 6.2% of your pay, up to $184,500 of pay in 2026. Above that, it stops for the rest of the year.
- Medicare — 1.45% of all your pay, plus 0.9% on pay above $200,000 in the year.
Utah has a flat 4.45% income tax for 2026. Employers withhold it with the schedules in the State Tax Commission's Publication 14, one for each pay frequency:
- Start with your pay subject to income tax — after a traditional 401(k) and pre-tax health insurance, the same as for federal tax.
- Multiply it by 4.45%.
- Take off a base allowance, which works like a small credit. On a yearly basis it's $485 on the Single column and $970 on the Married column. Every two weeks, that's $19 or $37.
- The credit shrinks by 1.3% of your pay above a set point — $9,348 a year on the Single column, $18,696 on the Married column ($360 or $719 every two weeks). Once it hits zero, you simply pay 4.45% of your pay.
The worked examples in Publication 14 show each line in whole dollars, so we round the same way. Unemployment insurance is paid by your employer; nothing for it comes out of your wages.
What's different about Utah
No state W-4
Utah doesn't have its own withholding form. Your employer reads the filing status on your federal W-4. Married filing jointly uses the Married column. Single and married filing separately use the Single column — and so does head of household, which gets no bigger credit for withholding. The allowances and dependents on your W-4 don't lower Utah withholding.
The credit fades out
The base allowance helps most on smaller paychecks. On a bi-weekly Single paycheck, the $19 credit starts shrinking once pay passes $360 and is gone by about $1,822. Above that, Utah withholding is just 4.45% of your taxable pay.
The rate was cut this year
A 2026 law lowered the rate from 4.5% in 2025 to 4.45% for all of 2026. The new withholding schedules apply to pay periods starting on or after June 1, 2026. Paychecks earlier in the year used the older schedules, so they may show a little more tax than this calculator.
Paydays and your last paycheck
Utah employers must pay at least twice a month, within 10 days after each pay period ends. People hired on a yearly salary can be paid monthly, by the 7th of the next month. If your employer lets you go, your final wages are due within 24 hours. If you quit, they're due on the next regular payday.
Unpaid wages
The Utah Labor Commission's Wage Claim Unit looks into claims from $50 to $10,000. A claim must be filed within 1 year of earning the wages.
Why your paycheck might differ from this
- Your W-4. Credits for children (Step 3), a checked Step 2 box, or extra withholding (Step 4c) change the federal amount a lot. Open "Tips, 401(k), health insurance and W-4 details" above to enter them.
- Benefits taken before tax. Health insurance through work usually lowers income tax and Social Security and Medicare. A traditional 401(k) lowers income tax only.
- Rounding. Payroll software may round each step, so a few cents of difference is normal.
Tips and overtime in 2026
New federal deductions apply for 2025 through 2028: up to $25,000 for qualified tips, and up to $12,500 ($25,000 for joint filers) for the extra "half" of time-and-a-half overtime. Both phase out above $150,000 of income ($300,000 joint).
These are deductions on your tax return. Your employer still takes Social Security and Medicare out of tips and overtime, and still withholds income tax unless you tell it otherwise. If you expect to claim them, you can put the expected amount in Step 4(b) of your W-4 (and in the Step 4(b) box above) so less income tax is withheld during the year.
Other Utah calculators
Paycheck calculator · Hourly paycheck calculator · Salary paycheck calculator · What changed for 2026
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Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide — Social Security and Medicare rates
- Social Security Administration — 2026 wage base of $184,500
- IRS — tips and overtime deductions
- Utah State Tax Commission — Publication 14, Withholding Tax Guide (Rev. 4/26, effective June 1, 2026) — 4.45%; base allowances and 1.3% phase-out by pay period; Single column for head of household; worked examples
- Utah State Tax Commission — Pub 14 page — withholding is based on wages subject to federal withholding
- Utah Legislature — S.B. 60, Income Tax Rate Amendments (2026), enrolled — individual rate 4.45% for taxable years beginning on or after January 1, 2026
- Utah State Tax Commission — TC-40 instructions, tax year 2025 — 2025 rate 4.5%; taxpayer tax credit phase-out at 1.3%
- Utah State Tax Commission — Employer withholding — withholding based on the employee's federal W-4 and the Utah tables
- Utah Department of Workforce Services — Unemployment insurance notice to workers — paid by your employer; no deductions from your wages
- Utah Labor Commission — Minimum wage — $7.25; tipped employees $2.13 if tips bring them to the minimum; minors $4.25 for the first 90 days
- Utah Code § 34-28-3 — Regular paydays — at least semimonthly; within 10 days after the period; yearly salary monthly by the 7th
- Utah Code § 34-28-5 — Separation from payroll — within 24 hours when the employer separates you; next regular payday when you quit
- Utah Labor Commission — Wage claim intake questionnaire — claims of $50 to $10,000, within one year; federal overtime questions go to the U.S. Department of Labor
Questions
How much Utah tax comes out of my paycheck?
4.45% of your taxable pay, minus a small credit that fades out as pay rises. Above about $46,656 a year on the Single column, it's a straight 4.45%.
How much is taken out of a $1,000 paycheck in Utah?
For a single filer paid every two weeks with nothing else on the W-4, a $1,000 paycheck has about $38.08 of federal income tax, $62.00 of Social Security and $14.50 of Medicare taken out, $34.00 of Utah income tax, leaving $851.42. Enter your own details in the calculator for your exact figure.
What is $20 an hour after taxes in Utah?
Working 40 hours a week and paid every two weeks, $20 an hour is $1,600.00 before tax and about $1,301.45 after tax per paycheck — $33,837.60 a year — for a single filer with a standard W-4.
Does Utah have its own W-4?
No. Your employer uses the filing status from your federal W-4.
I'm head of household. Why is my Utah withholding the same as a single person's?
Publication 14 tells employers to use the Single column for head of household.
Why did my Utah withholding drop in June?
The rate fell to 4.45% for 2026, and the new schedules apply to pay periods starting on or after June 1, 2026.
Are there other state deductions on a Utah paycheck?
Unemployment insurance is paid by your employer, not taken from your wages.