Utah Paycheck Calculator
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Enter your pay, how often you are paid and the answers on your Form W-4, and this Utah paycheck calculator shows your 2026 take-home pay. It follows the State Tax Commission's withholding schedules, 4.45% of pay less a base allowance that fades out as pay rises, and works out the employer's side of the bill under it.
State
UtahUtah takes 4.45% of your pay, less a base allowance that fades out as pay rises, using the single or the married column of its withholding schedule, to the whole dollar.
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I'm paid
Form W-4 steps 2 to 4
Two jobs with similar pay, or both spouses work.
Step 3: $2,200 each.
Step 3: $500 each.
Step 4(a).
Step 4(b).
Step 4(c).
2026 limit $24,500.
Pre-tax.
2026 limit $8,750.
Take-home pay per paycheck
$1,835.07
$2,307.69 gross · $472.62 withheld (20.5%)
Where this paycheck goes
- Gross pay
- $2,307.69
- Federal income taxIRS Publication 15-T (2026) percentage method, worked from your Form W-4 entries.
- - $193.08
- Social Security6.2%Social Security tax stops once your pay for the year reaches the $184,500 wage base.
- - $143.08
- Medicare1.45%
- - $33.46
- Additional Medicare0.9%Withheld on pay above $200,000 in a calendar year, whatever your filing status.
- - $0.00
- Utah income taxUtah takes 4.45% of your pay, less a base allowance that fades out as pay rises, using the single or the married column of its withholding schedule, to the whole dollar.
- - $103.00
- 401(k)Skips federal income tax, but Social Security and Medicare still apply.
- - $0.00
- Health premiumsThrough a cafeteria plan, these skip income tax, Social Security and Medicare.
- - $0.00
- HSA
- - $0.00
Over the year, 26 paychecks
- Gross pay
- $60,000
- Taxes
- - $12,288
- Pre-tax deductions
- - $0
- Share kept
- 79.5%
Of every $100 of gross pay, $80 is take-home.
Federal income tax$5,020 · 8.4%
Social Security$3,720 · 6.2%
Medicare$870 · 1.4%
Utah income tax$2,678 · 4.5%
Take-home pay$47,712 · 79.5%
Take-home pay rises with every extra dollar of salary.
Gross payTake-home pay
This pay costs the employer $64,941 a year, $2,497.74 each pay period.
What the employer adds, per year
- Employer Social Security6.2% to $184,500
- $3,720
- Employer Medicare1.45%
- $870
- Federal unemployment (FUTA)0.6% of the first $7,0006.0% less a 5.4% credit. The Labor Department's September 2026 list of states that may lose part of that credit names only California and the Virgin Islands.
- $42
- Utah unemployment0.61% of the first $50,700Utah gives a new employer no single rate: it is the average rate of the employer's industry. This estimate uses the state's average rate on taxable wages, 0.61% in the U.S. Labor Department's 2024 report, on the first $50,700 of each employee's pay.
- $309
Total cost of the employee
- Gross pay
- $60,000
- Employer taxes
- + $4,941
- Per pay periodUnemployment taxes stop at their wage bases, so the first paychecks of the year cost more than the last.
- $2,497.74
See which of your own people may be leaving, before they hand in notice.
Start 30-Day Free TrialUtah withholds 4.45% of pay, less a small base allowance that fades out as pay rises.
Publication 14 gives employers seven lines. They take 4.45% of the paycheck, then subtract a base allowance ($19 biweekly for a single employee, $37 for a married one) that shrinks by 1.3% of pay above a threshold. These are the schedules the Commission published for pay periods beginning on or after June 1, 2026, and the calculator uses them for every paycheck of the year. Once the allowance has faded out, at about $1,784 a paycheck for a single employee, the tax is simply 4.45% of the whole paycheck.
A $60,000 Utah salary takes home $1,835.07 every two weeks.
The calculator opens on this case: a single employee on a standard Form W-4, paid every two weeks, with no pre-tax deductions. Each line of Schedule 2 is carried to the whole dollar, as in the publication's own examples.
- Gross pay: $60,000 ÷ 26 = $2,307.69
- Federal income tax: $193.08
- Utah income tax: $2,307.69 × 4.45% = $103; 1.3% × ($2,307.69 − $360) = $25, which is more than the $19 base allowance, so the allowance is $0; $103 − $0 = $103
- Social Security: 6.2% × $2,307.69 = $143.08; Medicare: 1.45% = $33.46
- Take-home pay: $1,835.07 a paycheck, $47,711.88 a year
Of $60,000 gross, $47,712 reaches the bank account.
Federal income tax$5,020 · 8.4%
Social Security$3,720 · 6.2%
Medicare$870 · 1.4%
Utah income tax$2,678 · 4.5%
Take-home pay$47,712 · 79.5%
Each paycheck: $1,835.07Kept: 79.5%
The allowance matters only at low pay, where a $20,000 salary has $520 withheld instead of 4.45%.
For a year, the single allowance is $468 and starts to shrink above $9,360 of pay, so at low pay it takes a visible bite out of the 4.45%. By the time pay passes the point where it is gone, the share of pay withheld is the full rate.
The share of pay Utah withholds rises with pay until the base allowance has faded away, then stays at about 4.45%.
$20,000 a year2.60% of pay, $520
$30,000 a year3.64% of pay, $1,092
$60,000 a year4.46% of pay, $2,678
$150,000 a year4.45% of pay, $6,682
A married employee has $87 withheld from this paycheck, against $103 single.
Utah takes only the filing status on the federal W-4. The Married column has an allowance of $37 instead of $19 that does not fade out until about $3,527 a paycheck. The schedules have only a Single and a Married column, and head of household uses the Single one.
The filing status on the W-4 sets the Utah tax of a biweekly paycheck, from $87 to $103.
Single$103.00
Head of household, Single column$103.00
Married$87.00
Utah withholds on federal wages, so a 401(k) lowers the tax.
Publication 14 says Utah calculates withholding on wages subject to federal withholding as the IRS defines them. A 401(k) deferral of 6% on the $60,000 example is $138.46 a paycheck, and it lowers Utah withholding by $6.00. Social Security and Medicare still apply to a 401(k) deferral, but not to health premiums or an HSA contribution made through a cafeteria plan.
A 6% 401(k) lowers federal tax by $16.62 and Utah tax by $6.00 a paycheck.
Federal tax, no 401(k)$193.08
Federal tax, 6% 401(k)$176.46
Utah tax, no 401(k)$103.00
Utah tax, 6% 401(k)$97.00
Hiring that employee costs $64,941 a year in Utah.
On top of the $60,000, the employer matches Social Security and Medicare at 6.2% and 1.45%, which is $4,590. It pays federal unemployment tax of 0.6% on the first $7,000, which is $42; Utah is not on the Labor Department's list of states with a 2026 credit reduction. Utah unemployment tax applies to the first $50,700 of pay, and a new employer gets its industry's average rate. At 0.61%, the state average, that is $309.27 a year per employee. The employee pays nothing toward it.
On $60,000 of pay, the employer owes $4,941 more in taxes.
Employer Social Security$3,720
Employer Medicare$870
Utah unemployment$309
Federal unemployment (FUTA)$42
Take-home pay in Utah runs from $32,656 on $40,000 to $107,109 on $150,000.
For a single employee, paid every two weeks. At $100,000 the year's take-home is $74,734. For the neighbor to the south, see the Arizona paycheck calculator.
| Salary | Federal tax | Social Security and Medicare | Utah taxes | Take-home a year | Every two weeks |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,664 | $32,656 | $1,256.00 |
| $50,000 | $3,820 | $3,825 | $2,236 | $40,119 | $1,543.05 |
| $60,000 | $5,020 | $4,590 | $2,678 | $47,712 | $1,835.07 |
| $75,000 | $7,670 | $5,738 | $3,328 | $58,264 | $2,240.94 |
| $100,000 | $13,170 | $7,650 | $4,446 | $74,734 | $2,874.38 |
| $150,000 | $24,734 | $11,475 | $6,682 | $107,109 | $4,119.58 |
Methodology & sources
The formula this calculator uses is shown in full above, and every assumption is an input you control. There are no hidden industry presets. All math runs in your browser; nothing you enter is stored or sent to a server. For the reasoning behind the formula and its edge cases, see:
- IRS Publication 15-T (2026): Federal Income Tax Withholding Methods, Percentage Method Tables for Automated Payroll Systems
- IRS Publication 15 (2026), Employer's Tax Guide: Social Security wage base of $184,500, Medicare, FUTA, 401(k) and cafeteria plan treatment
- IRS Form W-4 (2026): Step 3 credits of $2,200 and $500
- IRS Topic 751: Social Security and Medicare withholding rates, Additional Medicare Tax over $200,000
- IRS Instructions for Form 940: FUTA tax of 6.0% less a credit of up to 5.4%, on the first $7,000
- U.S. Department of Labor: FUTA credit reductions, potential 2026 list (California and the Virgin Islands)
- IRS: 401(k) limit of $24,500 for 2026
- IRS Rev. Proc. 2025-19: 2026 HSA limits of $4,400 and $8,750
- U.S. Department of Labor, Fact Sheet #23: overtime at time and one-half over 40 hours in a workweek
- Utah State Tax Commission: Publication 14, Withholding Tax Guide (Rev. 4/26), Utah Withholding Schedules at 4.45% for pay periods beginning on or after June 1, 2026
- Utah State Tax Commission: Publication 14 page (withholding is based on the federal W-4 filing status and the Utah schedules or tables)
- Utah Department of Workforce Services: unemployment insurance tax rates (new employers get their industry's average rate, 2026 wage base $50,700, rates 0.1% to 7.1%)
- U.S. Department of Labor: Significant Measures of State Unemployment Insurance Tax Systems, 2024 (average tax rate on taxable wages by state)
Frequently asked questions
- How does Utah work out the income tax taken from my paycheck?
- Publication 14's withholding schedules have your employer take 4.45% of the paycheck, then subtract a small base allowance that fades out as pay rises: $19 for a single employee paid every two weeks, reduced by 1.3% of pay over $360. Every product is carried to the whole dollar. For a $60,000 salary paid every two weeks, that is $2,307.69 × 4.45% = $103, an allowance that has faded to $0, and $103 withheld.
- How much is $60,000 a year after tax in Utah?
- For a single employee paid every two weeks, a $60,000 salary takes home $1,835.07 a paycheck, or $47,711.88 a year. The year's taxes are $5,020.08 of federal income tax, $2,678.00 of Utah income tax, $3,720.08 of Social Security and $869.96 of Medicare.
- How much is $20 an hour after tax in Utah?
- At 40 hours a week and weekly pay, $20 an hour is $800.00 gross and $649.72 take-home a week for a single employee. That is $54.08 of federal income tax, $35.00 of Utah income tax, $49.60 of Social Security and $11.60 of Medicare. Switch to hourly in the calculator to type your own hours, including overtime.
- Does Utah have its own withholding form or allowances?
- No. Utah withholds from the federal Form W-4 and the Utah withholding schedules, and the publication says no subtraction is made for personal or other withholding allowances claimed on the federal form. The only things that matter are the filing status on the W-4, single or married, and the pay. Head of household uses the Single column.
- Why does Utah withhold less from a married employee?
- The Married column of the schedule has a bigger base allowance, $37 against $19 biweekly, and it fades out later, so it lasts until about $3,527 a paycheck instead of $1,784. On the $60,000 example a married employee has $87 withheld a paycheck against $103 single, whatever the spouse earns. Head of household uses the Single column: $103.
- How does Utah tax a bonus?
- Utah publishes no separate bonus method: a bonus is wages and goes through the same withholding schedules. This calculator treats all pay as regular pay, and the bonus tax calculator works out the bonus case.
- What if I live in another state but work in Utah?
- An employer does not withhold Utah tax from a nonresident who has no other Utah income, works in Utah for 20 days or less, and lives in a state that has no income tax or that exempts nonresidents' wages with a similar rule. The exclusion does not apply to professional athletes, professional entertainers, prominent persons paid per event, real property laborers or key employees. An active duty service member's nonresident spouse can also be exempt, by writing a note under box 4c of the federal W-4.
- What does a 401(k), an HSA or a health plan do to my Utah paycheck?
- Utah calculates withholding on wages subject to federal withholding, as the IRS defines them, so this calculator takes a 401(k) deferral, health premiums through a cafeteria plan and HSA contributions through one out of the pay before it applies the schedule. Putting 6% of a $60,000 salary into a 401(k) ($138.46 a paycheck) cuts Utah withholding by $6.00 and take-home pay by only $115.84. A $100 HSA contribution a paycheck cuts Utah withholding by $5.00.
- Who pays unemployment tax in Utah, and how much is it?
- The employer does, to the Department of Workforce Services, and nothing comes out of your paycheck for it. In 2026 the taxable wage base is $50,700 per employee. A new employer gets the average rate of its industry, which has no single figure; this calculator uses 0.61%, the state's average on taxable wages in the Labor Department's 2024 report, which is $309.27 a year per employee. Rates run from 0.1% to 7.1% in 2026. Utah is not on the Labor Department's list of states with a 2026 federal credit reduction.
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