Pay & Filing Details
Pre-Tax Deductions (Per Paycheck)
Additional Withholding

Results are estimates for informational purposes. Consult a tax professional for advice specific to your situation. Tax rates per Utah State Tax Commission and IRS.

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Enter your salary or hourly rate above to see your Utah take-home pay breakdown.

4.5% Utah Flat Tax · 2025

Utah State Income Tax

Utah applies a single 4.5% flat rate to all taxable income (HB 106, effective Jan 1, 2025 — reduced from 4.55%). No local city or county income taxes in Utah.

FICA Taxes (2025)

  • Social Security: 6.2% on wages up to $176,100
  • Medicare: 1.45% on all wages
  • Additional Medicare: 0.9% on wages over $200,000

💡 Maximize Your Take-Home

  • Contribute to 401(k) — reduces federal & Utah taxes
  • Use HSA (2025 limit: $4,300 individual)
  • Review W-4 after life changes
  • No Utah local income taxes to worry about
How It Works

What Goes Into Your Utah Paycheck?

Every Utah paycheck has several deductions before you get your take-home pay. Here's exactly what we calculate.

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Utah State Tax (4.5%)

Utah uses a simple flat rate — everyone pays 4.5% regardless of income. Reduced from 4.55% by HB 106 in 2025. No city or county income taxes in Utah.

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Federal Income Tax

Based on 2025 IRS tax brackets (10%–37%). Your effective rate depends on your filing status (single, married, or head of household) and income.

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Social Security (6.2%)

Employees pay 6.2% on wages up to the 2025 wage base of $176,100. Wages above this cap are not subject to Social Security tax.

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Medicare (1.45%)

All wages are subject to the 1.45% Medicare tax with no cap. High earners (over $200,000) pay an additional 0.9% Medicare surtax.

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Pre-Tax Deductions

Contributions to 401(k), health insurance premiums, and HSA accounts reduce your taxable income — lowering both federal and Utah state tax.

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Net Take-Home Pay

What's left after all deductions is your take-home pay. We show it broken down by paycheck period — weekly, bi-weekly, semi-monthly, or monthly.

2025 Tax Reference

Utah & Federal Tax Rates at a Glance

Utah State Tax (2025)

Detail Rate
Flat Income Tax Rate4.5%
Local Income TaxNone
Standard Deduction (Single)$15,000
Standard Deduction (MFJ)$30,000
Minimum Wage$7.25/hr

Federal Tax Brackets 2025 (Single)

Taxable Income Rate
$0 – $11,92510%
$11,925 – $48,47512%
$48,475 – $103,35022%
$103,350 – $197,30024%
$197,300 – $250,52532%
$250,525 – $626,35035%
Over $626,35037%

FICA Payroll Taxes (2025)

Tax Rate
Social Security6.2%
SS Wage Base Cap$176,100
Medicare1.45%
Medicare (over $200k)2.35%
Total FICA (typical)7.65%
FAQ

Frequently Asked Questions

Common questions about Utah paychecks and state taxes, answered.

Utah has a flat 4.5% income tax rate for all taxpayers in 2025, regardless of filing status or income level. This rate was reduced from 4.55% by HB 106, passed during the 2025 Utah Legislative Session and effective January 1, 2025. Utah has lowered its income tax rate every year since 2021. No cities or counties in Utah levy additional local income taxes.
For a typical Utah worker, taxes reduce your gross pay by roughly 20–30%, depending on your income and filing status. This includes federal income tax (10–37%), Utah state tax (4.5%), Social Security (6.2% up to $176,100), and Medicare (1.45%). Pre-tax deductions like 401(k) contributions and health insurance premiums can significantly reduce your taxable income.
Yes, Utah taxes Social Security benefits that are included in your federal adjusted gross income at the 4.5% rate. However, Utah offers a full credit for lower-income recipients — single filers earning $54,000 or less get a full credit, phasing out above that threshold. This calculator focuses on paycheck withholding, not Social Security retirement benefits.
Utah's minimum wage is $7.25 per hour in 2025, matching the federal minimum wage. Utah has not set a state minimum wage above the federal level. Some Utah cities and counties may have their own higher minimum wages, so check local ordinances for your specific location.
Pre-tax deductions (like 401k contributions, health insurance premiums, and HSA contributions) are subtracted from your gross pay before taxes are calculated. This reduces your taxable income for both federal and Utah state income taxes. For example, contributing $500/month to a 401k could save you $22.50/month in Utah state taxes alone (4.5% × $500) plus federal tax savings depending on your bracket.
Yes. This calculator uses the official 2025 Utah flat income tax rate of 4.5% (per the Utah State Tax Commission), 2025 IRS federal income tax brackets (IRS Rev. Proc. 2024-61), and the 2025 Social Security wage base of $176,100. Results are estimates — your actual withholding may differ based on your specific W-4 elections, benefits, and other factors. Always consult a tax professional for personalized advice.
Utah Tax Resources

Learn More About Utah Taxes

Helpful guides for Utah employees and employers on payroll, taxes, and take-home pay.

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Tax Guide

Complete Guide to Utah Income Tax 2025

Everything Utah residents and workers need to know about the 4.5% flat tax, deductions, credits, and how to maximize your take-home pay.

Apr 2025 · 8 min read
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Resources

Utah Payroll Resources & Guides

Browse all our Utah tax and payroll articles — W-4 tips, pre-tax deduction strategies, and more for Beehive State workers.

Updated 2025 · Resource Hub
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Tips

How to Increase Your Utah Paycheck

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