Overview of Utah Taxes
Utah has a very simple income tax system with just a single flat rate. All taxpayers in Utah pay a 4.65% state income tax rate, regardless of filing status or income tier. No cities in the Beehive State have local income taxes. Of course, Utah taxpayers also have to pay federal income taxes.
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Utah Paycheck Calculator
Utah Paycheck Quick Facts
- Utah income tax rate: 4.65%
- Median household income: $86,833 (U.S. Census Bureau)
- Number of cities that have local income taxes: 0
How Your Utah Paycheck Works
Determining your take-home pay can be complicated. That’s because every pay period your Utah employer will deduct money from your wages for a variety of reasons. Some of this money goes to FICA taxes and federal income taxes. Social Security and Medicare taxes together make up FICA taxes, and they are treated in the same way across all states. A withholding of 6.2% of your income goes toward Social Security taxes with an additional 6.2% coming from your employer. Medicare taxes account for a smaller percentage at 1.45%, with employers again matching that amount. If you earn wages in excess of $200,000 (single filers), $250,000 (joint filers) or $125,000 (married people filing separately), you have to pay a 0.9% Medicare surtax. Your employer does not match this surtax.
In most cases, you’re only responsible for paying 50% of your FICA taxes on your own. In situations where you don’t have an employer to contribute the additional 50%, you may find yourself responsible for the full percentage. This is the case for self-employed people and some independent contractors.
Employers also withhold federal income tax from each of your paychecks. How much you pay in federal income tax is based on factors like your salary, your marital status and if you asked for an additional dollar withholding. It’s your employer’s job to withhold federal income tax based on the information you provide on your W-4 form.
Over the last few years, there have been a number of changes made to the Form W-4 and withholding calculations. The new W-4 comes with significant revisions. Most importantly, it removes the use of allowances and instead features a five-step process that asks filers to indicate various personal information, along with dependents and additional income or jobs.
Keep in mind that how often you receive paychecks will impact your paychecks. While you may not have a say in how frequently your employer pays you, just remember that your paychecks will be smaller if you receive them more frequently.
Utah has a flat income tax rate. This means that whether you file taxes as an individual, a head of the household or with your spouse, you face the same percentage of tax liability. This is true for income level as well. In turn, all filers pay the same flat rate of 4.65%. That’s also the only income tax you’ll pay, as there are no local income taxes in Utah.
A financial advisor can help you understand how taxes fit into your overall financial goals. Finding a financial advisor doesn't have to be hard. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
If you are considering purchasing a property in Utah or are looking to refinance, check out our Utah mortgage guide. It covers mortgage rates and other important information for moving to the city.
How You Can Affect Your Utah Paycheck
A primary way in which you can affect your Utah paycheck is by adjusting your withholdings. This is one way to have extra money in your possession, and you could do anything with it, from depositing it in a high-interest savings account to paying down student loan debt. If you really want to avoid owing the IRS money come tax time, you might want to opt for an additional dollar withholding from each of your paychecks. For example, if you want to withhold an extra $50 from each paycheck, simply write $50 on the corresponding line of your W-4.
Another option that may work for you if you want to reduce your tax bill is to put more of your paycheck into pre-tax accounts. If your employer offers a 401(k) or 403(b) retirement account, you could choose to increase your contribution to it. Contributions come out of your pay before taxes do, so you’re lowering your taxable income while simultaneously saving for your retirement.
For similar tax reasons, you may also want to utilize a health savings account (HSA) or flexible spending account (FSA). The money you put into these accounts can be used for certain medical expenses like copays. Keep in mind though that only $500 of FSA funds will roll over from year to year (as of 2023). This amount increases to $610 in 2024 and $650 in 2025. If you contribute more than the year's limit to an FSA but you don’t use it all within the year, you can kiss it goodbye.
