Utah Income Tax Calculator (2024-2025)

How this Utah income tax calculator works

Utah uses a single flat income tax rate for most taxpayers. For both 2024 and 2025, the rate is 4.65%. This calculator focuses on Utah state income tax only (no federal tax, FICA, or local taxes).

Step-by-step calculation

1. Start with Utah taxable income
   This is usually your federal adjusted gross income (AGI) plus or minus Utah additions and subtractions.
2. Subtract Utah deductions (optional)
   If you know your Utah-allowed deductions, enter them. We compute:
   Utah taxable income after deductions = max(0, Income − Utah deductions)
3. Apply the flat Utah tax rate
   
   Pre-credit Utah tax = 4.65% × Utah taxable income after deductions
4. Subtract Utah nonrefundable credits
   Credits cannot reduce tax below zero:
   Utah tax after credits = max(0, Pre-credit Utah tax − Credits)
5. Add other Utah taxes (optional)
   Total Utah tax = Utah tax after credits + Other Utah taxes
6. Compare with Utah withholding
   Refund (positive) or amount due (negative) = Withholding − Total Utah tax

Key Utah income tax features (simplified)

• Flat rate: 4.65% for most taxable income.
• No traditional brackets: Utah does not have graduated brackets like the federal system.
• Credits instead of a standard deduction: Utah uses a taxpayer credit and other credits that depend on your federal deductions and exemptions.
• Social Security credit: Many retirees qualify for a credit that can reduce or eliminate Utah tax on Social Security benefits, depending on income.

This tool lets you approximate the effect of those rules by entering your own deductions and credits directly.

Example: Utah income tax on $60,000 (single)

Assume:

• Filing status: Single
• Utah taxable income: $60,000
• Utah deductions: $0
• Utah credits: $500

Then:

• Taxable after deductions = $60,000
• Pre-credit Utah tax = 4.65% × $60,000 = $2,790
• Tax after credits = $2,790 − $500 = $2,290
• Effective Utah rate = $2,290 ÷ $60,000 ≈ 3.82%

Limitations and assumptions

• This calculator does not compute your federal income tax or FICA (Social Security and Medicare).
• Utah’s detailed rules for the taxpayer credit, retirement credits, and Social Security credits are simplified here into a single “credits” field.
• We assume the flat rate of 4.65% for both 2024 and 2025 unless Utah law changes.
• Actual tax may differ if you have complex income (business, capital gains, multi-state income, etc.).

For official forms, instructions, and the latest Utah tax law, visit the Utah State Tax Commission or consult a qualified tax professional.

Frequently asked questions about Utah income tax

Does Utah tax capital gains differently?

Utah generally taxes most capital gains at the same flat 4.65% rate as ordinary income. However, certain capital gains may qualify for specific Utah credits or adjustments. Those are not modeled in detail here; you can approximate them by entering the expected credit amount.

How do I estimate my Utah withholding?

Look at the “UT” line on your W‑2s and 1099s for Utah tax withheld. Add them together and enter the total in the Utah tax already withheld field to estimate whether you’ll get a refund or owe additional tax.

Can this calculator handle multiple jobs?

Yes. Add up your Utah taxable income from all sources to get a combined estimate, and add up all Utah withholding amounts. Enter the totals into the calculator.

Is Utah income tax deductible on my federal return?

State and local income taxes can be deductible as part of the federal SALT deduction, subject to the federal cap and if you itemize deductions. This calculator does not estimate your federal deduction; it focuses only on Utah state tax.

Who should use this Utah income tax calculator?

This tool is useful for Utah residents, part‑year residents, and nonresidents with Utah‑source income who want a quick estimate of their state income tax and effective rate. It is best used for planning and “what‑if” scenarios, not for filing.

Disclaimer: This calculator is for informational and educational purposes only and does not constitute tax, legal, or financial advice. Tax laws change frequently and may apply differently to your situation. Always check current Utah State Tax Commission guidance and consider consulting a licensed tax professional.