Montana Retirement Income Tax Calculator
Montana taxes a portion of Social Security benefits.
Montana retirement income tax estimator
Montana taxes a portion of Social Security benefits.
Montana tax —
After state tax —
Effective state rate —
Montana at a glance
| Figure | Montana | Source |
|---|---|---|
| Taxes Social Security? | Yes (partially) | [2] |
| Top marginal rate | 5.65% | [2] |
| Taxes pension income? | Generally yes | [2] |
| Cost of living index | 105.9 | [1] |
Montana highlighted. Same data as the table below, shown as a distribution so the comparison is visible at a glance.
Highlighted: Montana, ranked 17 of 50. Median 4.55%.
Montana state tax by retirement income mix
Annual Montana tax on each combination of Social Security and other retirement income.
| Social Security | No other income | +$10,000 other | +$20,000 other | +$30,000 other | +$45,000 other | +$60,000 other | +$80,000 other | +$110,000 other |
|---|---|---|---|---|---|---|---|---|
| $9,000 | $432 | $997 | $1,562 | $2,127 | $2,975 | $3,822 | $4,952 | $6,647 |
| $12,000 | $576 | $1,141 | $1,706 | $2,271 | $3,119 | $3,966 | $5,096 | $6,791 |
| $15,000 | $720 | $1,285 | $1,850 | $2,415 | $3,263 | $4,110 | $5,240 | $6,935 |
| $18,000 | $864 | $1,429 | $1,994 | $2,559 | $3,407 | $4,254 | $5,384 | $7,079 |
| $21,000 | $1,009 | $1,574 | $2,139 | $2,704 | $3,551 | $4,399 | $5,529 | $7,224 |
| $24,000 | $1,153 | $1,718 | $2,283 | $2,848 | $3,695 | $4,543 | $5,673 | $7,368 |
| $27,000 | $1,297 | $1,862 | $2,427 | $2,992 | $3,839 | $4,687 | $5,817 | $7,512 |
| $30,000 | $1,441 | $2,006 | $2,571 | $3,136 | $3,983 | $4,831 | $5,961 | $7,656 |
| $33,000 | $1,585 | $2,150 | $2,715 | $3,280 | $4,127 | $4,975 | $6,105 | $7,800 |
| $36,000 | $1,729 | $2,294 | $2,859 | $3,424 | $4,271 | $5,119 | $6,249 | $7,944 |
| $39,000 | $1,873 | $2,438 | $3,003 | $3,568 | $4,415 | $5,263 | $6,393 | $8,088 |
| $42,000 | $2,017 | $2,582 | $3,147 | $3,712 | $4,560 | $5,407 | $6,537 | $8,232 |
| $45,000 | $2,161 | $2,726 | $3,291 | $3,856 | $4,704 | $5,551 | $6,681 | $8,376 |
| $48,000 | $2,305 | $2,870 | $3,435 | $4,000 | $4,848 | $5,695 | $6,825 | $8,520 |
| $54,000 | $2,593 | $3,158 | $3,723 | $4,288 | $5,136 | $5,983 | $7,113 | $8,808 |
Worked figures for Montana
Montana values:
| Profile | Gross | State Tax | Net | Effective |
|---|---|---|---|---|
| $18,000 SS + $0 pension + $5,000 401k | $23,000 | $1,147 | $21,853 | 4.99% |
| $24,000 SS + $0 pension + $10,000 401k | $34,000 | $1,718 | $32,282 | 5.05% |
| $24,000 SS + $12,000 pension + $10,000 401k | $46,000 | $2,396 | $43,604 | 5.21% |
| $30,000 SS + $20,000 pension + $15,000 401k | $65,000 | $3,418 | $61,582 | 5.26% |
| $30,000 SS + $30,000 pension + $20,000 401k | $80,000 | $4,266 | $75,734 | 5.33% |
| $36,000 SS + $40,000 pension + $25,000 401k | $101,000 | $5,401 | $95,599 | 5.35% |
| $42,000 SS + $50,000 pension + $40,000 401k | $132,000 | $7,102 | $124,898 | 5.38% |
| $48,000 SS + $60,000 pension + $50,000 401k | $158,000 | $8,520 | $149,480 | 5.39% |
How Montana compares nationally
On top marginal income tax rate, Montana ranks #17 of 50 at 5.65% — 24% above the median of 4.55%. The national range runs from 0.00% (Wyoming) to 13.30% (California).
| Rank | State | Top marginal income tax rate |
|---|---|---|
| #15 | New Mexico | 5.90% |
| #16 | Virginia | 5.75% |
| #17 | Montana | 5.65% |
| #18 | Kansas | 5.58% |
| #19 | Idaho | 5.30% |
Taxes Social Security benefitss, ranked
Same rule structure as Montana:
| State | Top marginal income tax rate | vs Montana |
|---|---|---|
| Minnesota | 9.85% | +74.3% |
| Rhode Island | 5.99% | +6.0% |
| New Mexico | 5.90% | +4.4% |
| Montana | 5.65% | — |
| West Virginia | 4.58% | -18.9% |
| Colorado | 4.40% | -22.1% |
Montana questions, answered with Montana numbers
Does Montana tax Social Security?▾
Yes, Montana taxes a portion of Social Security benefits.
What would a $65,000 retirement income cost in Montana tax?▾
On $30,000 Social Security, $20,000 pension and $15,000 of 401(k) withdrawals, Montana would take about $3,418 — an effective state rate of 5.26%, leaving $61,582.
Is Montana a good state to retire in on taxes alone?▾
Montana's top marginal rate is 5.65% and its cost of living index is 105.9. Tax is only one input — housing at a $476,000 median matters at least as much.
Other taxes social security benefitss
Last reviewed 2026-08-27. Montana figures only — verify with the relevant Montana agency before acting. How this is calculated.