Vermont Paycheck Calculator 2026
Calculate your Vermont take-home pay instantly. Enter your salary or hourly wage and see net pay after federal income tax, Vermont state tax (8.75%), Social Security (6.2%), and Medicare (1.45%) — all calculated privately in your browser.
Vermont Payroll Tax Overview
Vermont uses a graduated state income tax system with a top marginal rate of 8.75%. Lower income levels are taxed at lower rates, so your effective state tax rate will be below the 8.75% top bracket. Workers in Vermont pay state income tax on top of federal income tax (10%–37%), Social Security (6.2%), and Medicare (1.45%).
The 2026 federal income tax brackets for single filers (IRS Rev. Proc. 2025-32): 10% on the first $12,400 of taxable income; 12% to $50,400; 22% to $105,700; 24% to $201,775; 32% to $256,225; 35% to $640,600; 37% above, after a $16,100 standard deduction ($32,200 married filing jointly). Pre-tax deductions (401k, health insurance, HSA) reduce your taxable income before both federal and state taxes are applied.
The state-tax line is now computed bracket by bracket, not at the headline rate. The calculator walks Vermont's four 2026 brackets in order — 3.35%, 6.60%, 7.60%, 8.75% — against your annualised wages after pre-tax deductions, the Vermont standard deduction ($7,650 single, $15,300 joint, $11,450 head of household — 2025 amounts, as the 2026 figures are not yet published) and the $5,400 personal exemption per person (2026). It reports the resulting effective state rate next to the dollar figure: a single filer on $75,000 of wages sees about 3.3%, not 8.75%. Single and joint thresholds come from the Vermont 2026 withholding tables (single: $50,750, $122,850, $256,300; joint: $84,700, $204,750, $312,050); head-of-household uses the 2025 schedule until the 2026 one is published. Verify the year-of-filing thresholds with the Vermont Department of Taxes before relying on the figure.
Federal vs Vermont Tax Burden
For a Vermont single filer earning $60,000 annually, estimated federal income tax is roughly $5,020 (8.4% effective rate), plus Vermont state income tax of about $1,573 (2.6% effective rate: 3.35% of the $46,950 left after the $7,650 standard deduction and $5,400 exemption), Social Security $3,720, Medicare $870, and up to $66 of child care contribution. Estimated annual take-home: about $48,751.
States with graduated income tax rates like Vermont apply higher rates only to income above each threshold — similar to how federal tax brackets work. Your effective state tax rate will be lower than the top 8.75% marginal rate unless nearly all your income falls in the top bracket.
To reduce your Vermont paycheck tax burden, maximize pre-tax deductions: 401(k) contributions (up to $24,500 in 2026), HSA contributions (up to $4,400 for self-only coverage), and employer-sponsored health insurance premiums all lower both federal and state taxable income.
How to Use This Vermont Paycheck Calculator
Enter your pay period (weekly, biweekly, semimonthly, monthly, or annual), then input either your annual gross salary or your hourly rate and average hours per week. Select your federal filing status — single, married filing jointly, married filing separately, or head of household — as this determines your federal tax brackets and standard deduction.
If you have pre-tax deductions such as a 401(k) contribution, health insurance premium, or HSA contribution, enter the total per-period dollar amount. These reduce your taxable income before federal and state taxes are calculated. The calculator will show federal income tax, Social Security (6.2%), Medicare (1.45%), Vermont state income tax (3.35%–8.75% after the Vermont deduction and exemption), the child care contribution, your total deductions, and your net take-home pay — both per period and annualized.
Results are estimates based on standard assumptions and 2026 tax rates. Actual withholding may differ based on your W-4 elections, additional withholding, local taxes (in some cities), or retirement plan contribution limits. For precise payroll calculations, consult your payroll provider or a tax professional.
Vermont 2026 Tax Brackets (Single Filer)
Vermont uses four graduated income tax brackets. For tax year 2026 single filers, the brackets implied by the Vermont 2026 withholding tables (GB-1210-2026) are: 3.35% on taxable income up to $50,750; 6.60% to $122,850; 7.60% to $256,300; and 8.75% above $256,300. Married-filing-jointly thresholds are $84,700, $204,750 and $312,050. Vermont indexes brackets annually for inflation, so verify the year-of-filing brackets on the Vermont Department of Taxes site.
That graduated structure means most Vermont workers do not pay the 8.75% top rate on their full income — only on taxable income above $256,300. A single filer earning $75,000 of wages has $61,950 of taxable income after the standard deduction and exemption, and owes about $1,700 in the 3.35% bracket plus $739 in the 6.60% bracket — about $2,439, or 3.3% of wages, far below the 8.75% headline.
Updated 2026-10-06. Source: Vermont Department of Taxes — Personal Income Tax and 2026 Income Tax Withholding Instructions (GB-1210-2026).
Vermont Paycheck Frequency Impact — Weekly vs Biweekly vs Monthly
Vermont paycheck take-home does not change based on pay frequency — the annual tax is identical whether you get paid weekly (52 checks), biweekly (26), semimonthly (24), or monthly (12). What changes is the per-check size and cash-flow: a $75,000 Vermont single filer nets about $59,070/year regardless of period, but that lands as about $1,136/week, $2,272/biweekly, $2,461/semimonthly, or $4,923/monthly. Biweekly pay includes two "extra" months per year with three paychecks each — plan the budget as 24 months, not 26, and treat the two triple-pay months as bonus toward emergency fund or IRA. Per Vermont Department of Taxes, state withholding follows the same graduated brackets regardless of period.
Source: Vermont Department of Taxes — Personal Income Tax + IRS Publication 15 (2026). Updated 2026-07-09.
Vermont vs New Hampshire vs Massachusetts — Border-State Paycheck Comparison
Vermont's 3.35%–8.75% graduated state income tax is dramatically different from its three neighbors, and that gap drives real residency decisions in the Connecticut River Valley. New Hampshire imposes no tax on wages or salaries (the 5% Interest & Dividends tax phased to 0% on 2026-01-01), making a $100,000 New Hampshire paycheck about $4,100/year larger than the same single-filer paycheck in Vermont. Massachusetts applies a flat 5% (plus 4% surcharge on taxable income above $1,107,750 under the "Fair Share" amendment), so single earners pay less in Vermont up to roughly $135,000 of wages and less in Massachusetts above that. New York uses graduated rates from 4% to 10.9%, putting NY commuters above Vermont only in the top bracket — but NYC residents add another 3.078%–3.876% city tax.
Cross-border workers should know Vermont taxes residents on worldwide income, then offers a credit for taxes paid to another state. A Vermonter commuting to Boston is taxed first by Massachusetts (5%), then by Vermont on the difference — net effective rate roughly equal to Vermont's bracket. A Vermonter commuting to Lebanon, NH pays nothing to NH but full Vermont rates. The reverse (a New Hampshire resident commuting into Vermont) pays Vermont tax only on Vermont-sourced wages, often the cheaper play.
Confirm the spread for your salary using our New Hampshire paycheck calculator, Massachusetts paycheck calculator, and New York paycheck calculator.
Vermont W-4VT — Fine-Tuning State Withholding After You Calculate
Once this Vermont paycheck calculator gives you a per-check estimate that doesn't match the number on your pay stub, the fix is almost always a stale W-4VT (Vermont's state-specific withholding form, separate from the federal W-4). Two 2026 changes matter: Vermont no longer honours a federal W-4's "Married" checkbox for state purposes — you must file a separate Form W-4VT with your employer or Vermont defaults to single-with-zero, over-withholding by 3–5% for jointly-filing households. And Vermont's per-pay-period additional-withholding line lets you add a flat dollar figure to close any gap without a rebracket change. Practical playbook: run this calculator, compare to your actual pay stub, and if state withholding is off by more than $30/period file a W-4VT with the delta on line 5. The IRS's parallel Withholding Estimator handles the federal side.
Source: Vermont Department of Taxes Form W-4VT (2026) + IRS Publication 15-T. Updated 2026-07-17.
Paycheck Calculator Vermont — Hourly, Salary & Self-Employed
This paycheck calculator Vermont tool handles three common pay setups: salaried W-2 employees (enter annual gross, pick your pay period), hourly W-2 workers (enter hourly rate × average weekly hours × pay period), and 1099 freelancers (enter expected gross then add a 15.3% self-employment tax adjustment outside the calculator). The federal brackets we apply are the 2026 IRS tables published at irs.gov; Vermont state tax uses 2026 graduated brackets indexed for inflation.
Vermont's biggest paycheck gotcha: there is no city income tax in any Vermont city, but employer-provided health premiums and 401(k) contributions reduce both federal and state taxable wages dollar-for-dollar. Maxing a 2026 401(k) ($24,500) while in Vermont's 6.60% bracket saves roughly $1,617 in state tax alone — separate from the ~$5,390 federal saving in the 22% bracket. Run the calculator twice (with and without your pre-tax deductions) to see the exact dollar impact on your take-home.
Frequently Asked Questions
Does Vermont have state income tax?
Yes, Vermont has a graduated state income tax. The top marginal rate is 8.75%.
What is the Vermont state income tax rate?
Vermont's top state income tax rate is 8.75%. Lower income brackets are taxed at lower rates.
How is take-home pay calculated in Vermont?
Take-home pay in Vermont is your gross pay minus federal income tax (10%–37%), Social Security (6.2%), Medicare (1.45%), Vermont income tax (3.35%–8.75% after the Vermont standard deduction and personal exemption), the optional child care contribution (up to 0.11%), and any pre-tax deductions like 401(k) or health insurance.
What payroll taxes apply in Vermont?
Employees in Vermont pay federal income tax, FICA (Social Security 6.2% + Medicare 1.45%), Vermont state income tax at 3.35%–8.75%, and up to 0.11% for the Vermont Child Care Contribution if the employer passes part of it on. Employers match Social Security and Medicare.
Does Vermont have SDI or disability tax?
Vermont does not have a state SDI or disability insurance payroll tax. Since July 2024 employers pay a 0.44% Child Care Contribution and may withhold up to a quarter of it (0.11% of wages) from employees; the calculator shows that maximum.
What are the Vermont 2026 income tax brackets?
Based on the Vermont 2026 withholding tables, single filers face four brackets on taxable income: 3.35% up to $50,750; 6.60% to $122,850; 7.60% to $256,300; and 8.75% above. Married-filing-jointly brackets run to $84,700, $204,750 and $312,050. Taxable income is income after the Vermont standard deduction ($7,650 single for 2025) and the $5,400 personal exemption. Vermont indexes these annually — verify on the Vermont Department of Taxes site before filing.
What is my effective Vermont tax rate at $75,000?
A Vermont single filer with $75,000 of wages has $61,950 of taxable income after the $7,650 standard deduction and $5,400 exemption. That is taxed 3.35% on the first $50,750 ($1,700) plus 6.60% on the next $11,200 ($739), for about $2,439 of Vermont tax — roughly 3.3% of wages. That is well below the 8.75% headline because only taxable income above $256,300 is taxed at the top rate.
Is this paycheck calculator Vermont tool accurate for biweekly pay?
Yes. Set the pay period to 'Biweekly (26)' and enter your gross per check. The calculator multiplies by 26 to annualize, applies 2026 federal brackets, Vermont graduated state tax, FICA (6.2% Social Security up to the $184,500 wage cap + 1.45% Medicare), then divides back to your biweekly take-home. Your actual check can differ by a few dollars because payroll systems use the Vermont withholding tables rather than the annual tax calculation.
Does the paycheck calculator Vermont handle local city taxes?
No local city tax adjustment is needed. Vermont is one of the rare US states with zero municipal income tax — Burlington, Montpelier, Rutland, and every other Vermont city collect only property and sales tax. The calculator's federal + Vermont state withholding is the complete picture for any Vermont paycheck.
Should I move to New Hampshire to dodge Vermont income tax?
On paper, yes — a Vermont-to-NH move saves the whole Vermont income tax — about $4,100/year for a single filer on a $100,000 salary, because NH taxes zero wages (the I&D tax hit 0% on 2026-01-01). In practice the math is closer than headline numbers suggest: NH property taxes are among the highest in the US (median ~$6,300/year vs Vermont's ~$4,700), NH has higher car-registration costs, and Vermont healthcare and childcare subsidies disappear when you cross the river. Run the calculator both ways AND price housing + property tax in your target town before deciding.
How does Vermont compare to Massachusetts for high earners?
For a single filer, Vermont state income tax is lower than Massachusetts up to roughly $135,000 of wages (for example $4,089 vs $4,680 at $100,000) thanks to the 3.35% first bracket. Above that, Vermont's 6.60%, 7.60% and 8.75% brackets make it the higher-tax state ($11,330 vs $9,680 at $200,000), until income passes the Massachusetts surtax threshold of $1,107,750, where the MA rate on the extra income becomes 9% versus 8.75% in Vermont.
Does the Vermont paycheck calculator account for 2026 wage base changes?
Yes. The Social Security wage base rises to $184,500 for 2026 (from $176,100 in 2025), so earnings above that stop the 6.2% withholding for the rest of the year. Medicare has no cap, and employers withhold the 0.9% Additional Medicare Tax on wages above $200,000 (the calculator includes it; the final liability threshold is $250,000 for joint filers). Vermont has no separate wage base — the graduated state brackets apply to all Vermont-sourced wages regardless of amount.
How do bonuses and supplemental income affect a Vermont paycheck?
Vermont taxes bonuses at the same graduated bracket as regular wages, but IRS default supplemental withholding is a flat 22% federal (up to $1M in bonuses per year; 37% above). Your employer may withhold Vermont state tax at the top-bracket flat rate on bonuses too. If your bonus pushes you into a higher bracket you'll owe more at filing; if not, you can recover the over-withholding on your 1040 refund. Adjust W-4 or file a Vermont W-4VT if bonus timing matters.
Why does the paycheck calculator Vermont show more take-home than my actual paycheck?
Nine times out of ten it is a missing Form W-4VT. Vermont ignores the federal W-4 for state withholding and defaults employers to single-with-zero allowances until an employee files W-4VT with the state's married/HoH marital status and allowances. If your household files jointly but your employer has no W-4VT on file, Vermont is likely over-withholding by $30–$60 per biweekly check. File a W-4VT via your HR portal and the next pay period corrects.
Does the Vermont paycheck calculator handle overtime for hourly workers?
Yes — enter your regular hourly rate and the calculator applies federal + Vermont graduated brackets to the annualized total. For overtime specifically, Vermont uses federal FLSA rules: time-and-a-half above 40 hours per week for non-exempt workers, taxed exactly as regular wages (no special OT bracket). If most of your income is OT, split the annual gross into base + OT and add each in the calculator to see the marginal tax on the OT portion — often the OT falls into your next bracket (e.g. 6.60% instead of 3.35%), which is the number your budget should assume, not the average effective rate.