Vermont Paycheck Calculator 2026
3rd highest top rate in the US (8.75%). But 3.35% on first $45K keeps moderate earners' burden low. See your real take-home.
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How to Use This Calculator
Tab "Take-Home Pay"
Enter your gross annual salary, pay frequency, and filing status. The calculator applies 2026 federal income tax brackets, Vermont state income tax brackets (3.35%–8.75%), and FICA taxes (Social Security 6.2% up to $184,500, Medicare 1.45%, and the 0.9% Additional Medicare Tax above $200K). Vermont has no SDI or local income tax. Expand "More options" to add pre-tax 401(k) contributions and health insurance premiums. The result shows your net take-home per paycheck plus a full annual summary.
Tab "Tax Breakdown"
This tab shows a visual pie chart of where every dollar of your salary goes: federal tax, VT state tax, Social Security, Medicare, and take-home pay. It calculates how many cents of each dollar you actually keep and your combined effective tax rate. Use this to understand the true cost of living and working in Vermont.
Tab "Compare Filing Status"
See your take-home pay calculated side-by-side as Single, Married Filing Jointly, and Head of Household. The comparison table shows federal tax, VT state tax, FICA, and net take-home for each status. The best option is highlighted in green so you can instantly see which filing status saves you the most money.
The Formulas
Taxable income = Gross salary − Pre-tax deductions − Standard deduction
Single: $15,750 · MFJ: $31,500 · HoH: $23,500
Tax = Sum of (taxable income in each bracket × bracket rate)
Brackets: 10%, 12%, 22%, 24%, 32%, 35%, 37%
Vermont State Income Tax (2026 rates):
VT taxable income = Gross − Pre-tax deductions − Federal standard deduction − Personal exemption
Personal exemption: $4,850/person ($9,700 MFJ)
Tax = Sum of (VT taxable in each bracket × rate)
Single: 3.35% up to $45,400 · 6.60% up to $110,050 · 7.60% up to $229,550 · 8.75% above
MFJ: 3.35% up to $90,800 · 6.60% up to $220,100 · 7.60% up to $459,100 · 8.75% above
FICA Taxes:
Social Security = 6.2% × min(Gross salary, $184,500)
Medicare = 1.45% × Gross salary
Additional Medicare = 0.9% × max(0, Gross − $200,000)
Take-Home Pay:
Net = Gross − Federal tax − VT tax − SS − Medicare − Pre-tax deductions
Per paycheck = Net ÷ Number of pay periods
Vermont adopts the federal standard deduction rather than maintaining a separate state standard deduction. Vermont has no local income taxes and no state disability insurance payroll tax, which simplifies paycheck math compared to states like California or New York.
Example: $80,000 Single in Vermont
$80,000 Salary — Single, Biweekly, No 401(k)
The jump from 3.35% to 6.60% at $45,400 is the real pinch point for middle earners. In this example, $14,000 of income crosses into the second bracket, adding $924 in extra VT tax compared to if the 3.35% rate applied to the full taxable income. Keeping taxable income below $45,400 through 401(k) contributions is the single most impactful tax lever for Vermont earners in the $60K–$80K range.
Vermont vs. New England Neighbors
Vermont sits at the high end of New England's income tax spectrum. Understanding how it compares helps workers weighing job offers or relocation decisions.
- New Hampshire: No income tax on wages. Vermont workers crossing the border for a job in NH keep significantly more take-home on the same salary.
- Maine: Top rate 7.15% (vs. Vermont 8.75%). Maine's brackets are slightly narrower, but the overall burden is comparable for middle-income earners.
- Massachusetts: Flat 5% state income tax on most income (9% on capital gains). Vermont earners above $80K pay a higher effective rate than MA counterparts.
- Connecticut: Top rate 6.99%. Vermont's top rate exceeds Connecticut's despite Vermont's much smaller economy and population.
The saving grace for Vermont's moderate earners: the low 3.35% bottom rate and the federal standard deduction adoption mean someone earning $60K sees an effective state tax rate of roughly 3.5%–4%, well below the headline 8.75% top rate.