Vermont Paycheck Calculator 2026

How this calculator works

The Vermont Department of Taxes publishes a withholding method, and this calculator follows it. Your pay is converted to a yearly amount. The withholding allowances come off ($5,400 for a single filer, $10,800 for a married filer whose spouse does not work). The rest is taxed through a table with a 0% step, then 3.35%, 6.6%, 7.6% and 8.75% steps, and the yearly result is divided by the number of pay periods. Vermont prints two tables, one for single filers and one for married filers, and the married table has wider steps.

The calculator applies these deductions in this order:

• Federal income tax. Your gross pay minus the federal standard deduction for your filing status, run through the 2026 federal brackets.
• Social Security at 6.2% of gross wages, up to the 2026 wage base of $184,500.
• Medicare at 1.45% of all wages, with no cap, plus the 0.9% Additional Medicare Tax on wages above $200,000.
• Vermont income tax: your wages after any 401(k) contribution, minus the Vermont withholding allowances for your status, taxed through the table.

This calculator has no other Vermont line. We looked for a state payroll deduction that an employer must take from your check and found none. Two optional ones are covered below: part of the Child Care Contribution, and a voluntary leave plan.

Rates come from the agencies that set them: the IRS for the federal brackets, the standard deduction and FICA, cross-checked against the Social Security Administration for the wage base; and, for Vermont, the Department of Taxes’ withholding guide, Form W-4VT and Child Care Contribution pages, and the Governor’s page for the paid leave program. Our full sourcing is on the methodology page.

How current the source is. The guide is document GB-1210-2026, and its cover reads “effective January 1, 2026 - expires December 31, 2026.” We read it on the Department’s own site on October 20, 2026, and the Sources section links to it. The Form W-4VT the Department posts is dated “Rev. 12/18” in its footer; its allowance amounts are not in the form, they come from the guide, which says one allowance equals $5,400.00 a year. The federal figures, Social Security wage base and Medicare thresholds are the 2026 ones.

How we checked the formula against the printed tables. The guide prints the withholding for hundreds of pay ranges and for 0 to 10 allowances, in wage-bracket charts for weekly, biweekly, twice-a-month, monthly and daily pay, one chart for single filers and one for married filers. We rebuilt 9,130 of those printed cells from the formula, using the middle of each pay range. 9,085 matched exactly, and the other 45 are off by rounding. We left out the chart rows whose columns do not read cleanly in the file. We also checked 105 printed breakpoints, allowance amounts and base amounts: each base amount equals the one before it plus the tax on the step, and each breakpoint equals the yearly one divided by the number of pay periods. In the guide’s own worked example, a married employee with two allowances paid $1,800 a week has $45.77 withheld, and the weekly table reproduces it.

Withholding is an estimate, not your final bill. The figure here is what an employer takes from each check using the Department’s method. Your actual Vermont income tax is figured on your return, so what you owe or get back when you file can differ.

What the calculator deliberately leaves out: dependents on Form W-4VT, a spouse who works, the “higher single rate” box, extra withholding and the “Exempt” line, bonuses, rounding by your employer, work in another state, optional employer deductions, and health insurance premiums and other employer benefit deductions.

Vermont’s five steps and the pay they apply to

The Department’s yearly percentage table has five steps, and they apply to what is left of your pay after the allowances, not to your pay itself. For a single filer on $75,000, that is $75,000 − $5,400 = $69,600. The first $3,925 of it is not taxed, the next $50,750 is taxed at 3.35%, and the rest, $14,925, falls in the 6.6% step, which runs up to $126,775. The 8.75% step starts above $260,225 of taxable pay, which for a single filer is $265,625 of yearly pay.

The Department prints the same tables for each pay period, with the breakpoints and the allowance scaled to the period. The employer applies them to the pay for that check after subtracting the allowance for that period. The table below shows where the 0% step ends and what one allowance is worth on each kind of paycheck, as the guide prints them. The guide also prints a daily table.

The withholding allowance: what changes with your Vermont W-4VT

The Department’s withholding method uses allowances rather than a standard deduction, and Form W-4VT is how you tell your employer how many to apply. Each one is worth $5,400 a year. This is how the calculator maps its three choices.

The allowances come off your pay before the table, so each extra $1,000 of allowance is worth $66.00 a year to anyone in the 6.6% step. If both spouses work, each leaves line 2 empty, so each has one allowance. If only one spouse has income and the couple files jointly, the two allowances and the wider married table apply to that one paycheck. The guide also says civil union partners use the married table.

If you cross a state line: how Vermont withholds

Vermont borders New Hampshire, Massachusetts and New York, and some people live on one side of a state line and work on the other. Rules apply in both states, and this calculator models none of them. It assumes you live and work in Vermont.

If you live in Vermont and work outside it

The guide says that when a payment to a Vermont resident includes pay for work done outside Vermont, the withholding is computed on the full payment and then reduced by the income tax withheld for the state where the work was done. It also says an employee who moves into Vermont during a tax year is a resident for withholding purposes.

If you live elsewhere and work in Vermont

Wages paid to a nonresident for services performed in Vermont are subject to Vermont withholding if they are subject to federal withholding. For a nonresident who works in Vermont and another state during a pay period, the guide computes the tax on the full payment and multiplies it by the ratio of Vermont hours to total hours. Its example: 16 hours in Vermont out of a 40-hour pay period, with $48.00 of Vermont withholding on the whole pay, makes $19.20.

If you work from home in Vermont for an employer in another state

The Department says an out-of-state employer does not have to begin withholding Vermont income tax until an employee has been working from a Vermont location for thirty days. Income earned during the entire period of living in Vermont is subject to Vermont income tax, even if the employee claims another state as home; the thirty days only decide when the employer must start withholding. The Department says employers should work with these employees, and the W-4VT helps them set their allowances.

New Hampshire, Massachusetts and New York

We publish a calculator for New Hampshire and Massachusetts. New York is not published on this site yet.

Two optional deductions: the Child Care Contribution and paid leave

The Child Care Contribution is an employer tax, with an option to share part of it

Vermont employers pay a 0.44% payroll tax on wages called the Child Care Contribution, on wages paid on or after July 1, 2024. The Department says an employer may choose to deduct and withhold a maximum of 25 percent of it, which is 0.11% of the employee’s wages, and the employer may withhold a smaller portion or none at all. Employers do not have to treat every employee the same way, and employees have no filing requirement.

What the maximum withholding would cost you

On $75,000, 0.11% is $82.50 a year, or $6.88 a month. Because nothing requires your employer to take it, this calculator does not subtract it. If your employer does, your take-home pay on $75,000 would be about $58,825 instead of $58,907. The Department’s Child Care Contribution page says an employer that withholds part of it reports the amount on the employee’s W-2.

Paid family and medical leave is voluntary

The Governor’s page for the Vermont Family and Medical Leave plan describes “a voluntary paid family and medical leave program.” Employers can choose to design a plan, and the contributions can be paid by the employer, split between the employer and employees, or paid by employees as a voluntary benefit. We found no Vermont paid leave deduction that every employee must pay. If your employer offers a plan and deducts a premium, it will appear on your stub, and this calculator does not include it.

Vermont hourly paycheck: what your rate is worth after tax

Why we ask for your hours instead of assuming 2,080

Many hourly calculators multiply your rate by 2,080 and call it a year. That is 40 hours a week for 52 weeks, which describes a full-time schedule, not every hourly job. If you work 32 hours a week, or 45 with overtime, the assumed figure is wrong before any tax is applied. The calculator above asks for your hours and uses them. In Vermont your hours also matter because of the allowance: a single filer earning $9,325 or less a year has no Vermont tax withheld.

What is $20 an hour after taxes in Vermont?

At 40 hours a week, $20 an hour is $41,600 a year gross. After federal tax, Social Security, Medicare and Vermont income tax withholding, that leaves about $34,524 a year, or $2,877.03 a month. Your real hourly rate — what an hour of work actually puts in your bank account — is $16.60. Vermont’s share is $1,081.21 of income tax withholding for the year.

What are $25 and $30 an hour after taxes in Vermont?

$25 an hour is $52,000 gross and about $42,532 after tax, a real rate of $20.45. $30 an hour is $62,400 gross and about $50,465 after tax, a real rate of $24.26. Vermont income tax withholding is $1,429.61 a year at $25 an hour, and $1,853.58 at $30.

Overtime and bonuses

The calculator multiplies your rate by the hours you enter and adds no overtime premium, and it does not model bonuses. The guide says that for non-periodic payments, the Vermont withholding can be estimated at 30% of the federal withholding, and it does not say whether a bonus counts as one. Ask your employer how it withholds on a bonus. If you work variable hours, enter the average number of hours you expect to work each week.

Vermont take-home pay by hourly rate

Single filer, 40 hours a week (2,080 hours a year).

What this calculator does not cover

This tool models federal income tax, Social Security, Medicare and the payroll programs your state actually runs — nothing more. It deliberately leaves out:

• Itemized deductions and federal tax credits — the Child Tax Credit, the Earned Income Tax Credit, education credits. The engine always applies the standard deduction; there is no itemizing path.
• A second job, self-employment income or 1099 pay. Every dollar you enter is treated as one employer’s W-2 wages, taxed at the employee share of Social Security and Medicare — not the self-employment tax a 1099 worker actually owes.
• Pre-tax benefits other than the 401(k) field — health insurance premiums, an HSA or FSA, commuter benefits. The only amount taken out before tax is the percentage you enter for a 401(k).
• Local taxes — the Vermont withholding guide we read describes state withholding only, and we found no Vermont city or county income tax on wages in it. That is not proof that none exists. This calculator adds no local line for Vermont. The only local income tax lines on this site are on the Indiana and Maryland calculators.
• Overtime premiums. An hourly rate is multiplied by the hours you enter; it does not add a time-and-a-half rate for hours worked past 40 in a week.
• Wage garnishments or court-ordered deductions — child support, a wage levy. Your result assumes none exist.
• The Additional Medicare Tax, at the single-filer threshold. The 0.9% surtax above $200,000 is applied at that one figure for every filing status, the way an employer actually withholds it — not the higher threshold a married couple filing jointly may end up owing at tax return time.
• Married filing separately, or a qualifying surviving spouse. The calculator only offers single, married filing jointly, and head of household.

None of these are in the estimate. Some of them change what you owe or get back when you file, and a calculator cannot ask for everything they depend on. See why your pay stub will differ for the details.

Key facts that affect your take-home pay in Vermont

The first $3,925 of what is left is not taxed

The table starts with a 0% step. With the $5,400 allowance, a single filer’s yearly pay has to pass $9,325 before Vermont withholds anything. At $17,000, Vermont withholds $257.11; at $30,000, it withholds $692.61 a year.

The 6.6% step starts at $60,075 of pay

The 3.35% step covers $50,750 of taxable pay and produces $1,700.13 of tax. The 6.6% step covers the next $72,100 and adds $4,758.60. For a single filer, 6.6% starts at $60,075 of yearly pay and ends at $132,175.

The 7.6% and 8.75% steps start higher

For a single filer, 7.6% applies to taxable pay from $126,775 to $260,225, which is pay from $132,175 to $265,625. Above that, every dollar of taxable pay is taxed at 8.75%. On $400,000, taxable pay is $394,600, $134,375 of it is in the top step, and Vermont withholds $28,358.74.

The married table is wider, and the allowance doubles

A single filer’s taxable pay is pay minus $5,400. A married filer whose spouse does not work, with two allowances, gets $10,800 off and a table whose 0% step runs to $11,775 and whose 6.6% step starts above $96,475. That is why Vermont withholds $1,756.24 from that filer on $75,000 and $2,685.18 from a single one. Taxable pay for the married filer is $64,200, all of it in the 3.35% step after the first $11,775.

Head of household: two allowances and, in our reading, the single table

With lines 1 and 4 of the W-4VT worksheet, a head of household has two allowances, $10,800. We use the single table, our reading of a form that has no head of household box. On $75,000, taxable pay is $64,200 and Vermont withholds $2,328.78. The federal tax is lower for a head of household ($5,748.00 on $75,000), so take-home pay is $61,186.

Each allowance is worth up to $472.50 a year

Line 3 of the worksheet asks for the number of dependents you plan to claim, and each one adds an allowance of $5,400. In the 6.6% step that lowers yearly withholding by $356.40; in the 3.35% step it is $180.90, and in the top step $472.50. This calculator does not ask for dependents, so a worker with children who claims them on the W-4VT will see less Vermont tax withheld than the figure shown. The form adds that if you and your spouse both claim your dependents, not enough tax will be withheld.

Without a W-4VT, your employer may use your federal W-4

The guide says an employer may use the information from the federal Form W-4 if a Vermont form is not submitted, and that not enough tax might be withheld that way. It says employees who adjusted their federal withholding in anticipation of a credit, and employees in civil unions or civil marriages, will not have the correct Vermont tax withheld unless they complete a W-4VT. The Department strongly recommends that employers require one.

Extra withholding: about 30% of the federal extra

If the federal W-4 shows an extra amount to withhold each pay period, the guide says Vermont’s withholding should be increased by 30% of that extra federal amount. The W-4VT makes the same suggestion for its own line for an additional amount. This calculator does not model extra withholding.

With two jobs, put the allowances where you earn the most

The form says that if you have more than one employer, you should consider claiming zero allowances with the employer where you earn less income. This calculator treats your pay as your only income, so it cannot show the effect.

Your 401(k) lowers your Vermont taxable wages in this calculator

The guide says Vermont withholding is calculated similarly to the federal one, and it gives no separate rule for 401(k) contributions. This calculator therefore starts from pay after a traditional 401(k) contribution, as it does in most states on this site. On $75,000 with 6% going in, Vermont income tax withholding falls by $297.00 a year. Enter 0 if your contribution is a Roth.

Social Security stops, Medicare does not

Social Security is withheld at 6.2% until your wages reach $184,500 in 2026, then stops for the rest of the year. Medicare has no ceiling at all: 1.45% on every dollar, plus an extra 0.9% on wages above $200,000. On $250,000, Social Security and Medicare take $15,514.00 in total.

Common mistakes

Forgetting the allowance

Applying the table to the full $75,000 instead of $69,600 overstates Vermont withholding by $356.40: $3,041.58 instead of $2,685.18.

Taxing everything at one rate

The 6.6% rate applies only to the part of taxable pay between $54,675 and $126,775 for a single filer. Applying it to all of $69,600 gives $4,593.60, which overstates withholding by about $1,908.

Claiming two allowances when your spouse works

Line 2 of the W-4VT worksheet is only for a spouse who does not work. If both of you work and one of you claims it anyway, one allowance too many comes off. On $75,000 that lowers withholding from $1,937.14 to $1,756.24, which is $180.90 too little withheld over a year. The shortfall can show up as a balance due when you file.

Both spouses claiming the dependents

The form says that if you and your spouse both claim your dependents on your own W-4VTs, not enough income tax will be withheld, and you might owe when you file. Only one of you should claim them.

Assuming the Child Care Contribution is always yours to pay

It is an employer tax. An employer may take up to 0.11% of your wages toward it, or nothing. If your stub shows a deduction for it, that is your employer’s choice, and the most it can be on $75,000 is $82.50 a year.

Expecting the calculator to match the pay stub to the dollar

It will not, and no calculator can. Health insurance premiums and other pre-tax benefit deductions come out before tax and are not modeled here, and the allowances you claimed on your Form W-4VT may differ from the ones we assume. Read why your pay stub will differ for the rest.

Example calculation

Amounts are shown to the cent, so adding the rounded lines can differ from the total by a cent.

A single filer earning $75,000 in Vermont in 2026, with one allowance and no retirement contribution, under the Department’s method:

• Federal taxable income: $75,000 − federal standard deduction of $16,100 = $58,900
• Federal income tax: $7,670.00
• Social Security: $75,000 × 6.2% = $4,650.00
• Medicare: $75,000 × 1.45% = $1,087.50
• Vermont taxable pay: $75,000 − $5,400 allowance = $69,600
• Tax on the first $3,925: $3,925 × 0% = $0.00
• Tax on the next $50,750: $50,750 × 3.35% = $1,700.13
• Tax on the remaining $14,925: $14,925 × 6.6% = $985.05
• Vermont income tax withholding: $1,700.13 + $985.05 = $2,685.18 a year, $223.76 on a monthly paycheck or $103.28 on a biweekly one
• Total withheld: $16,092.68
• Take-home pay: $58,907.33 a year, or $4,908.94 a month
• Effective tax rate: 21.5%

Frequently asked questions

Compare with other states

The same $75,000 salary, single filer, 2026 rates. Vermont borders three states: New Hampshire, Massachusetts and New York. We have a calculator for New Hampshire and Massachusetts, and New York is not published on this site yet. Each row leaves out its own local taxes and optional employer deductions.

The table rounds take-home pay to the dollar; the differences in this paragraph use the exact amounts. Compared with a Vermont worker on the same salary, a New Hampshire worker keeps about $2,685 more and a Massachusetts worker keeps about $1,090 less. A worker who lives in one of those states and commutes into Vermont, or the reverse, is a different case that this calculator does not model: it assumes a Vermont resident working in Vermont.

Sources

Every figure on this page is read from an official document and dated, not taken from another calculator — the federal ones from the IRS and the Social Security Administration, the Vermont ones from the state’s own documents below. Each one carries the date we last checked that it still answers. If one of our numbers disagrees with one of theirs, they are right and we have a defect to fix — tell us.

The documents these figures are read from

• Vermont Department of Taxes — 2026 Income Tax Withholding Instructions, Tables, and Charts, GB-1210-2026 (PDF; effective January 1, 2026, expires December 31, 2026) — the percentage method (wages after subtracting withholding allowances, then the table: 3.35%, 6.60%, 7.60% and 8.75% above a zero step), the yearly allowance of $5,400.00, the single and married tables, the printed wage-bracket charts, the rule that civil union partners use the married table, and the Child Care Contribution paid by employers.
• Vermont Department of Taxes — Form W-4VT, Employee’s Withholding Allowance Certificate (PDF, Rev. 12/18) — the allowances worksheet: one for yourself, one more if you file jointly and your spouse does not work, one for each dependent, and one if you plan to file as head of household.
• Vermont Department of Taxes — Child Care Contribution — the 0.44% payroll tax that employers pay, and the choice an employer has to withhold up to 25 percent of it (0.11%) from employee wages.
• Vermont Department of Taxes — Vermont Child Care Contribution Guide, GB-1326 (PDF) — the rule that employees are not required to pay the contribution, and that an employer may withhold a smaller portion or none at all, and not more than 0.11% of any employee’s wages.
• Vermont Department of Taxes — Withholding for Employers — the rule that an out-of-state employer is not required to begin withholding Vermont tax until an employee has worked from a Vermont location for thirty days, and the advice that employers work with such employees, with a W-4VT to set allowances.
• Office of the Governor of Vermont — Vermont Family and Medical Leave Plan — the description of Vermont’s paid family and medical leave program as voluntary, with contributions paid by the employer, split with employees, or paid by employees as a voluntary benefit.
• IRS — 2026 inflation adjustments (Rev. Proc. 2025-32) — the federal brackets and the $16,100 standard deduction.
• IRS — Topic no. 751, Social Security and Medicare withholding rates — the 6.2% and 1.45% rates and the 0.9% Additional Medicare Tax.
• SSA — Contribution and benefit base — the $184,500 Social Security wage base.

All links checked October 20, 2026.

Related reading

• Paycheck calculators by state — the full index, including which states have no income tax at all.
• New Hampshire paycheck calculator — the neighbor to the east, where this calculator shows no state tax on wages.
• Massachusetts paycheck calculator — the neighbor to the south.
• $75,000 take-home pay in every state we publish — where Vermont ranks on one salary.
• Methodology — the exact formula, every 2026 figure with its official source, and what these calculators deliberately do not model.
• Why your pay stub will differ — pre-tax deductions, credits and W-4 settings, and how much difference is normal.