By Jordan Wells, Financial Research Editor | Updated April 13, 2026 | 7 min read

A Burlington elementary school teacher earning $58,300 keeps about $47,505 yearly once federal income tax, Vermont state tax, and FICA are subtracted. Spread across 26 biweekly checks, that lands near $1,827. Vermont uses a four-bracket progressive income tax running 3.35 to 8.75 percent, so the effective state rate climbs gradually with income. The vermont paycheck calculator below shows how each layer reduces gross to deposit.

Quick version: A $58,300 single salary in Vermont yields approximately $47,505 take-home annually. Federal income tax claims about $4,816, Vermont state tax adds roughly $1,519, Social Security takes 6.2 percent up to the $184,500 wage base, and Medicare takes 1.45 percent with no cap. Vermont workers see no State Disability Insurance line item. Act 76 of 2023 created a voluntary Paid Family and Medical Leave program administered by The Hartford, not a mandatory payroll tax. There is no city or county income tax in Vermont. Property tax is high but collected separately, not from your paycheck.

This calculator gives estimates for educational purposes, not tax advice. Talk with a licensed tax professional for your situation.

How to Use This Vermont Paycheck Calculator

Type in your gross salary or hourly rate, pick your pay frequency (weekly, biweekly, semimonthly, monthly), set your filing status (single, married filing jointly, head of household), and the tool computes the rest. Federal brackets come from IRS Revenue Procedure 2025-32, Vermont’s progressive brackets are applied using Vermont Department of Taxes thresholds indexed annually for inflation, and FICA layers in automatically. Because Vermont keeps zero city or county income tax, the calculator skips the local row that California or Pennsylvania workers would see on their pay stubs. For pre-tax 401(k), input your monthly contribution: a Burlington teacher contributing $300 monthly on $58,300 reduces both federal and Vermont taxable income by $3,600 yearly, saving roughly $580 in combined federal and state tax. Pre-tax health insurance premiums and HSA contributions work the same way. The output breaks down each tax layer so you can see exactly where each dollar goes, and you can compare scenarios by changing any input on the fly.

Understanding Your Vermont Paycheck

Your Vermont paycheck has three deduction layers and no local layer: federal income tax, Vermont state income tax, and FICA (Social Security plus Medicare). You will not see a State Disability Insurance line item like California, New Jersey, or New York workers do. Vermont’s Paid Family and Medical Leave program (Act 76 of 2023) is a voluntary insurance program administered by The Hartford, not a mandatory payroll tax. Employers who opt in can fund it fully, split the cost, or offer it as voluntary employee-paid benefit. Most Vermont workers see zero mandatory family-leave deduction. Vermont’s four progressive brackets at 3.35, 6.60, 7.60, and 8.75 percent mean the effective state rate sits well below the headline 8.75 percent top: each tranche of income gets taxed at its own bracket rate, not the highest one. For middle-income workers between $50,000 and $120,000 single, the blended effective state rate typically lands around 3.5 to 5.5 percent of gross.

Below is the per-layer split for a $58,300 single salary:

Vermont is a source-tax state for residents. A Vermont resident who takes a job in Lebanon or Hanover, New Hampshire, still pays Vermont state tax on those wages because Vermont taxes residents on all income, regardless of where it was earned. The same gross paid by a New Hampshire employer to a New Hampshire resident skips the entire state layer.

Vermont vs New Hampshire: The Border Tax Reality

Vermont’s progressive income tax sits next to New Hampshire’s zero percent on wages, and the line between the two states cuts straight through working communities. In the Connecticut River corridor, towns like White River Junction, Brattleboro, and Woodstock see residents commute across the bridge to Lebanon, Hanover, or Keene for work. A Vermont resident earning $75,000 from a New Hampshire employer still owes Vermont state tax on those wages because Vermont taxes residents on all income, regardless of where it was earned. That works out to roughly $3,100 of Vermont state tax that a New Hampshire resident with the exact same gross gets to keep. Over a 30-year career, the differential reaches six figures. This is the single biggest paycheck variable for thousands of Upper Valley workers, and it gets zero coverage in the standard vermont paycheck calculator pages from ADP, SmartAsset, or Gusto.

Vermont Income Tax Brackets 2026

Vermont uses a four-bracket progressive system, with rates stable at 3.35, 6.60, 7.60, and 8.75 percent since Act 11 of 2018 collapsed the former top two brackets into a single 8.75 percent rate. The bracket thresholds adjust each year for inflation via Vermont Department of Taxes annual CPI-U indexing, while the rate percentages themselves are set by statute (Title 32 Chapter 151) and require legislative action to change. Below are the 2026 thresholds for each filing status, applied to Vermont taxable income after subtracting the Vermont standard deduction and personal exemptions (separate from federal amounts). For 2026, the Vermont standard deduction is $7,650 single and $15,300 married filing jointly. The personal exemption is $5,300 per taxpayer, spouse, and each dependent. The brackets work the same way as federal: the first dollars get 3.35 percent, the next get 6.60 percent, and so on. Your effective rate is always lower than your top marginal rate.

Important note: Vermont has its own standard deduction and personal exemption system, separate from the federal amounts. Vermont conforms to the Internal Revenue Code as of December 31, 2024, meaning the state has not yet adopted changes from the One Big Beautiful Bill Act (OBBBA) signed in July 2025. Consult Vermont Department of Taxes for the latest conformity updates.

Single filer 2026:

Married filing jointly 2026:

The Vermont standard deduction for 2026 is $7,650 single, $15,300 married filing jointly, and approximately $11,475 for head of household. The Vermont personal exemption is $5,300 per person (taxpayer, spouse, each dependent).

For our $58,300 Burlington teacher, Vermont taxable income after the $7,650 standard deduction and $5,300 personal exemption is $45,350. The state tax calculation: $45,350 at 3.35% equals $1,519. Because $45,350 falls entirely within the first bracket ($0 to $49,400), the teacher pays the lowest rate on every dollar. Effective Vermont rate on a $58,300 gross: roughly 2.6 percent, well below the 8.75 percent top rate that catches headlines.

Note: the teacher example above uses the standard deduction plus one personal exemption. Workers claiming additional exemptions (dependents) would have lower Vermont taxable income and correspondingly lower state tax.

Vermont’s Family Leave Program: Why You See No SDI on Your Pay Stub

Vermont stands apart from California, New Jersey, New York, Rhode Island, and Hawaii: it does not maintain a State Disability Insurance program with a mandatory employee payroll deduction. Act 76 of 2023, signed by Governor Scott, created the Vermont Family and Medical Leave Insurance (FMLI) program. Unlike mandatory programs in other states, Vermont’s FMLI is a voluntary insurance program administered by The Hartford. Employers with two or more employees can opt in and design a plan that fits their business. Plans can be fully employer-paid, split between employer and employees, or offered as a voluntary employee-paid benefit. The program provides 60 to 70 percent wage replacement for six to 26 weeks per 12-month period for qualifying events including bonding with a new child, caring for a family member with a serious health condition, or the employee’s own serious health condition.

Most Vermont workers see zero mandatory payroll deduction for family leave on their pay stub. Some employers who have opted into the FMLI program and chosen a cost-sharing arrangement may show a small voluntary line item, but this is not universal and not mandatory. If you spot a “VT SDI” line on your stub, ask payroll: Vermont has no State Disability Insurance program at all.

Federal Tax Brackets 2026

The federal layer applies to every Vermont worker regardless of state-side details and uses the brackets published in IRS Revenue Procedure 2025-32. The OBBBA, signed July 4, 2025, made the seven-bracket TCJA structure permanent and provided a 4 percent inflation adjustment for the bottom two brackets and approximately 2.3 percent for the higher brackets for 2026. For 2026, the federal standard deduction for single filers is $16,100, married filing jointly $32,200, and head of household $24,150. These deductions are subtracted from gross before applying the bracket rates. The federal personal exemption remains at $0 (permanently set by OBBBA). After the standard deduction is taken, the federal income tax brackets work the same way as Vermont brackets: each tranche of taxable income gets taxed at its own rate, and your effective federal rate is always lower than your top marginal rate.

For our $58,300 example, federal taxable income is $42,200 after the $16,100 federal standard deduction. Federal tax: 10 percent on the first $12,400 ($1,240) plus 12 percent on the remaining $29,800 ($3,576) gives approximately $4,816. Effective federal rate: 8.3 percent on gross.

FICA: Social Security and Medicare

FICA payroll tax (Federal Insurance Contributions Act) sits on top of income tax and funds two distinct federal programs. The Social Security portion claims 6.2 percent on earnings up through the 2026 wage cap of $184,500 set by the Social Security Administration; income above that cap pays no additional Social Security tax for the year. The Medicare portion runs at 1.45 percent and has no income ceiling whatsoever. Workers earning above $200,000 single or $250,000 married filing jointly pay an additional 0.9 percent Medicare surtax (the Affordable Care Act high-earner addition) on income over those thresholds, withheld by the employer once the threshold is crossed within the calendar year. The employer matches the basic 6.2 percent Social Security and 1.45 percent Medicare invisibly, so the worker pays half and the employer pays half on every dollar.

For our $58,300 Burlington teacher, FICA looks like:

• Social Security: $58,300 multiplied by 6.2% equals $3,615
• Medicare: $58,300 multiplied by 1.45% equals $845
• Total FICA: $4,460 (employer matches Social Security and basic Medicare invisibly)

The employer pays an identical 6.2 percent Social Security and 1.45 percent Medicare, but you only see your half on the pay stub.

How Vermont Compares to Neighboring States

Vermont sits between New Hampshire on the east and New York on the west, with Massachusetts at the southern border, putting Vermont workers within driving distance of three quite different state tax regimes. Tax structure varies dramatically across these neighbors, and the cross-border dynamics matter for any worker considering relocation, remote-work setups, or a job change across state lines. New Hampshire applies zero percent income tax on wages, Massachusetts uses a 5 percent flat rate plus a 4 percent surtax on income above roughly $1.1 million, and New York layers progressive state brackets ranging from 3.9 to 10.9 percent (NYC residents add a city tax that suburban or rural NY workers avoid). Below is take-home pay on a $58,300 single filer salary, with federal and FICA constant at $9,276, comparing Vermont’s net to its three immediate neighbors.

A Vermont resident commuting to New Hampshire keeps the New Hampshire wage benefit only if they relocate residency. Cross-border workers who keep their Vermont home pay the full Vermont rate on all wages.

FAQ

How much tax is taken out of my paycheck in Vermont?

A $58,300 Vermont single salary loses approximately $10,795 to combined payroll taxes annually, netting roughly $47,505 in take-home. The pieces: federal income tax around $4,816, Vermont state around $1,519, Social Security $3,615, and Medicare $845. The proportions shift as income rises because federal and Vermont brackets are progressive: at $100,000 you would lose closer to 25 percent of gross to combined payroll tax.

What percentage does Vermont take out of a paycheck?

Vermont’s effective state income tax rate runs from about 2.5 percent on lower-bracket workers up to 7 to 8 percent on high earners. The top marginal rate of 8.75 percent only applies to taxable income above $249,700 single. There are no Vermont local income taxes and no mandatory state disability insurance deduction, so the Vermont line on your pay stub is entirely state income tax.

How do I calculate Vermont take-home pay manually?

Start with gross. Subtract pre-tax 401(k) and health insurance for federal-taxable wages. Apply the federal standard deduction ($16,100 single 2026), then run the federal bracket calculation layer by layer. Separately, subtract the Vermont standard deduction ($7,650 single 2026) and Vermont personal exemption ($5,300 per person 2026) from gross to get Vermont taxable income, then run the Vermont brackets layer by layer. Add Social Security 6.2 percent on the first $184,500 of wages and Medicare 1.45 percent on all wages. Subtract everything from gross to get take-home. The vermont paycheck calculator above does this automatically.

Is $80,000 a good salary in Vermont?

An $80,000 Vermont salary lands you at the boundary between the 3.35 and 6.60 percent state brackets and the 12 percent federal bracket. After all withholdings, take-home is roughly $62,200 single. Vermont’s median household income runs around $74,000 (Census 2023), so $80,000 individually beats the household median for two earners combined. However, Vermont’s high property tax (about 1.83 percent effective, fifth highest in the US) and elevated cost of housing in Burlington and Stowe absorb a significant share of after-tax income. In Burlington, $80,000 buys a comfortable but not luxurious lifestyle; outside the Chittenden County metro, it goes further.

Does Vermont tax remote workers from another state?

Vermont taxes residents on all income, regardless of where it was earned. A Vermont resident working remotely for a California employer pays Vermont state income tax on those wages, with no California tax (since California only taxes work performed within the state for nonresidents). A nonresident working in Vermont temporarily owes Vermont source-income tax on the days physically worked in the state. Documentation matters: keep dated records of work location for any cross-state arrangement.

What is Vermont Paid Family and Medical Leave and does it appear on my paycheck?

Vermont’s Family and Medical Leave Insurance (FMLI) program was created by Act 76 of 2023 and is a voluntary insurance program administered by The Hartford. Unlike mandatory programs in California, New Jersey, or New York, Vermont’s FMLI does not impose a required payroll tax. Employers who opt in choose how to fund it: fully employer-paid, split with employees, or as a voluntary employee benefit. Most Vermont paychecks show no mandatory deduction for family leave. If your employer has opted in and chosen a cost-sharing model, you may see a small line item on your pay stub.

Is Vermont property tax included in payroll deductions?

No. Vermont property tax is collected through annual property tax bills paid to your municipality, not deducted from your paycheck. However, Vermont’s effective property tax rate of 1.83 percent (Tax Foundation 2024) is the fifth highest in the US, so a Burlington homeowner with the median-priced home pays roughly $4,400 to $5,200 annually on top of payroll tax. When budgeting for take-home pay, factor property tax into housing costs separately.

Can I reduce my Vermont state tax through 401(k) contributions?

Yes. Pre-tax 401(k) contributions reduce Vermont taxable income exactly as they reduce federal taxable income. A Vermont teacher contributing $5,000 yearly to a pre-tax 401(k) at the 6.60 percent state bracket saves $330 in Vermont state tax plus the federal savings. Roth 401(k) contributions do not reduce current Vermont taxable income (they reduce future taxable income at withdrawal).

Should I use this calculator for tax filing?

This vermont paycheck calculator gives estimates for paycheck planning: bonus impact, raise modeling, 401(k) decisions. For actual tax filing, work from your W-2 and use Vermont Form IN-111 or your tax preparer software. The calculator does not handle every edge case (multi-state wages, self-employment income, itemized deductions above standard, retirement distributions, Vermont-specific credits like EITC at 38% or Child Tax Credit). For complex situations, consult a licensed Vermont tax preparer.

Sources

Federal

• IRS Revenue Procedure 2025-32, Federal inflation adjustments for tax year 2026: irs.gov rp-25-32
• SSA Office of the Chief Actuary, Contribution and Benefit Base 2026: ssa.gov wage base
• IRS Topic 751, Social Security and Medicare withholding: irs.gov topic 751

Vermont

• Vermont Department of Taxes, 2026 Rate Schedules: tax.vermont.gov rate schedules
• Vermont Department of Taxes, OBBBA Conformity: tax.vermont.gov obbba
• Tax Foundation, State Individual Income Tax Rates 2026: tax foundation state rates
• Vermont Governor’s Office, FMLI Program: governor.vermont.gov fmli
• Vermont Statutes, Title 32 Income Tax: legislature vermont statutes

Economic context

• BLS Occupational Employment and Wage Statistics, Vermont: bls oes vermont
• US Census Bureau, Vermont QuickFacts: census quickfacts vermont
• Tax Foundation, Vermont State Tax Climate: tax foundation vermont

Conclusion

Vermont’s vermont paycheck calculator picture is simpler than many states because there is no local income tax and no mandatory SDI deduction, but the progressive state brackets and the New Hampshire border dynamic create real planning consequences that generic calculator pages miss. A Burlington teacher netting approximately $47,505 on a $58,300 gross faces an effective combined tax burden around 18.5 percent, comparable to a New York rural worker but materially higher than a New Hampshire resident with the same wages. Property tax adds another 1.83 percent of home value annually, collected separately from payroll. For tax planning, model your 401(k) contribution scenarios in the calculator above and consult a Vermont licensed tax professional for your specific situation. This calculator provides estimates for educational purposes only, not tax advice.

Whether you are weighing a job offer in Burlington or double-checking your paycheck in Montpelier, this vermont paycheck calculator gives you the full breakdown of federal, state, and FICA deductions. For all 50 states, visit the paycheck calculator hub.

This calculator provides estimates for educational purposes, not tax advice. Consult a tax professional for your specific situation.

Jordan Wells

Jordan spent four years in payroll processing before joining Kalkfy as a financial research editor. He is not a CPA or tax attorney; this content is educational, not financial advice.