Utah Capital Gains Tax Calculator
Utah taxes capital gains as ordinary income at the state level, which means a gain on selling shares, property or other investments is added to your other income and taxed using the Utah income tax brackets, with no separate preferential long-term rate like the federal system provides. This calculator estimates the Utah state tax on a capital gain by stacking the gain on top of your other taxable income and applying the sourced Utah State Tax Commission brackets for tax year 2025, then taking the difference. Enter your gain, your other annual taxable income and your filing status to see the state tax attributable to the gain and the effective rate on it. The result is the Utah state portion only; federal capital gains tax, which has separate short-term and long-term rates set by the IRS, is calculated separately. Because the gain stacks on your other income, the same gain is taxed at a higher rate the more you already earn. Some states provide specific exclusions or preferential treatment for certain gains; this tool uses the standard ordinary-income method and links the Utah State Tax Commission so you can confirm any special rule that applies to you.
Utah taxes capital gains as ordinary income. A $20,000.00 gain on top of $60,000.00 of other income (single) adds about $910.00 in Utah state tax, an effective rate on the gain of 4.55%.
How Utah taxes capital gains
Utah taxes capital gains as ordinary income, so the gain is added to your other income and taxed at the Utah bracket rates.
state tax on gain = state income tax on (other income + gain) - state income tax on (other income)
effective rate on gain = state tax on gain / gain x 100
Utah capital gains tax: frequently asked questions
How are capital gains taxed in Utah?
Utah taxes capital gains as ordinary income at the state level: the gain is added to your other taxable income and taxed using the Utah income tax brackets published by the Utah State Tax Commission. This calculator applies those brackets to your gain. Some states provide specific exclusions or rates for particular gains; confirm your situation with the Utah State Tax Commission.
How much state tax will I pay on a $20,000.00 capital gain in Utah?
Stacked on $60,000.00 of other income, a $20,000.00 gain adds about $910.00 of Utah state income tax for a single filer, an effective rate on the gain of 4.55%. Your figure depends on your total income and filing status; enter them above.
Does Utah have a separate long-term capital gains rate?
Most states, including the default treatment here, tax long-term and short-term capital gains at the same ordinary income rates, unlike the federal system which has preferential long-term rates. Any state-specific exclusion or preferential rate is set by the Utah State Tax Commission; this calculator uses the ordinary income method and links the source.
What is Utah's income tax rate?
Utah taxes all individual taxable income at a flat rate of 4.55% under Utah Code §59-10-104. This single rate applies to all filing statuses and all income levels. The rate has been 4.55% since 2008, when Utah simplified its income tax by replacing a graduated rate schedule with a flat rate.
Does Utah have a standard deduction?
Utah does not have a traditional standard deduction. Instead, Utah offers a nonrefundable Taxpayer Tax Credit equal to 6% of the federal personal exemption amount (approximately $243 per exemption for 2024). This credit is subtracted from the tax owed rather than from taxable income. The credit phases out for taxpayers above certain income thresholds set in Utah Code §59-10-1018.
Is Social Security income taxed in Utah?
Utah taxes Social Security benefits to the extent they are included in federal adjusted gross income. However, Utah provides a retirement tax credit for qualifying taxpayers age 65 or older, which can partially or fully offset the state tax on retirement income including Social Security. The credit phases out at higher income levels.
What other major taxes does Utah impose?
Utah levies a statewide sales and use tax of 4.85% on most retail sales. Local jurisdictions add their own rates, with typical combined rates falling between 6% and 9%. Utah also has a corporate income tax at 4.55% and various excise taxes on fuel, tobacco, and alcohol. Property taxes are administered locally.
Official sources
- Utah income tax rates applied to capital gains (tax year 2025): Utah State Tax Commission, as at Jun 12, 2026.
Reviewed by the CalculatorHub team, edited by James Graham, 25 June 2026. See our methodology. General information, not financial or tax advice. State-specific exclusions, if any, are set by the Utah State Tax Commission.