Last updated: 2025 BLS data · Page refreshed:
How much does a Personal Financial Advisors actually take home in Utah?
4.7% flat rate — 23.8% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Personal Financial Advisors earning $77,390 in Utah (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $77,390 | — |
| Federal Income Tax | -$8,866 | 11.5% |
| Utah State Income Tax | -$3,598 | 4.7% |
| Social Security (OASDI) | -$4,798 | 6.2% |
| Medicare | -$1,122 | 1.4% |
| Total Taxes | -$18,385 | 23.8% |
| Take-Home Pay | $59,004 | 76.2% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Personal Financial Advisors in Utah.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $47,840 | -$9,641 | $38,198 | 20.2% |
| 25th Percentile (P25) | $61,040 | -$12,848 | $48,191 | 21.0% |
| Median (P50) | $77,390 | -$18,385 | $59,004 | 23.8% |
| 75th Percentile (P75) | $117,360 | -$32,140 | $85,219 | 27.4% |
| 90th Percentile (P90) | $208,970 | -$63,166 | $145,803 | 30.2% |
After federal income tax ($8,866), state tax ($3,598), and FICA ($5,920), a Personal Financial Advisors in Utah takes home $59,004 per year — or $4,917 per month. The effective tax rate of 23.8% is relatively low compared to the national range.
With an effective total rate of 23.8%, a Personal Financial Advisors in Utah keeps $59,004 of $77,390 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Utah applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Personal Financial Advisors salary that contributes $3,599 to the 4.7% effective state-tax burden.
Federal tax on this Personal Financial Advisors salary is $8,867 (48%), but combined state ($3,599, 20%) + FICA ($5,920, 32%) make up the other 52% of the bill.
Moving this same Personal Financial Advisors salary to a zero-state-tax state would yield around $62,603 net — a gain of $3,599 (6.1%) per year versus Utah.
Utah sits near the bottom (#45 of 49) for Personal Financial Advisors after-tax earnings. Relocation, negotiation, or credential stacking typically show the clearest ROI in bottom-quartile states.
Translated into paycheck cadences, $59,004 net/year works out to $4,917/month or $2,269/bi-weekly for this Personal Financial Advisors in Utah — the numbers that actually hit a checking account after every deduction.
Where does a Personal Financial Advisors keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Utah ranks #45 out of 49 states for Personal Financial Advisors after-tax take-home pay.
A Personal Financial Advisors in Utah earning a median salary of $77,390 will take home approximately $59,004 per year after federal income tax ($8,866), state income tax ($3,598), and FICA ($5,920). That is $4,917 per month or $2,269 per bi-weekly paycheck.
The effective total tax rate for a Personal Financial Advisors in Utah is 23.8%, broken down as: federal income tax 11.5%, Utah state tax 4.7%, and FICA (Social Security + Medicare) 7.7%. This assumes a single filer with the standard deduction for 2024.
Utah has a 4.7% flat rate. On a Personal Financial Advisors's median salary of $77,390, the state income tax amounts to $3,598 per year, which is an effective state rate of 4.7%.
After all taxes, a Personal Financial Advisors in Utah takes home approximately $4,917 per month, or about $28.37 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $77,390 for Personal Financial Advisors in Utah, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Utah state income tax (4.7% flat rate), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $59,004/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR