What is the Mississippi state income tax rate in 2026?

Mississippi uses a flat 4% income tax rate in 2026 on taxable income above $10,000. The first $10,000 of taxable income is exempt from state tax. This is a decrease from the 4.4% rate used in 2025, and the rate is scheduled to continue falling to 3% by 2030 under current state law.

Does Mississippi have local income taxes on wages?

No. Mississippi does not impose local or city-level income taxes on wages. Paycheck withholding for Mississippi employees covers federal income tax, Mississippi state income tax, and FICA taxes only, plus any pre-tax or post-tax benefit deductions your employer runs through payroll.

What personal exemptions apply to Mississippi withholding in 2026?

Mississippi's 2026 withholding formula includes personal exemptions of $6,000 for single filers, $12,000 for married filing jointly, and $9,500 for head of household. Standard deductions are $2,300 for single filers, $4,600 for married filing jointly, and $3,400 for head of household. These amounts reduce the income subject to Mississippi's 4% flat rate.

Is Mississippi phasing out its income tax?

Yes. In March 2025, Mississippi Governor Tate Reeves signed the Build-Up Mississippi Act, which phases down the state income tax rate from 4% in 2026 to 3% by 2030 as a guaranteed reduction. The law also includes triggers that could phase out the income tax entirely by 2040 if the state meets certain revenue growth or spending thresholds. However, for 2026 paychecks, the effective rate is 4% on income above $10,000.

How accurate is this Mississippi paycheck calculator for 2026?

This calculator uses 2026 IRS Publication 15-T federal withholding tables, the Mississippi DOR 2026 withholding formula with the confirmed 4% rate and official exemption amounts, and current Social Security and Medicare FICA rules. Results are estimates for educational purposes and may differ slightly from your employer's actual payroll output due to rounding, supplemental pay, or specific plan configurations.

Mississippi Paycheck Calculator 2026: Estimate Your Take Home Pay After Taxes

Mississippi Paycheck Calculator 2026: Estimate Your Take-Home Pay After Taxes

Mississippi • 2026 Tax Year • Free Paycheck Tool

Find your Mississippi take-home pay after 2026 taxes instantly.

Enter your salary or hourly rate, filing status, and benefits to get a full breakdown of your Mississippi net paycheck for 2026, including the new 4% state income tax rate, federal withholding, and FICA.

4% MS flat state income tax 2026

$10K MS income exempt from state tax

FICA Social Security & Medicare

$0 Free, no signup required

2026 Mississippi payroll facts

MS state income tax

4% flat

On income above $10,000 (down from 4.4% in 2025)

MS income exemption

$10,000

First $10,000 taxable income is state-tax-free

Federal tax brackets

10% to 37%

2026 IRS income tax brackets

FICA rates

6.2% / 1.45%

Social Security / Medicare employee share

Social Security cap

$176,100

2026 Social Security wage base (SSA)

Local wage tax

None

No city or county income tax on wages in MS

Who this Mississippi paycheck calculator helps

Salaried employees in Mississippi

Estimate net pay per paycheck and annually after Mississippi's 4% flat state tax, federal tax, and FICA are taken from your salary.

Hourly workers and shift employees

Model hourly wages and weekly hours, then pair with the weekly pay calculator or overtime calculator for variable schedules.

Job seekers evaluating MS offers

Compare Mississippi job offers based on actual take-home pay, not just gross salary. Use alongside the gross to net calculator for side-by-side comparisons.

HR professionals and recruiters

Show candidates in Jackson, Gulfport, Biloxi, Hattiesburg and other Mississippi cities a realistic net pay figure using verified 2026 state tax rules.

First-time workers in Mississippi

See exactly what comes out of your first paycheck in Mississippi and how benefits, 401(k), and health insurance affect what you actually take home.

Workers planning around MS tax cuts

Mississippi's state tax rate dropped from 4.4% to 4.0% in 2026. Use this tool to see how that change affects your paycheck compared to last year, and plan ahead as rates continue to fall toward 3% by 2030.

Mississippi paycheck calculator 2026

Uses 2026 IRS Publication 15-T federal tables, the Mississippi DOR 2026 withholding formula with the 4% flat rate, and current FICA rules. Built for W-2 employees.

Pay type

Salary Hourly

Annual salary

Enter your total annual gross salary before any taxes or deductions.

Hourly rate

Use your base hourly rate before overtime or shift differentials. Hours per week

Pay frequency

Federal filing status Used for both federal and Mississippi state income tax withholding calculations.

Federal withholding allowances (W-4) Most employees using a 2020 or later W-4 will leave this at 0. Older W-4 users may enter their allowance count.

Mississippi personal exemptions From your Mississippi withholding form. Mississippi allows $6,000 single / $12,000 married / $9,500 HOH personal exemption per year built into the formula. Additional dependent exemptions may apply.

Pre-tax deductions (optional)

401(k) / 403(b) per paycheck

Traditional 401(k) contributions reduce federal and Mississippi taxable income.

Health insurance premium per paycheck

FSA contribution per paycheck

HSA contribution per paycheck

Other pre-tax deductions per paycheck

Post-tax deductions (optional)

Roth 401(k) contribution per paycheck

Your Mississippi paycheck breakdown

Estimated net take-home pay per paycheck

Full pay breakdown

Category	Per paycheck	Annually	% of gross

Where your paycheck goes

Insights about your Mississippi paycheck

This calculator is an estimate only. Actual paycheck withholding can differ based on your W-4, Mississippi withholding form, year-to-date earnings, employer benefit plans, and your employer's payroll system. For personal tax advice, consult a qualified tax professional.

How the Mississippi paycheck calculator works

Convert pay to annual gross income

Your hourly rate and weekly hours, or your salary, is converted to annual gross income based on your chosen pay frequency. For quick conversions outside the paycheck context, use the hourly to salary calculator or salary to hourly calculator.

Subtract pre-tax deductions

Pre-tax deductions like traditional 401(k), health insurance premiums, FSA, and HSA are removed from gross income before tax is calculated. These reduce your taxable wages for both federal and Mississippi state tax, and lower the total taken from each paycheck. Use the pre-tax deduction calculator to model these in detail.

Calculate federal income tax

The calculator uses 2026 IRS Publication 15-T percentage method tables for your filing status to estimate federal income tax per paycheck. Federal allowances from your W-4, if any, are applied before the brackets are used.

Apply Mississippi state income tax

Mississippi's 2026 withholding formula applies the standard deduction and personal exemption for your filing status, then subtracts the $10,000 income exemption. The remaining taxable income above $10,000 is taxed at the flat 4% rate per the Mississippi DOR 2026 withholding guidance.

Calculate Social Security and Medicare (FICA)

Employee Social Security tax is 6.2% on wages up to the $176,100 wage base. Medicare tax is 1.45% on all covered wages. An extra 0.9% Additional Medicare surtax applies to wages above $200,000 single or $250,000 married. FICA is calculated on wages after Section 125 pre-tax benefits but before 401(k).

Deduct post-tax amounts for net pay

Post-tax deductions like Roth 401(k) contributions are removed after taxes. The result is your estimated Mississippi net take-home pay per paycheck and per year. Pair this result with the net pay calculator to verify or adjust your figures.

Mississippi paycheck and tax facts for 2026

Mississippi dropped its income tax rate to 4% in 2026

For 2026, Mississippi's individual income tax rate is a flat 4% on taxable income above $10,000. This is down from 4.4% in 2025 and continues a multi-year reduction. The rate is scheduled to fall to 3.75% in 2027, 3.5% in 2028, 3.25% in 2029, and 3.0% in 2030. Under the Build-Up Mississippi Act signed in March 2025, additional reductions could eliminate the tax entirely by 2040 if revenue triggers are met, but for 2026 paychecks the working rate is 4%.

The $10,000 exemption threshold stays in place for 2026

Mississippi continues to exempt the first $10,000 of taxable individual income from state income tax. This threshold is built into the withholding formula. For a single worker earning $40,000 annually, only $30,000 of taxable income after deductions is subject to state tax at 4%, not the full gross.

Personal exemptions and standard deductions reduce state tax

Before applying the 4% rate, Mississippi also allows personal exemptions and standard deductions. For 2026 withholding, these are $6,000 single / $12,000 married filing jointly / $9,500 head of household for personal exemptions, plus $2,300 single / $4,600 MFJ / $3,400 HOH for the standard deduction. These amounts are applied before the $10,000 bracket threshold in the withholding formula.

No local wage taxes simplify Mississippi paychecks

Mississippi cities and counties do not levy local income taxes on wages. Your paycheck withholding is federal income tax, Mississippi state income tax, and FICA. Moving between cities like Jackson, Gulfport, Biloxi, Meridian, or Hattiesburg does not change your paycheck tax calculations. For a state-to-state comparison, the Alabama paycheck calculator and Louisiana paycheck calculator cover nearby states.

Pre-tax benefits lower both federal and Mississippi tax

Pre-tax payroll deductions like traditional 401(k) contributions, Section 125 health insurance, FSA, and HSA all reduce taxable income before federal and Mississippi state tax is applied. The paycheck after 401(k) calculator and after deductions paycheck calculator let you model specific benefit scenarios.

Mississippi paycheck examples for 2026

These examples use 2026 Mississippi and federal tax rules with typical assumptions. Results are estimates and your actual paycheck will vary.

Example 1

Hourly retail associate in Jackson

Hourly rate: $13.00
Hours per week: 35
Estimated annual gross: about $23,660
Filing status: Single
Pay frequency: Bi-weekly
Gross per paycheck: about $910

After federal tax, Mississippi 4% state tax, and FICA, net pay per check will be meaningfully lower. The MS $10,000 income exemption provides meaningful state tax relief at this income level.

Example 2

Salaried accountant in Gulfport

Annual salary: $68,000
Filing status: Single
Pay frequency: Bi-weekly
401(k) pre-tax: $260 per paycheck
Health premium pre-tax: $120 per paycheck
Gross per paycheck: about $2,615

Pre-tax deductions reduce both federal and Mississippi taxable income. Net take-home pay reflects savings from both the new 4% MS rate and reduced federal withholding from those deductions.

Example 3

Married teacher in Hattiesburg

Annual salary: $52,000
Filing status: Married filing jointly
MS personal exemption: $12,000 (married)
Pay frequency: Semi-monthly
Gross per paycheck: about $2,167

With married personal exemptions, standard deduction, and the $10,000 MS income threshold, this earner's Mississippi state tax burden is substantially reduced compared to single filers at the same salary.

Example 4

Healthcare worker in Biloxi

Annual salary: $82,000
Filing status: Single
Pay frequency: Bi-weekly
HSA pre-tax: $115 per paycheck
Gross per paycheck: about $3,154

Use this Mississippi calculator alongside the gross to net calculator to see how MS rate changes from prior years affect your bottom line at this salary level.

If your Mississippi pay includes bonuses or commissions, model them separately with the bonus paycheck calculator and commission calculator.

Mississippi paycheck calculator FAQs

What is the Mississippi state income tax rate for 2026?

Mississippi's individual income tax rate for 2026 is a flat 4% on taxable income above $10,000. This is a reduction from 4.4% in 2025 and is part of a phased reduction plan that will bring the rate to 3% by 2030. The first $10,000 of taxable income, after exemptions and standard deductions, is exempt from state tax.

Does Mississippi have local income taxes I need to worry about?

No. Mississippi does not have local or city-level wage income taxes. Whether you work in Jackson, Biloxi, Gulfport, Hattiesburg, Tupelo, or anywhere else in Mississippi, your paycheck withholding for income tax is limited to federal and state only. This makes Mississippi paycheck calculations more straightforward than states with layered local taxes.

Will Mississippi eliminate its income tax?

Possibly, but not soon. The Build-Up Mississippi Act signed in March 2025 guarantees rate reductions to 3% by 2030. The law also contains revenue-based triggers that could eventually phase out the state income tax entirely by 2040. However, those additional reductions beyond 3% are not guaranteed and depend on Mississippi meeting specific fiscal targets. For 2026 paychecks, the rate is 4%.

Can I use this calculator for 1099 or self-employment income in Mississippi?

This tool is built for W-2 employees whose employer withholds payroll taxes. Independent contractors and self-employed workers in Mississippi typically pay estimated quarterly taxes rather than paycheck withholding. For those situations, use the self-employment tax calculator or 1099 paycheck calculator.

How do I compare my Mississippi paycheck to a job in another state?

Run the same salary through the Mississippi calculator and then through a no-income-tax state like the Texas paycheck calculator or Florida paycheck calculator to see the net pay difference. Keep in mind that living costs, local taxes, and benefit packages also affect real take-home value when comparing across states.

Data sources

IRS Publication 15-T (2026) — Federal income tax withholding methods and percentage tables for W-2 paycheck estimates. irs.gov
IRS Topic No. 751 — Social Security and Medicare withholding rates — Official 2026 FICA tax rates, Social Security wage base, and Additional Medicare thresholds. irs.gov
Social Security Administration — 2026 wage base — Social Security taxable wage base of $176,100 for 2026. ssa.gov
Mississippi Department of Revenue — 2026 income tax rate and withholding — Mississippi DOR confirmation of the 4% flat rate for 2026, $10,000 income threshold, standard deductions, and personal exemption amounts. dor.ms.gov
Mississippi Legislature — Build-Up Mississippi Act (2025) — State law signed March 27, 2025 establishing the guaranteed income tax reduction schedule through 2030 and potential full phase-out by 2040.
Mississippi Department of Employment Security — Mississippi labor, wage, and employment standards information. mdes.ms.gov

Your privacy

Your pay data never leaves this page. All Mississippi paycheck calculations are processed using JavaScript and server-side PHP on the USAJobsKit server. No salary, wage, or personal data is stored, logged, or transmitted to any third-party service or database.

The tool may temporarily save your latest inputs in your browser's sessionStorage to restore them if you scroll away and return. This data is cleared when you close the tab or browser and is never shared with any other visitor or system.

About this Mississippi paycheck calculator

Eman Ali Mughal

Developed and reviewed by

This Mississippi paycheck calculator was developed and reviewed for accuracy and usability by Eman Ali Mughal using 2026 IRS, SSA, and Mississippi DOR guidance. It uses the confirmed 4% flat state tax rate and official exemption amounts from the Mississippi Department of Revenue.

Last updated: April 22, 2026 · Tax year: 2026 · Sources: IRS, SSA, Mississippi DOR