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Mississippi Paycheck Calculator (2026)

Estimate your Mississippi take-home pay after federal tax, FICA, and Mississippi state income tax (flat 4%, with the first $10,000 of taxable income exempt).

How this calculator works

Like our other paycheck calculators, this estimates federal tax and FICA the same way regardless of state. On top of that, it applies Mississippi’s own state income tax: subtract Mississippi’s standard deduction and personal exemption (both set by Mississippi law and both different for single versus joint filers) from your wages, then tax the first $10,000 of what’s left at 0% and everything above that at a flat 4%.

Mississippi has no state disability insurance tax, no paid family leave tax, and no local or municipal income tax anywhere in the state, so Mississippi state income tax is the only state-level line on the breakdown below. Mississippi has also legislated further rate cuts on a path toward eventually eliminating the income tax, but this calculator uses only the rate actually in effect for tax year 2026, not a future year’s scheduled figure.

The formula

(federal tax, FICA, and net-pay assembly are identical to the Arizona calculator)

msTaxableIncome = max(0, wagesAfterPretax − standardDeduction − personalExemption)
                 (standard deduction: $2,300 single, $4,600 joint)
                 (personal exemption: $6,000 single, $12,000 joint)

msIncomeTax = 0% x min(msTaxableIncome, $10,000)
            + 4% x max(0, msTaxableIncome − $10,000)

stateTax = msIncomeTax

Worked example

A single filer earning $60,000/year, paid biweekly, with no 401(k) or extra deductions:

  • FICA: $4,590.00/year (6.2% + 1.45% of $60,000, same as any state)
  • Federal tax: $5,020.00/year ($60,000 minus $16,100 standard deduction = $43,900 taxable, same as any state)
  • Mississippi taxable income: $60,000 minus $2,300 standard deduction minus $6,000 personal exemption = $51,700.00
  • Mississippi income tax: the first $10,000 of that is tax-free; the remaining $41,700 x 4% = $1,668.00/year
  • Net pay: $60,000 minus $4,590.00 minus $5,020.00 minus $1,668.00 = $48,722.00/year, or $1,873.92 per biweekly paycheck

This calculator’s Mississippi figures come directly from the Mississippi Department of Revenue’s own “Individual Income Tax Rates” page and its Pub 89-700-25-1 withholding booklet, both of which label the 4% rate and $10,000 threshold explicitly “Tax Year 2026.” We checked SmartAsset’s Mississippi Paycheck Calculator for comparison (accessed 2026-08-25) and found its quoted rate still reads “4.40%,” which is Mississippi’s 2025 rate, not the 2026 rate this page uses, so we relied on the Department of Revenue’s own current-year figures instead of that secondary source for the rate itself.

Frequently asked questions (FAQ)

What is Mississippi's 2026 state income tax rate?

Mississippi taxes income at a flat 4% above $10,000 of taxable income, with the first $10,000 taxed at 0%, the same for every filer regardless of income level. The rate has stepped down every year since 2022 (4.7% in 2024, 4.4% in 2025), and lawmakers have scheduled further cuts starting in 2027 as Mississippi phases toward eliminating the tax entirely.

Does Mississippi have a standard deduction and a personal exemption?

Yes, and both apply on top of the $10,000 zero-rate threshold. Mississippi's standard deduction is $2,300 for single filers and $4,600 for joint filers, and its personal exemption is $6,000 single and $12,000 joint. Both figures are set directly by Mississippi law rather than borrowed from the federal standard deduction, unlike some other flat-tax states.

Is there a state disability insurance or paid family leave tax on my Mississippi paycheck?

No. Mississippi has no mandatory State Disability Insurance or Paid Family Leave payroll tax, unlike California, New Jersey, or New York. A new parental leave program covers only state government employees, and a broader private-sector paid leave bill has been introduced but not enacted. Mississippi state income tax is the only state-level line on this paycheck.

Does Mississippi have local or city income taxes?

No. Unlike Pennsylvania, Ohio, or Alabama, no Mississippi city or county levies a wage-based local income tax. Some cities add up to 1% in local sales tax or a tourism tax on hotels and restaurants, but neither affects payroll withholding, so this calculator's Mississippi figure applies statewide with no local adjustment needed.

Does contributing to a 401(k) lower my Mississippi state tax the way it lowers my federal tax?

Yes. Mississippi's withholding rules follow the same wage concept as federal withholding, so 401(k) elective deferrals and pre-tax health premiums are excluded from wages before Mississippi's standard deduction, personal exemption, and 4% rate apply, the same way those amounts are excluded for federal income tax purposes.

Is Mississippi actually eliminating its income tax?

Lawmakers have legislated a path toward it. A 2022 law phased the rate down to 4% by 2026, and a 2025 law schedules further annual cuts starting in 2027 with the goal of reaching 0% over roughly a decade. This calculator uses only the verified, currently enacted 2026 rate, not a future year's projected figure.

Why is my actual Mississippi paycheck different from this calculator's estimate?

This calculator spreads your estimated annual tax liability evenly across paychecks, while employers use IRS and Mississippi withholding tables built from wage brackets that don't produce identical per-paycheck amounts. It also assumes the standard deduction and a single personal exemption, and doesn't account for dependents, itemizing, or other benefit elections.

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