Missouri Paycheck Calculator

How to estimate your Missouri take-home pay in 2026

Missouri uses a graduated state income tax with rates from 0% to 4.7%, applied to wages after the federal standard deduction. This calculator estimates your 2026 net pay after federal withholding, FICA payroll taxes, and Missouri state tax so you can plan monthly expenses and compare job offers with confidence.

Enter your annual salary or build it from hourly wages using our gross pay calculator. If you receive 26 paychecks per year, the biweekly pay calculator shows how gross and net amounts spread across the calendar. For federal tax details and dependent credits, see the income tax calculator and salary calculator.

What gets deducted from a Missouri paycheck

A typical Missouri W-2 paycheck includes three layers of mandatory withholding plus any voluntary deductions you elect through your employer:

• Federal income tax: Calculated from 2026 IRS brackets, your W-4 filing status, and qualifying child tax credits.
• FICA taxes: Social Security at 6.2% (capped at the 2026 wage base of $184,500) and Medicare at 1.45%, with an additional 0.9% on wages above $200,000 for single filers. Use our FICA tax calculator to isolate these amounts.
• Missouri state income tax: Graduated rates from 0% to 4.7% applied to Missouri taxable income after the federal standard deduction.

Missouri does not levy a separate state disability insurance tax. Pre-tax 401(k) contributions and HSA deposits reduce gross wages before Missouri taxable income is calculated, lowering overall withholding.

How Missouri state tax is calculated

Missouri taxable income starts with gross wages after pre-tax deductions, then subtracts the federal standard deduction before applying graduated brackets:

For 2026, Missouri applies these graduated brackets to taxable income for single filers:

• $0 to $1,313: 0%
• $1,313 to $2,626: 2%
• $2,626 to $3,939: 2.5%
• $3,939 to $5,252: 3%
• $5,252 to $6,565: 3.5%
• $6,565 to $7,878: 4%
• $7,878 to $9,191: 4.5%
• Over $9,191: 4.7%

Missouri taxable income in this calculator

Missouri taxable income uses the federal standard deduction ($16,100 single, $32,200 joint, $24,150 head of household for 2026) rather than a separate Missouri deduction. This approach differs from states like Kansas that apply their own standard deduction and personal exemptions on top of pre-tax wages.

Worked example: $65,000 salary, single, biweekly, 5% 401(k)

Consider a single Missouri employee earning $65,000 per year, paid biweekly, contributing 5% to a traditional 401(k), with no dependents or health premium deductions:

1. Pre-tax 401(k): $65,000 x 5% = $3,250 per year
2. Gross after pre-tax: $65,000 - $3,250 = $61,750
3. Missouri taxable income: $61,750 - $16,100 (federal standard deduction) = $45,650
4. Missouri state tax: About $1,969.61 per year across graduated brackets (top marginal rate 4.7%)
5. FICA: Social Security and Medicare on the full $65,000 gross (401(k) does not reduce FICA wages)
6. Estimated net per paycheck: About $1,906.84 biweekly after all withholdings

If you expect a performance bonus on top of base salary, estimate the gross amount with our bonus calculator and add it to your annual salary before running this tool.

Missouri vs. neighboring state tax burdens

Missouri sits in a region with varied tax policies. Compare your salary against Illinois (4.95% flat rate), Kansas (progressive rates up to 5.58%), and Arkansas (progressive rates). Running the same inputs through each state calculator reveals how relocation affects your monthly budget.

Frequently asked questions