Missouri Income Tax Calculator 2026
Calculate your combined federal and Missouri state income tax for 2026. See your federal brackets, Missouri tax, effective rate, and take-home pay — all calculated privately in your browser.
How Missouri Income Tax Calculator Works
Calculate your Missouri income tax (up to 4.7%) plus federal tax. See combined brackets, effective rate, and take-home pay. Enter your values into the form above and the calculator processes them instantly in your browser — no data is sent to any server.
Missouri Income Tax: Graduated Brackets Up to 4.7%
Missouri uses a progressive income tax system with 8 brackets. Rates range from 0% to 4.7%, with higher income taxed at higher rates. Missouri has been gradually reducing its top rate and plans further cuts.
Like federal taxes, Missouri's system is marginal — only the income within each bracket is taxed at that bracket's rate. Combined with federal taxes (10%–37%), Missouri residents can face a total marginal rate of up to 41.7% on their highest dollars of income.
Missouri Tax Brackets for 2026 (Single Filer)
The Missouri income tax brackets for single filers are:
- 0% on taxable income from $0 to $1,348
- 2.0% on taxable income from $1,348 to $2,696
- 2.5% on taxable income from $2,696 to $4,044
- 3.0% on taxable income from $4,044 to $5,392
- 3.5% on taxable income from $5,392 to $6,740
- 4.0% on taxable income from $6,740 to $8,088
- 4.5% on taxable income from $8,088 to $9,436
- 4.7% on taxable income over $9,436
These brackets (the same for every filing status) apply to Missouri taxable income: your income minus the Missouri standard deduction, which matches the federal amount ($16,100 single, $32,200 married filing jointly, $24,150 head of household for 2026). Example: a single filer earning $60,000 has $43,900 of Missouri taxable income and owes about $1,883 in Missouri income tax.
Your marginal rate is the rate on your last dollar of income. Your effective rate (total tax divided by total income) is always lower because of the progressive structure.
Tips to Lower Your Missouri Tax
Maximize pre-tax retirement contributions to reduce both federal and Missouri taxable income. The 2026 401(k) limit is $24,500 ($32,500 with catch-up for age 50+). Missouri's standard deduction matches the federal one, so this calculator subtracts $16,100 (single) before applying the Missouri brackets; federal itemized deductions are not applied to the state figure.
Tips for Getting Accurate Results
For the most accurate results, use up-to-date numbers from official sources. Double-check your inputs before calculating — small errors in the starting values can lead to significantly different outputs. If you are comparing scenarios, keep all variables the same except the one you are testing. Save or screenshot your results for future reference. This calculator uses standard formulas and is designed to give you a reliable quick estimate, though professional advice may be needed for complex situations.
Missouri Income Tax Calculator vs Kansas — Cross-Border Comparison for KC Metro
The Kansas City metro straddles the Missouri-Kansas state line, so the side you live on changes your tax bill. At $80,000 single income, this Missouri income tax calculator gives about $2,823 in 2026 Missouri state tax ($63,900 of Missouri taxable income after the $16,100 standard deduction, about 3.5% of gross income). Living inside Kansas City, Missouri adds the 1.0% Earnings Tax ($800), for $3,623 of state plus city tax. Kansas has no city earnings tax but uses its own brackets and deductions — see the Kansas Department of Revenue or our Kansas income tax calculator for the matched figure. Crossing the state line to save a small tax difference often loses to commute time and the complexity of filing two state returns if you work across the border.
Worked Example: Missouri Income Tax on $65,000 (Single, Kansas City Resident)
Suppose a Kansas City resident earns $65,000 in wages in 2026. After Missouri's standard deduction ($16,100 for single filers, matching federal), Missouri taxable income is $48,900. The 2026 brackets stack: 0% on the first $1,348, then 2%, 2.5%, 3%, 3.5%, 4% and 4.5% on each following $1,348, and 4.7% on taxable income above $9,436. The total Missouri state tax works out to about $2,118 (about 3.3% of gross wages). Add the Kansas City Earnings Tax of 1.0% on gross wages = $650. Federal tax (single, $16,100 standard deduction, 12% marginal bracket) is about $5,620. Combined federal + state + KC earnings = $8,388 — take-home of about $56,612 before FICA (which adds another 7.65%). Move to a non-KC/non-STL Missouri address and you save the $650 earnings-tax line. The Missouri Department of Revenue confirms the current rate each January.
Missouri Tax Rate Cuts: What's Happening in 2026
Missouri has been on a multi-year campaign to cut its top income tax rate. Per the Missouri Department of Revenue, the top rate dropped to 4.95% (2023), 4.8% (2024) and 4.7% for tax year 2025 under the revenue-growth "tax cut trigger" in SB 3. The 2026 Missouri withholding brackets used in this calculator keep the 4.7% top rate, with each lower bracket $1,348 wide. Further 0.1-point cuts happen only when the revenue trigger is met, and the Director of Revenue confirms the rate each year.
Practical impact: every 0.1 percentage point cut saves $30 per $30,000 of taxable income above the top bracket threshold ($9,436 for 2026). Local income tax in Missouri: only Kansas City (1.0% Earnings Tax) and St. Louis (1.0% Earnings Tax) charge a city-level income tax — collected separately from your Missouri return and not included in this calculator. Updated 2026-10-06.
Missouri Income Tax Calculator for Retirees: Social Security and Pension Rules
Missouri exempts Social Security benefits from state income tax from tax year 2024 (SB 190, 2023), per the Missouri Department of Revenue. Public pensions (MOSERS, PSRS/PEERS) and private pensions can qualify for separate Missouri deductions that have income limits and caps. Traditional IRA and 401(k) withdrawals are taxable at Missouri's graduated rates (up to 4.7% for 2026). Example: a single retiree withdrawing $60,000 from a 401(k) owes about $1,883 in Missouri tax with this calculator before any pension deduction or extra age-65 standard deduction, which keeps Missouri among the more retiree-friendly Midwest states.
Missouri Federal Income Tax Deduction — The Unusual State Break Most Filers Miss
Missouri is one of the few states that allow a deduction for federal income tax on the state return. Per the Missouri Department of Revenue Form MO-1040 instructions and Missouri Revised Statutes Sec 143.171, the deduction is capped at $5,000 single / $10,000 married filing jointly, and the share of federal tax you can deduct shrinks as Missouri adjusted gross income rises, phasing out entirely at higher incomes. This calculator, like the Missouri withholding tables, does not apply the federal tax deduction, so lower- and middle-income filers may owe somewhat less Missouri tax on the actual return. Check that your tax software completed the federal tax deduction section of Form MO-1040 before filing. Updated 2026-10-06.
Frequently Asked Questions
What is Missouri's top income tax rate?
Missouri's top marginal income tax rate is 4.7% for 2026, on taxable income above $9,436. The state has 8 tax brackets with rates ranging from 0% to 4.7%.
How does Missouri's income tax work?
Missouri uses a progressive system where income is taxed at increasing rates through 8 brackets. Only income within each bracket is taxed at that bracket's rate.
How much total tax will I pay in Missouri?
Your total tax includes both federal (10%-37%) and Missouri state tax (up to 4.7%). A single filer earning $60,000 owes about $1,883 in 2026 Missouri tax after the $16,100 standard deduction. Use this calculator to see the combined amount, effective rate, and take-home pay.
Does Missouri conform to federal deductions?
Largely. Missouri starts from federal adjusted gross income and its standard deduction matches the federal amount ($16,100 single, $32,200 married filing jointly, $24,150 head of household for 2026). Missouri also allows a partial deduction for federal income tax paid, which this calculator does not apply.
How can I lower my Missouri state income tax?
Maximize pre-tax retirement contributions (401k, IRA), use your HSA, and ensure you take all available deductions. These reduce both federal and state taxable income.
Is Missouri's top income tax rate dropping in 2026?
Not in the brackets used here. The 2026 Missouri withholding brackets keep the 4.7% top rate that applied for 2025 (0% on the first $1,348 of taxable income, then 2% to 4.7%). Missouri cuts its top rate in 0.1-point steps only when the revenue trigger under SB 3 is met, and the Missouri Department of Revenue confirms the rate each year.
Do Kansas City and St. Louis charge city income tax?
Yes. Kansas City and St. Louis each impose a separate 1.0% Earnings Tax on residents and on non-residents who work in those cities. This is collected via the cities' own earnings tax returns (Form RD-109 for Kansas City, Form E-1 for St. Louis), separate from your Missouri state return. The 1% applies to gross wages and self-employment income. The rest of Missouri has no local income tax.
How do I use this Missouri income tax calculator step by step?
Enter your gross annual income, filing status, deduction type (standard or itemized for federal) and number of dependents. The tool returns federal income tax (2026 brackets), Missouri state tax (2026 brackets from 0% to 4.7% after the Missouri standard deduction), combined effective rate, marginal rates, and estimated take-home pay. The calculator does NOT include Kansas City or St. Louis 1% Earnings Tax — add those separately if you live or work in those cities.
If I live in Kansas City, MO and work in Overland Park, KS — who taxes my income?
Both Missouri and Kansas claim a piece. As a Missouri resident, all your wages are subject to Missouri state income tax (4.7% top rate for 2026) plus the Kansas City 1.0% Earnings Tax. Kansas also taxes the wages you earn for work performed in Kansas. To prevent double-taxation, Missouri grants a credit for the Kansas tax paid on the same income. You file a Kansas non-resident return (K-40 with Schedule S) and a Missouri resident return claiming the credit. Net result: you typically pay the higher of the two state rates on the Kansas-earned portion, plus the KC Earnings Tax.
Is Missouri income tax cheaper than Kansas for KC-area earners?
It depends on income and on whether you live in Kansas City proper, which adds the 1.0% Earnings Tax. At $80,000 single income this calculator gives about $2,823 in 2026 Missouri state tax; a Kansas City resident adds $800 of earnings tax for $3,623. Kansas has no city earnings tax but its own brackets and deductions, so compare this figure with our Kansas income tax calculator before choosing a side of the state line.
What is the 2026 Missouri tax cut trigger and how does the calculator handle it?
Missouri's top income tax rate drops 0.1 percentage point in years when General Revenue collections grow above the statutory threshold set by SB 3. The top rate was 4.7% for 2025, and the 2026 Missouri withholding brackets used by this calculator keep 4.7%. If a later cut is triggered, each 0.1-point cut saves about $30 per $30,000 of taxable income above $9,436.
Does Missouri tax Social Security benefits in 2026?
No. From tax year 2024 Missouri exempts Social Security benefits from state income tax (SB 190, 2023). Public and private pensions can qualify for separate Missouri deductions with income limits and caps. Other taxable retirement income is taxed at Missouri's graduated rates up to 4.7%.
Are 401(k) and IRA withdrawals taxable in Missouri?
Yes — traditional 401(k), traditional IRA, and pre-tax pension withdrawals are taxable in Missouri at the graduated 2026 rates (0% to 4.7% after the standard deduction). Pension income may qualify for a Missouri pension deduction subject to income limits. Roth 401(k) and Roth IRA withdrawals are federal- and state-tax-free once you meet the 5-year rule and age 59½.
Can I deduct my federal income tax on my Missouri state return?
Yes, partly. Missouri allows a deduction for federal income tax paid, capped at $5,000 single / $10,000 married filing jointly, and the deductible share shrinks as Missouri adjusted gross income rises, phasing out entirely at higher incomes. It is claimed on Form MO-1040. This calculator, like Missouri withholding tables, does not apply the deduction, so your return may show slightly less Missouri tax. Source: Missouri Rev. Stat. Sec 143.171.
Do I pay Kansas City or St. Louis city earnings tax on top of Missouri state tax?
Yes if you work OR live in Kansas City or St. Louis. Both cities levy a 1.0% Earnings Tax on gross wages (before Missouri state tax computation, no deduction against MO tax). Kansas City residents pay 1% regardless of workplace; non-residents pay 1% only on wages earned within KC limits. St. Louis operates the same 1% City Earnings Tax on all wages earned inside city limits and on all residents' wages. Filing: KC uses Form RD-109 (residents) or Form RD-108 (non-residents), St. Louis uses Form E-1. Both are due April 15 alongside your federal and Missouri returns. The 1% is on top of Missouri's 4.7% state tax.