Missouri Income Tax Calculator 2026

How Missouri Income Tax Calculator Works

Calculate your Missouri income tax (up to 4.8%) 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 4.8%

Missouri uses a progressive income tax system with 8 brackets. Rates range from 0% to 4.8%, 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 41.8% on their highest dollars of income.

Missouri Tax Brackets for 2026 (Single Filer)

The Missouri income tax brackets for single filers are:

• 0% on income from $0 to $1,207
• 2.0% on income from $1,207 to $2,414
• 2.5% on income from $2,414 to $3,621
• 3.0% on income from $3,621 to $4,828
• 3.5% on income from $4,828 to $6,035
• 4.0% on income from $6,035 to $7,242
• 4.5% on income from $7,242 to $8,449
• 4.8% on income over $8,449

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+). If Missouri conforms to federal deductions, your standard deduction and itemized expenses also reduce your state tax liability.

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 — which side of the river is cheaper for taxes? At $80,000 single income, this Missouri income tax calculator produces roughly $3,070 in state tax (4.7% top rate, 3.84% effective) plus Kansas City's 1.0% Earnings Tax ($800) — total $3,870. Living in Overland Park or Lenexa (Kansas side), Kansas state tax at the new 2024 single-bracket structure (5.2% above $30K) is roughly $3,640 per the Kansas Department of Revenue with no city earnings tax — total $3,640. Kansas wins by ~$230/year at this income. The gap widens for higher earners as Missouri's bracket compression flattens but Kansas stays at 5.2% top. Crossing the state line for an apartment to save $20/month tax usually loses to commute time and double-state-return complexity if you work across the border. Use this calculator's output as the Missouri side of the comparison; Kansas tax depends on Kansas-specific brackets — see our Kansas income tax calculator for the matched figure.

Worked Example: Missouri Income Tax on $65,000 (Single, Kansas City Resident)

Suppose a Kansas City resident earns $65,000 in 2025 (the rate that applies to the return filed in 2026). After Missouri's standard deduction (~$14,600 for single, matching federal), Missouri taxable income is roughly $50,400. Missouri's 2025 graduated brackets stack: small amounts at 2%, 2.5%, 3%, 3.5%, 4%, 4.5% on the lowest tiers, then 4.7% on income above the top threshold. The total Missouri state tax works out to approximately $2,225 (~4.4% effective state rate). Add the Kansas City Earnings Tax of 1.0% on gross wages = $650. Federal tax at 22% marginal (single, standard deduction) is roughly $7,100. Combined federal + state + KC earnings = $9,975 — take-home of about $55,025 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 from 5.4% (2017) to 4.95% (2023), to 4.8% (2024), and to 4.7% for tax year 2025 after SB 3 / HB 156 triggered the next "tax cut trigger" — a revenue-growth test tied to general fund collections. The 2026 top rate is projected to drop to 4.6% if FY2025 revenue collections clear the statutory growth threshold (announced each January by the Director of Revenue). Missouri is targeting a final top rate of 4.5% within the next few tax cut triggers, depending on revenue performance.

Practical impact for 2026 filers: every 0.1 percentage point cut saves roughly $30 per $30,000 of taxable income above $8,449. A worker earning $75,000 saves about $66 between 2024 and 2026 rates — modest individually but meaningful in aggregate. Watch the official Director of Revenue announcement in January each year to confirm which bracket structure applies to your filing year. 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. Updated 2026-07-06.

Missouri Income Tax Calculator for Retirees: Social Security and Pension Rules

Missouri fully exempts Social Security benefits from state income tax for filers meeting the AGI test — single filers under $85,000 and joint filers under $100,000 owe zero Missouri tax on SS as of tax year 2024 and later per the Missouri Department of Revenue. Above those thresholds a partial phase-out applies. Public pensions from Missouri state and local government (MOSERS, PSRS/PEERS, teacher retirement) are also fully deductible up to the same income limits. Traditional IRA and 401(k) withdrawals are taxable at Missouri's flat 4.7% rate (2025) or 4.6% (projected 2026), with a $9,000 general retirement deduction available. Bottom line for a retiree pulling $60,000 from a 401(k) with Social Security — most middle-class retirees pay well under $2,000 in Missouri state tax, making it one of the more retiree-friendly Midwest states.

Missouri Federal Income Tax Deduction — The Unusual State Break Most Filers Miss

Missouri is one of only six US states (with AL, IA, LA, MT, OR) that allow a federal income tax deduction on the state return. Per Missouri Department of Revenue Form MO-1040 instructions and Missouri Revised Statutes Sec 143.171, filers may deduct their federal income tax paid — capped at $5,000 single / $10,000 MFJ. Enter the amount from federal Form 1040 line 22 (subtract refundable credits), reported on MO-1040 Line 12. Practical impact: a single Missouri filer with $8,000 federal tax liability deducts $5,000 (the cap) from Missouri taxable income, saving $5,000 × 4.7% = $235 in state tax. A MFJ couple with $12,000 federal tax deducts $10,000, saving $470. This deduction is missed by tax software that doesn't have MO-specific logic — check that TurboTax/H&R Block/FreeTaxUSA populated Line 12 before filing. Estimated payments and self-employment tax count too. Updated 2026-07-14.