Mississippi Paycheck Calculator 2026

Mississippi Payroll Tax Overview

Mississippi uses a flat state income tax rate of 4.0% for 2026 on taxable income above $10,000. Every dollar you earn above the standard deduction ($2,300 single), the personal exemption ($6,000 single) and the $10,000 zero-rate band is taxed at the same 4.0% rate. This makes Mississippi paycheck calculations straightforward and predictable.

On top of state income tax, workers in Mississippi also pay federal income tax (10%–37% graduated brackets), Social Security (6.2% up to the $184,500 2026 wage base), and Medicare (1.45%, or 2.35% above $200,000 for high earners). Pre-tax deductions like 401(k) and health insurance reduce both federal and state taxable income.

The 2026 federal income tax brackets for single filers (IRS Rev. Proc. 2025-32): 10% on the first $12,400 of taxable income; 12% to $50,400; 22% to $105,700; 24% to $201,775; 32% to $256,225; 35% to $640,600; 37% above, after a $16,100 standard deduction ($32,200 married filing jointly). Your effective federal rate will be well below the marginal rate at most income levels.

Federal vs Mississippi Tax Burden

For a Mississippi single filer earning $60,000 annually, estimated federal income tax is roughly $5,020 (8.4% effective), plus Mississippi state tax of $1,668 (4.0% of the $41,700 of taxable income above $10,000), Social Security $3,720, and Medicare $870. Estimated annual take-home: approximately $48,720.

The flat tax structure means Mississippi does not penalize additional income with a higher marginal state rate — every extra dollar earned is taxed at exactly 4.0% for state purposes. This can make Mississippi attractive for higher earners who benefit from the predictability of a flat system.

Pre-tax 401(k) contributions, HSA contributions, and health insurance premiums reduce both federal and Mississippi taxable income before tax is applied. Maximizing pre-tax deductions is one of the most effective ways to reduce your Mississippi paycheck tax burden.

How to Use This Mississippi Paycheck Calculator

Enter your pay period (weekly, biweekly, semimonthly, monthly, or annual), then input either your annual gross salary or your hourly rate and average hours per week. Select your federal filing status — single, married filing jointly, married filing separately, or head of household — as this determines your federal tax brackets and standard deduction.

If you have pre-tax deductions such as a 401(k) contribution, health insurance premium, or HSA contribution, enter the total per-period dollar amount. These reduce your taxable income before federal and state taxes are calculated. The calculator will show federal income tax, Social Security (6.2%), Medicare (1.45%), Mississippi state income tax (4.0%), your total deductions, and your net take-home pay — both per period and annualized.

Results are estimates based on standard assumptions and 2026 tax rates. Actual withholding may differ based on your W-4 elections, additional withholding, local taxes (in some cities), or retirement plan contribution limits. For precise payroll calculations, consult your payroll provider or a tax professional.

Mississippi Flat-Tax Phase-Down Schedule and 2026 Rate

Mississippi is phasing down its income tax under House Bill 1 of 2025, which followed the 2022 Mississippi Tax Freedom Act (HB 531). Per the Mississippi Department of Revenue official rate schedule, the rate on taxable income above $10,000 fell from 4.7% in 2024 to 4.4% in 2025 and 4.0% in 2026, and is scheduled to drop to 3.75% in 2027, 3.5% in 2028, 3.25% in 2029 and 3.0% in 2030, with further cuts possible if revenue triggers are met. The first $10,000 of taxable income is taxed at 0% — so a single filer with $50,000 taxable income pays 4.0% only on $40,000 ($1,600 in state tax). This calculator subtracts the standard deduction and personal exemption, then applies 4.0% above $10,000. Note: Mississippi has no local/county income tax, unlike Maryland or Pennsylvania — your paycheck deductions stop at the state line. Updated 2026-10-06.