Paycheck Calculator Missouri 2026
This paycheck calculator for Missouri turns your gross pay into 2026 take-home pay after federal income tax, Missouri's graduated state tax (0%–4.7%), Social Security, Medicare and the optional 1% Kansas City or St. Louis earnings tax — calculated privately in your browser.
A paycheck calculator for Missouri estimates your take-home pay by subtracting 2026 federal income tax, Social Security (6.2% up to $184,500), Medicare (1.45%), Missouri state income tax (0% to 4.7% after the standard deduction) and, for Kansas City or St. Louis, a 1% city earnings tax from your gross wages each pay period.
Missouri Payroll Tax Overview
Missouri uses a graduated state income tax with a top marginal rate of 4.7% for 2026 — the rate is unchanged from 2025, while the bracket widths were adjusted for inflation. Because the whole ladder is used up by $9,436 of taxable income, most full-time workers pay 4.7% on the bulk of their taxable wages, but their effective rate stays lower thanks to the standard deduction and the low brackets. Missouri’s withholding formula uses the same standard deduction as the federal return: $16,100 single, $32,200 married (one earner) and $24,150 head of household.
The 2026 federal income tax brackets for single filers are 10% on the first $12,400; 12% to $50,400; 22% to $105,700; 24% to $201,775; 32% to $256,225; 35% to $640,600; and 37% above (IRS, Rev. Proc. 2025-32). Pre-tax deductions (401k, health insurance, HSA) reduce taxable income before both federal and Missouri tax are applied.
Missouri Income Tax Rate 2026: Bracket Table
These are the annual brackets in the 2026 Missouri Withholding Tax Formula published by the Missouri Department of Revenue. They apply to Missouri taxable income — gross wages minus pre-tax deductions and the standard deduction.
| Missouri taxable income | Rate | Tax on this slice |
|---|---|---|
| $0 – $1,348 | 0% | $0 |
| $1,348 – $2,696 | 2.0% | up to $26.96 |
| $2,696 – $4,044 | 2.5% | up to $33.70 |
| $4,044 – $5,392 | 3.0% | up to $40.44 |
| $5,392 – $6,740 | 3.5% | up to $47.18 |
| $6,740 – $8,088 | 4.0% | up to $53.92 |
| $8,088 – $9,436 | 4.5% | up to $60.66 |
| Over $9,436 | 4.7% | 4.7% of the excess |
Shortcut: if your Missouri taxable income is above $9,436, your state tax is $262.86 plus 4.7% of everything over $9,436. Missouri has no state disability (SDI) payroll tax.
Paycheck Calculator Missouri Example: $60,000 Single, Biweekly
Here is how this paycheck calculator for Missouri handles a single filer earning $60,000 a year, paid every two weeks (26 paychecks of $2,307.69), with no pre-tax deductions. Federal taxable income is $43,900 ($60,000 − $16,100); Missouri taxable income is the same $43,900.
| Per biweekly paycheck | Outside KC / St. Louis | KC or St. Louis (1%) |
|---|---|---|
| Gross pay | $2,307.69 | $2,307.69 |
| Federal income tax ($5,020/yr) | $193.08 | $193.08 |
| Social Security 6.2% | $143.08 | $143.08 |
| Medicare 1.45% | $33.46 | $33.46 |
| Missouri income tax ($1,882.67/yr) | $72.41 | $72.41 |
| City earnings tax 1% | $0.00 | $23.08 |
| Take-home pay | $1,865.67 | $1,842.59 |
| Annual take-home | $48,507.33 | $47,907.33 |
The 1% earnings tax costs this worker $600 a year — about $23 per paycheck. Click “Load $60k example” above to reproduce these numbers (the tool may show a 1-cent difference because $2,307.69 × 26 = $59,999.94), then switch the local tax setting.
Kansas City and St. Louis Earnings Tax
Kansas City and the City of St. Louis are the only Missouri cities that levy a 1% earnings tax. Residents owe it on all earned income wherever they work; non-residents owe it only on pay for work physically performed inside city limits, so a remote worker living outside the city generally does not pay it. Missouri law requires voters to renew each tax every five years, and both cities renewed it on April 7, 2026 — Kansas City with about 75% approval and St. Louis (Proposition E) with about 85%, keeping the tax in place through 2031 (KCTV5, St. Louis Public Radio). This calculator applies the 1% to gross wages; it is not deductible from your Missouri or federal taxable income.
How to Lower Your Missouri Paycheck Taxes
Pre-tax deductions lower both federal and Missouri taxable income: 401(k) contributions (up to $24,500 in 2026), HSA contributions (up to $4,400 for self-only coverage in 2026) and employer health insurance premiums. Each $100 of pre-tax 401(k) saves a single filer in the 12% federal bracket about $16.70 of federal and Missouri tax combined.
How to Use This Missouri Paycheck Calculator
- Choose your pay period (weekly, biweekly, semimonthly, monthly or annual) and filing status.
- Enter your gross pay for one pay period and any pre-tax deductions per period (401k, health insurance, HSA).
- Pick Kansas City or St. Louis if you live there or physically work there; otherwise leave “None”.
- Press Calculate to see federal tax, Social Security, Medicare, Missouri tax, city tax and net pay per period and per year.
Results are estimates using annualized 2026 rates. Social Security stops at the $184,500 wage base (SSA) and an extra 0.9% Medicare tax is withheld on wages above $200,000 (IRS Topic 560). Actual withholding can differ with your W-4 or MO W-4 entries, extra withholding, bonuses, or two-earner households (Missouri’s withholding formula uses $16,100 for a married employee whose spouse also works).
Last updated: October 2026
Frequently Asked Questions
How accurate is this paycheck calculator for Missouri?
This paycheck calculator for Missouri uses the 2026 IRS brackets and standard deduction (Rev. Proc. 2025-32), the $184,500 Social Security wage base, and the 2026 Missouri withholding brackets from 0% to 4.7%. It gives a per-period and annual estimate close to actual withholding for most salaried workers. Kansas City and St. Louis workers can turn on the 1% earnings tax option.
How much is $60,000 a year after taxes in Missouri?
For a single filer paid biweekly with no pre-tax deductions, $60,000 a year comes to about $48,507 after 2026 federal tax ($5,020), Social Security ($3,720), Medicare ($870) and Missouri income tax ($1,883) - roughly $1,866 per paycheck. Living or working in Kansas City or St. Louis adds a 1% earnings tax ($600), leaving about $47,907, or $1,843 per paycheck.
Who pays the Kansas City and St. Louis earnings tax?
Residents of Kansas City and the City of St. Louis pay the 1% earnings tax on all earned income, wherever they work. Non-residents pay it only on wages for work physically performed inside city limits. Voters in both cities renewed the tax on April 7, 2026, so it continues through 2031.
How often does the Missouri paycheck calculator need updating?
Federal brackets and standard deduction update each January when the IRS publishes new inflation adjustments. Missouri brackets are reviewed annually by the Department of Revenue. This page refreshes each year to track the current rates.
Does Missouri have state income tax?
Yes, Missouri has a graduated state income tax. The top marginal rate is 4.7%.
What is the Missouri state income tax rate?
Missouri's top state income tax rate is 4.7%. Lower income brackets are taxed at lower rates.
How is take-home pay calculated in Missouri?
Take-home pay in Missouri is your gross pay minus pre-tax deductions (401k, health insurance, HSA), federal income tax (10%–37%), Social Security (6.2%), Medicare (1.45%), Missouri state income tax (0% to 4.7% after the standard deduction) and, in Kansas City or St. Louis, the 1% city earnings tax.
What payroll taxes apply in Missouri?
Employees in Missouri pay federal income tax, FICA (Social Security 6.2% + Medicare 1.45%), Missouri state income tax at up to 4.7%. Employers match Social Security and Medicare.
Does Missouri have SDI or disability tax?
Missouri does not have a state SDI or disability insurance payroll tax deduction.