This free Mississippi paycheck calculator shows your 2026 take-home pay. It covers federal income tax, Mississippi state tax, Social Security and Medicare. Mississippi uses one rate for 2026, and it is 4.0%. Last year it was 4.4%. The first $10,000 of your taxable income is taxed at 0%.
The rate keeps falling. HB 1 of 2025 sets the path down. It drops to 3.75% in 2027 and 3.50% in 2028. After that, revenue triggers decide the pace. Ending the state income tax for good is the stated goal. Mississippi has no local income tax, so no city takes a slice of your pay.
How Mississippi taxes your paycheck in 2026
Mississippi tax math is short. Work out your taxable income first. The first $10,000 of it is taxed at 0%. Every dollar above $10,000 is taxed at 4.0%. There is no third step and no higher band. Someone earning $40,000 and someone earning $400,000 pay the same 4.0% on their top dollars.
One schedule covers every filing status. The $10,000 zero band is not doubled for a married couple filing together. A couple gets the same single $10,000 band that one person gets. Your filing status changes your exemption and your deduction only. It does not widen the band.
The exemption is $6,000 for a single filer. A married couple filing together gets $12,000. Head of family gets $8,000. An exemption is an amount you subtract from your income before tax. The standard deduction is $2,300 single, $4,600 joint and $3,400 head of family. You subtract both, then apply the band and the rate.
Your first $18,300 is free
Those three pieces stack, and that is the part people miss. A single filer subtracts the $6,000 exemption. Then the $2,300 standard deduction comes off. Then the $10,000 zero band applies. Add them up and a single filer pays no Mississippi tax on the first $18,300 of pay.
A married couple filing together stacks a bigger pile. The exemption is $12,000 and the deduction is $4,600. The zero band is still $10,000, because it does not double. That adds up to $26,600 of pay with no Mississippi tax on it. Above that line, every dollar is taxed at 4.0%.
Head of family works out at $8,000 plus $3,400 plus $10,000. One note on that $8,000. Mississippi publishes the head of family exemption as $9,500. That published number includes $1,500 for the one dependent the status requires. This calculator has no dependents field, so it uses the taxpayer-only $8,000. Your real tax may be a little lower than shown.
Retirement money, 401(k)s and what this page leaves out
Mississippi does not tax retirement income at all. Pensions are exempt. Withdrawals from a 401(k) are exempt. Social Security benefits are exempt. That is one of the friendliest retirement rules in the country. It does not change your paycheck while you are still working, so it is not part of this calculator.
A traditional 401(k) lowers your federal tax and your Mississippi tax. It does not lower Social Security or Medicare. Money sent to an HSA through payroll lowers all four. That gap is not a bug in the math. It is how federal payroll law is written.
No Mississippi city or county charges an income tax on wages. Jackson, Gulfport, Southaven and Hattiesburg all take nothing extra. So your Mississippi paycheck has four mandatory taxes and no more. Use the fields above to add your filing status and your pre-tax savings.
Mississippi paycheck FAQ
- How much is $60,000 after taxes in Mississippi?
- Start with a single filer and no pre-tax money. That worker keeps about $48,722 a year, $1,874 per biweekly paycheck, 18.8% total tax rate. The figure covers federal income tax, Mississippi state tax, Social Security and Medicare. Mississippi has no local income tax to add.
- How much is $100,000 after taxes in Mississippi?
- Take a single filer with no pre-tax money. That worker keeps about $75,912 a year, $2,920 per biweekly paycheck, 24.1% total tax rate. Adding 401(k) or HSA money above will raise the take-home share. No Mississippi city charges an income tax.
- What is the Mississippi income tax rate in 2026?
- It is 4.0% for 2026, down from 4.4%. The first $10,000 of taxable income is taxed at 0%. Every dollar above that is taxed at 4.0%. There is no higher band. HB 1 of 2025 drops the rate to 3.75% in 2027 and 3.50% in 2028.
- Is the $10,000 zero band doubled for married couples?
- No. One schedule covers every filing status in Mississippi. A married couple filing together gets the same single $10,000 band. Filing status changes your exemption and your standard deduction only. The exemption goes from $6,000 to $12,000 and the deduction from $2,300 to $4,600.
- How much can I earn before Mississippi taxes me?
- A single filer pays nothing on the first $18,300. That is the $6,000 exemption plus the $2,300 standard deduction plus the $10,000 zero band. A married couple filing together clears $26,600 the same way. Above those lines, every dollar is taxed at 4.0%.
- Does Mississippi tax retirement income?
- No. Pensions, 401(k) withdrawals and Social Security benefits are all exempt from Mississippi income tax. That makes the state easy on retirees. It does not change your paycheck while you are working, so this calculator does not model it.
- Why does this calculator use $8,000 for head of family?
- Mississippi publishes the head of family exemption as $9,500. That number includes $1,500 for the one dependent the status requires. This calculator has no dependents field, so it uses the taxpayer-only $8,000. Your real Mississippi tax may be a little lower than the figure shown.
Sources
- Mississippi DOR — individual income tax
- Mississippi DOR — withholding tax
- Tax Foundation — Mississippi tax data
All sources accessed and figures verified August 2026.