This free Missouri paycheck calculator shows your 2026 take-home pay. It covers federal income tax, Missouri state tax, Social Security and Medicare. Missouri's top rate of 4.7% arrives fast, at about $9,400 of taxable income. But two unusually taxpayer-friendly rules keep the real bite modest, and this calculator models both.
First, Missouri uses the same standard deduction as the federal government: $16,100 for a single filer in 2026. That is one of the largest state deductions anywhere. Second, Missouri still lets you subtract part of the federal income tax you pay from your state taxable income. Other states dropped that rule decades ago.
How Missouri taxes your paycheck in 2026
Missouri's brackets are squeezed together. The first roughly $1,348 of taxable income is untaxed. The rates then climb quickly to the 4.7% top by about $9,400. In practice that makes Missouri nearly a flat 4.7% state. But it only applies to income above the federal-sized standard deduction, which is what separates it from true flat states.
Because Missouri matches the federal standard deduction, a single filer's first $16,100 carries no state tax at all. Compare that with Indiana or New Jersey, where state tax starts from nearly dollar one. Missouri's modest headline rate does even better than it looks.
Here is the unusual extra. Missouri lets you subtract part of your federal income tax bill from your state taxable income. The share is 35% at lower incomes, and it shrinks to 0% as you earn more. It is capped at $5,000 single and $10,000 joint. It disappears entirely above $125,000 of adjusted gross income, which is your total income minus a few specific adjustments. This calculator models the deduction, which is why its Missouri numbers beat calculators that skip it.
Kansas City and St. Louis: the 1% earnings tax
Missouri has no statewide local income tax. But its two big cities each charge a separate 1% earnings tax. You owe it if you live in Kansas City or St. Louis, no matter where you work. You also owe it if you work inside either city while living somewhere else.
The earnings tax is not included in this calculator. If it applies to you, subtract 1% of your gross pay from the results here. That is $600 a year on a $60,000 salary and $1,000 on $100,000. Employers inside the cities usually take it out automatically. Residents working outside the city have to file and pay it themselves. That is the classic way people get caught out.
Everywhere else in Missouri there is no local wage tax at all. That covers Springfield, Columbia and the suburbs outside the two city lines. The numbers on this page apply as shown.
What a Missouri paycheck looks like in practice
Stack the federal-sized deduction, the squeezed brackets and the federal tax deduction together. Missouri lands among the gentler tax states for middle incomes. A single filer on $60,000 keeps about 81% of gross pay. That is a state bite of around 3% of total pay. The advantage fades at higher incomes, because the federal tax deduction shrinks and then disappears above $125,000 of adjusted gross income.
Federal deductions are the usual set. Your employer takes out federal income tax based on your W-4 form. Social Security is 6.2% up to the $184,500 wage base. Medicare is 1.45%, plus another 0.9% on pay above $200,000. Missouri adds no state disability or family-leave premiums to the employee side of the stub.
Pre-tax savings get standard treatment. 401(k) contributions skip federal and Missouri income tax but still pay FICA, the Social Security and Medicare tax. HSA money taken from your paycheck skips everything. One piece of trivia for investors: from 2025 Missouri lets you subtract 100% of capital gains from state income. Almost no other state does that. It has nothing to do with your paycheck, but it shows which way Missouri tax policy is heading.
Missouri paycheck FAQ
- How much is $60,000 after taxes in Missouri?
- A single filer on $60,000 with no pre-tax deductions takes home about $48,543 a year in 2026. That is roughly $1,867 per biweekly paycheck. The total tax rate is about 19.1%. That covers federal income tax, Missouri state tax, Social Security and Medicare. Missouri uses the federal standard deduction, so the first $16,100 carries no state tax.
- How much is $100,000 after taxes in Missouri?
- A single filer on $100,000 with no pre-tax deductions keeps about $75,510 a year in 2026. That is roughly $2,904 per biweekly paycheck. The total tax rate is about 24.5%. Missouri's top rate is only 4.7%, and the federal tax deduction shrinks the bill further. These figures leave out the Kansas City and St. Louis 1% earnings taxes.
- Can I really deduct my federal taxes on my Missouri return?
- Partly, yes. Missouri lets you deduct 35% of your federal income tax bill at lower incomes. That share shrinks to 0% as you earn more. The deduction is capped at $5,000 single and $10,000 joint. It disappears above $125,000 of adjusted gross income. This calculator models the rule, which is why its Missouri numbers differ from simpler tools.
- Do I owe the Kansas City or St. Louis earnings tax?
- If you live in Kansas City or St. Louis, you owe that city its 1% earnings tax on your wages. You also owe it if you work inside either city. The tax is not included in this calculator, so subtract 1% of gross pay if it applies. Residents of the rest of Missouri owe no local wage tax.
- What is Missouri's standard deduction?
- Missouri uses the same amounts as the federal government. For 2026 that is $16,100 single, $32,200 married filing jointly, and $24,150 head of household. Pair that with a top rate of just 4.7%. The result is one of the lighter income-tax states for middle earners. The Kansas City and St. Louis earnings taxes sit on top of that.
Sources
- Missouri DOR — individual income tax
- Missouri Revisor — RSMo 143.171 (federal tax deduction)
- Tax Foundation — state income tax rates 2026
All sources accessed and figures verified August 2026.