Mississippi Paycheck Calculator (2026)
Estimate your take-home pay in Mississippi after federal tax, FICA, and MS state income tax, using official 2026 rates.
Estimated take-home pay · Mississippi
$48,722 / year
Monthly
$4,060
Biweekly
$1,874
Hourly
$23.42
- Gross pay
- $60,000
- Federal income tax
- −$5,020
- MS state income tax
- −$1,668
- Social Security (6.2%)
- −$3,720
- Medicare (1.45%)
- −$870
- Take-home pay
- $48,722
- Effective tax rate
- 18.8%
How Mississippi taxes paychecks in 2026
Mississippi taxes wages at a flat 4.00% after a $2,300 standard deduction (single). The 2026 standard deduction is $2,300 (single) / $4,600 (married). A personal exemption of $6,000 (single) / $12,000 (married) also reduces taxable income.
Single filer · 2026 MS brackets
| 0.00% | Up to $10,000 |
| 4.00% | Over $10,000 |
Married filing jointly · 2026 MS brackets
| 0.00% | Up to $10,000 |
| 4.00% | Over $10,000 |
Mississippi's rate is on a scheduled phase-down: 4% in 2026, falling toward 3% by 2030.
What makes Mississippi paychecks different
Mississippi charges nothing on the first $10,000 of taxable income and a single rate above that, 4% for 2026. The rate is on a fixed schedule set by the 2025 Build Up Mississippi Act: 3.75% in 2027, 3.5% in 2028, 3.25% in 2029 and 3% in 2030, after which further cuts depend on revenue triggers that could eventually eliminate the tax. The standard deduction is small ($2,300 single), but the $6,000 personal exemption ($12,000 joint) means a single filer's first $18,300 of income is effectively untaxed.
Retirees are the big winners under Mississippi law: qualified retirement income, including pensions, 401(k) and IRA withdrawals and Social Security, is fully exempt regardless of amount. There are no city or county income taxes, and Mississippi has no reciprocity agreements, so Memphis-area residents who work in DeSoto County file a nonresident Mississippi return.
The same 2025 law that cut the income tax lowered the state sales tax on groceries from 7% to 5% on July 1, 2025 and began raising the gasoline tax in steps toward 27 cents a gallon to pay for roads. The general sales tax remains 7%, one of the higher state rates, with few local additions. Nothing is withheld for state paid leave or disability.
Updated for 2026: Mississippi's rate on income above $10,000 fell from 4.4% to 4% on January 1, 2026, the first step on a schedule that reaches 3% in 2030.
Mississippi take-home pay examples (2026)
Single filer, standard deduction, no dependents. Click a salary for the full 50-state comparison.
| Gross salary | Net / year | Net / month | Net / biweekly | Effective rate |
|---|---|---|---|---|
| $35,000 | $29,635 | $2,470 | $1,140 | 15.3% |
| $45,000 | $37,270 | $3,106 | $1,433 | 17.2% |
| $55,000 | $44,905 | $3,742 | $1,727 | 18.4% |
| $65,000 | $52,540 | $4,378 | $2,021 | 19.2% |
| $75,000 | $59,325 | $4,944 | $2,282 | 20.9% |
| $85,000 | $65,960 | $5,497 | $2,537 | 22.4% |
| $100,000 | $75,912 | $6,326 | $2,920 | 24.1% |
| $120,000 | $89,182 | $7,432 | $3,430 | 25.7% |
| $150,000 | $108,523 | $9,044 | $4,174 | 27.7% |
How Mississippi compares
Mississippi's top rate of 4.0% is #32 of 51 US jurisdictions. For comparison, a $60,000 single filer keeps $48,722 in Mississippi versus $50,390 in no-tax Texas and $47,961 in California. See all rates on the 2026 state income tax table.
Mississippi paycheck FAQ
How much is $60,000 after taxes in Mississippi?+
A single filer earning $60,000 in Mississippi takes home about $48,722 per year ($4,060/month) in 2026: $5,020 goes to federal income tax, $4,590 to FICA, and $1,668 to Mississippi state taxes.
What is the Mississippi income tax rate in 2026?+
Mississippi has a flat 4.00% income tax rate in 2026.
Does Mississippi tax 401(k) contributions?+
No. Traditional 401(k) contributions reduce both your federal and Mississippi taxable income, so deferring salary lowers this year's tax bill.
What taxes come out of a paycheck in Mississippi?+
Every Mississippi paycheck loses federal income tax (10%–37% brackets) and FICA (6.2% Social Security up to $184,500 + 1.45% Medicare). Mississippi taxes wages at a flat 4.00% after a $2,300 standard deduction (single).
Is Mississippi a high-tax or low-tax state for take-home pay?+
Mississippi's top marginal rate of 4.0% ranks #32 highest of the 51 US jurisdictions in 2026. At $60,000, a single filer keeps 81% of gross pay.