Mississippi Hourly Paycheck Calculator
Your hourly rate and hours in, your take-home pay out. Overtime is paid at 1.5× your rate; tips you report are taxed like wages.
| Per paycheck | Amount | Per year |
|---|---|---|
| Gross pay | $1,600.00 | $41,600.00 |
| Federal income tax · withheld | −$108.15 | −$2,812.00 |
| Social Security (6.2%) | −$99.20 | −$2,579.20 |
| Medicare (1.45%) | −$23.20 | −$603.20 |
| Mississippi income tax · withheld | −$36.00 | −$936.00 |
| Take-home pay | $1,333.45 | $34,669.60 |
How the federal income tax was worked out
| Pay subject to income tax, for the year · $1,600.00 × 26 paychecks | $41,600.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $33,000.00 |
| Tax from the IRS yearly table · standard table | $2,812.00 |
| Federal income tax per paycheck · divided by 26 | $108.15 |
IRS Publication 15-T (2026), Worksheet 1A — the percentage method payroll software uses for a Form W-4 from 2020 or later. Your employer's figure can differ by a few cents because of rounding.
How the Mississippi income tax was worked out
| Pay subject to Mississippi tax, for the year · this paycheck × 26 | $41,600.00 |
| Minus exemption (Form 89-350) · basic amount for single | −$6,000.00 |
| Minus standard deduction · single | −$2,300.00 |
| Yearly taxable pay for withholding | $33,300.00 |
| Minus first $10,000 taxed at 0% | −$10,000.00 |
| Yearly Mississippi tax · 4% of $23,300 | $932.00 |
| Mississippi tax from the formula this paycheck · ÷ 26, rounded to whole dollars | $36.00 |
Hourly pay in Mississippi
Mississippi has no minimum wage law of its own, so the federal minimum applies to employers covered by federal law: $7.25 an hour. Tipped employees — those who get more than $30 a month in tips — can be paid a cash wage of $2.13 as long as tips bring them up to $7.25; if they don't, the employer makes up the difference.
Overtime. Under the federal Fair Labor Standards Act, covered employees get time-and-a-half for hours over 40 in a workweek. Mississippi withholding on overtime is worked out the same way as on regular pay.
Because hours change from week to week, your withholding changes too: a week with lots of overtime is withheld as if you earned that much every week, so more comes out. It usually evens out when you file your return.
What comes out of a Mississippi paycheck
- Federal income tax withholding — worked out from your pay and your Form W-4, using the IRS tables for 2026.
- Social Security — 6.2% of your pay, up to $184,500 of pay in 2026. Above that, it stops for the rest of the year.
- Medicare — 1.45% of all your pay, plus 0.9% on pay above $200,000 in the year.
Mississippi has an income tax with two parts: the first $10,000 of taxable income is taxed at 0%, and everything above it at 4% for 2026. Payroll software follows the Mississippi Department of Revenue's formula for 2026:
- Your pay subject to income tax — here, after a traditional 401(k) and pre-tax health insurance, as for federal tax — is turned into a yearly amount.
- Your exemption from Form 89-350 comes off. It is a dollar amount, such as $6,000 for a single person.
- A standard deduction comes off: $2,300 if you are single, $3,400 for head of family, $4,600 if you are married and your spouse is not employed, or $2,300 each if you are both employed.
- The first $10,000 of what's left is not taxed. The rest is taxed at 4%.
- That yearly tax is divided by your number of paychecks and rounded to whole dollars. Any extra amount you asked for on Line 7 of your Form 89-350 is added.
Mississippi has no employee-paid state payroll programs. Unemployment insurance tax is paid by employers on the first $14,000 of each worker's wages each year.
Tips and overtime in 2026
New federal deductions apply for 2025 through 2028: up to $25,000 for qualified tips, and up to $12,500 ($25,000 for joint filers) for the extra "half" of time-and-a-half overtime. Both phase out above $150,000 of income ($300,000 joint).
These are deductions on your tax return. Your employer still takes Social Security and Medicare out of tips and overtime, and still withholds income tax unless you tell it otherwise. If you expect to claim them, you can put the expected amount in Step 4(b) of your W-4 (and in the Step 4(b) box above) so less income tax is withheld during the year.
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Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide — Social Security and Medicare rates
- Social Security Administration — 2026 wage base of $184,500
- IRS — tips and overtime deductions
- Mississippi Department of Revenue — Computer Payroll Accounting, For Periods In 2026 (flowchart, updated 8-13-25) — STDED M $4,600, B $2,300, H $3,400, S $2,300; TI = AGP − (EX + STDED); TAX = (TI − 10,000) × .04; PWT = TAX ÷ PERIOD; round to whole dollars; add Line 7 additional amount
- Mississippi Department of Revenue — Pub 89-700-25-1 (Rev. 07/25), Withholding Tax Tables and Instructions (revised 1/13/2026) — tax year 2026: first $10,000 0%, excess 4.0%; exemptions $6,000 single / $12,000 married / $9,500 head of family / $1,500 per dependent, age 65+, blind; standard deduction $2,300 / $3,400 / $4,600, $2,300 each if both spouses work; no Form 89-350 → zero exemption; round to the nearest whole dollar
- Mississippi Department of Revenue — Withholding tax (2026 tables and publications) — 2026 daily, weekly, bi-weekly, semi-monthly and monthly tables; Pub 89-700; computer payroll flowchart
- Mississippi Department of Revenue — 2026 bi-weekly withholding tables (effective January 1, 2026) — Table A single $980–$1,000: $21 at $0, $11 at $6,000; $1,480–$1,500: $41 / $31 / $29 at $0 / $6,000 / $7,500; Table B $1,480–$1,500: $39 / $24 at $0 / $9,500; Table C $1,480–$1,500: $37 / $19 at $0 / $12,000
- Mississippi Department of Revenue — Form 89-350-25-8-1-000 (Rev. 10/25), Employee's Withholding Exemption Certificate — Line 1 single $6,000; 2(a) spouse not employed $12,000; 2(b) spouse employed, part of $12,000 in multiples of $500; Line 3 head of family $9,500; Line 4 $1,500 per dependent; Line 5 $1,500 age 65+ / blind; Line 6 total; Line 7 additional withholding; Line 8 military spouse exempt
- Mississippi Legislature — HB 1, 2025 Regular Session (as sent to Governor), Build Up Mississippi Act — § 27-7-5 rate on taxable income over $10,000: 4.4% 2025, 4% 2026, 3.75% 2027, 3.5% 2028, 3.25% 2029, 3% 2030; approved March 27, 2025 (enrolled text also at https://legiscan.com/MS/text/HB1/2025)
- Mississippi Department of Employment Security — Employer FAQs — employers pay tax on the first $14,000 of wages paid to each employee each calendar year
- Mississippi Department of Employment Security — Unemployment tax — Unemployment Insurance Tax is paid by the employer
- U.S. Department of Labor — State minimum wage laws (updated July 1, 2026) — Mississippi: no state minimum wage law; employers covered by the FLSA pay the federal $7.25
- U.S. Department of Labor — Minimum wages for tipped employees (updated July 1, 2026) — Mississippi: $2.13 cash wage, $5.12 tip credit, more than $30 a month in tips
- U.S. Department of Labor — Overtime pay — time and one-half after 40 hours in a workweek
- U.S. Department of Labor — State payday requirements — Mississippi: every two weeks or twice a month for manufacturers employing 50 or more and public service corporations
- U.S. Department of Labor — How to file a complaint (Wage and Hour Division) — federal minimum wage and overtime complaints
Questions
What is the Mississippi income tax rate in 2026?
4% on taxable income above $10,000; the first $10,000 is taxed at 0%. It was 4.4% in 2025.
How much is taken out of a $1,000 paycheck in Mississippi?
For a single filer paid every two weeks with nothing else on the W-4, a $1,000 paycheck has about $38.08 of federal income tax, $62.00 of Social Security and $14.50 of Medicare taken out, $12.00 of Mississippi income tax, leaving $873.42. Enter your own details in the calculator for your exact figure.
What is $20 an hour after taxes in Mississippi?
Working 40 hours a week and paid every two weeks, $20 an hour is $1,600.00 before tax and about $1,333.45 after tax per paycheck — $34,669.60 a year — for a single filer with a standard W-4.
What do I put on Line 6 of Form 89-350?
A dollar total, not a number of allowances: $6,000 single, $9,500 head of family or $12,000 married, plus $1,500 for each dependent and for being 65 or older or blind.
What happens if I didn't fill out a Form 89-350?
Your employer withholds with zero exemption, so more is taken out than if you had claimed your exemption.
Why is my Mississippi tax a whole-dollar amount?
The state's formula rounds the tax for each paycheck to whole dollars.
Does Mississippi take anything else out of my paycheck?
No other state payroll tax. Unemployment insurance tax is paid by employers.
What is the minimum wage in Mississippi?
$7.25 an hour, the federal minimum wage, because Mississippi has no minimum wage law of its own. Tipped employees can be paid $2.13 an hour in cash as long as tips bring them up to $7.25.