Mississippi Paycheck Calculator 2026
Enter your pay and your Form 89-350 exemption to see what lands in your bank account. Mississippi taxes nothing on the first $10,000 of taxable income and 4% on the rest in 2026 - we show each step.
How much does Mississippi take out for taxes? On a $60,000 salary paid every two weeks (single, standard W-4), Mississippi takes $64.00 of each $2,307.69 paycheck - 2.8% of pay. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $433.62 comes out in all - 18.8% - and you keep $1,874.07.
= $937.04 a week · $4,060.50 a month · $48,726.00 a year
Gross pay$2,307.69$60,000.00
Your pay before anything is taken out: yearly pay divided by the 26 paychecks in a year (hourly pay is a week's pay × 52, spread the same way).
Federal income tax · withheld−$193.08−$5,020.00
Worked out from your pay and your Form W-4 with the IRS percentage method (Worksheet 1A): yearly pay, minus the allowance for your filing status, into the 2026 annual table, minus W-4 credits, divided by paychecks. Each line, for this paycheck:
| Pay subject to income tax, for the year · $2,307.69 × 26 paychecks | $60,000.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $51,400.00 |
| Tax from the IRS yearly table · standard table | $5,020.00 |
| Federal income tax per paycheck · divided by 26 | $193.08 |
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.
Adjusted yearly wage: $51,400.00, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $7,500 | $0.00 | 0% |
| $7,500 | $19,900 | $0.00 | 10% |
| $19,900 | $57,900 | $1,240.00 | 12% Your row |
| $57,900 | $113,200 | $5,800.00 | 22% |
| $113,200 | $209,275 | $17,966.00 | 24% |
| $209,275 | $263,725 | $41,024.00 | 32% |
| $263,725 | $648,100 | $58,448.00 | 35% |
| $648,100 | - | $192,979.25 | 37% |
$1,240.00 + 12% × ($51,400.00 − $19,900.00) = $5,020.00
Source: IRS Publication 15-T (2026) · checked Sep 21, 2026
Social Security (6.2%)−$143.08−$3,720.00
6.2% of your pay (after pre-tax benefits, not after 401(k)) up to $184,500 of pay in 2026. Once your pay for the year passes that, it stops until January. Stubs often call it OASDI or FICA.
Source: Social Security Administration - 2026 wage base · checked Sep 21, 2026
Medicare (1.45%)−$33.46−$870.00
1.45% of all your pay, with no yearly limit, plus 0.9% Additional Medicare on pay above $200,000 in the year.
Source: IRS Publication 15 (2026) · checked Sep 21, 2026
Mississippi income tax · withheld−$64.00−$1,664.00
0% on the first $10,000 of taxable income, 4% above it (2026). Worked out with Mississippi's official 2026 withholding tables, step by step:
| Pay subject to Mississippi tax, for the year · this paycheck × 26 | $60,000.00 |
| Minus exemption (Form 89-350) · basic amount for single | −$6,000.00 |
| Minus standard deduction · single | −$2,300.00 |
| Yearly taxable pay for withholding | $51,700.00 |
| Minus first $10,000 taxed at 0% | −$10,000.00 |
| Yearly Mississippi tax · 4% of $41,700 | $1,668.00 |
| Mississippi tax from the formula this paycheck · ÷ 26, rounded to whole dollars | $64.00 |
Yearly taxable pay for withholding: $51,700.00, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $10,000 | $0.00 | 0% |
| $10,000 | - | $0.00 | 4% Your row |
$0.00 + 4% × ($51,700.00 − $10,000.00) = $1,668.00
Source: Mississippi DOR - Pub 89-700, Withholding Income Tax Tables and Employer Instructions, section 9 · checked Oct 16, 2026
Built by Ashish Hirpara · figures from IRS and state publications · sources · corrections
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.
What's different about Mississippi
Your exemption is in dollars, not allowances
Mississippi's withholding form is Form 89-350, not the federal W-4 - the state says a federal form does not give your employer what it needs. On Form 89-350 you claim a dollar amount: $6,000 if you are single, $9,500 as head of family, or $12,000 if you are married. You add $1,500 for each dependent, and $1,500 each if you or your spouse is 65 or older or blind. The total goes on Line 6. If you are married and both of you work, you split the $12,000 between you in steps of $500, any way you like. Left empty above, we use half each. If you never gave your employer a Form 89-350, it withholds with zero exemption - enter 0 above to match.
The first $10,000 is not taxed
After your exemption and standard deduction, the first $10,000 of yearly taxable pay is taxed at 0%. So on lower pay, nothing may be withheld at all.
The rate is going down each year
A state law approved on March 27, 2025 cut the rate from 4.4% in 2025 to 4% in 2026. It is set to fall to 3.75% in 2027 and step down each year to 3% in 2030.
Bonuses
If a bonus or commission is paid together with your regular pay, Mississippi tax is worked out as if the two were one payment for that pay period.
Paydays
Manufacturers with 50 or more workers, and public service companies, must pay at least every two weeks or twice a month.
Unpaid wages
For unpaid minimum wage or overtime, you can file a complaint with the U.S. Department of Labor's Wage and Hour Division.
Mississippi salary after tax
Each answer is worked out by the same calculator as above, for a single filer paid every two weeks with a standard W-4 and no 401(k) or benefits. Jump to: $35,000 · $45,000 · $55,000 · $60,000 · $65,000 · $75,000 · $80,000 · $90,000 · $100,000 · $120,000 · $150,000
How much is $35,000 a year after tax in Mississippi?
About $29,627 a year - $1,139.48 every two weeks, or about $2,469 a month. That's after $2,020 of federal income tax, $2,678 of Social Security and Medicare and $676 in Mississippi taxes; you keep 85%. Try $35,000 with your own W-4 and deductions.
How much is $45,000 a year after tax in Mississippi?
About $37,272 a year - $1,433.51 every two weeks, or about $3,106 a month. That's after $3,220 of federal income tax, $3,443 of Social Security and Medicare and $1,066 in Mississippi taxes; you keep 83%. Try $45,000 with your own W-4 and deductions.
How much is $55,000 a year after tax in Mississippi?
About $44,917 a year - $1,727.56 every two weeks, or about $3,743 a month. That's after $4,420 of federal income tax, $4,208 of Social Security and Medicare and $1,456 in Mississippi taxes; you keep 82%. Try $55,000 with your own W-4 and deductions.
How much is $60,000 a year after tax in Mississippi?
About $48,726 a year - $1,874.07 every two weeks, or about $4,061 a month. That's after $5,020 of federal income tax, $4,590 of Social Security and Medicare and $1,664 in Mississippi taxes; you keep 81%. Try $60,000 with your own W-4 and deductions.
How much is $65,000 a year after tax in Mississippi?
About $52,536 a year - $2,020.60 every two weeks, or about $4,378 a month. That's after $5,620 of federal income tax, $4,973 of Social Security and Medicare and $1,872 in Mississippi taxes; you keep 81%. Try $65,000 with your own W-4 and deductions.
How much is $75,000 a year after tax in Mississippi?
About $59,331 a year - $2,281.94 every two weeks, or about $4,944 a month. That's after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $2,262 in Mississippi taxes; you keep 79%. Try $75,000 with your own W-4 and deductions.
How much is $80,000 a year after tax in Mississippi?
About $62,640 a year - $2,409.22 every two weeks, or about $5,220 a month. That's after $8,770 of federal income tax, $6,120 of Social Security and Medicare and $2,470 in Mississippi taxes; you keep 78%. Try $80,000 with your own W-4 and deductions.
How much is $90,000 a year after tax in Mississippi?
About $69,285 a year - $2,664.81 every two weeks, or about $5,774 a month. That's after $10,970 of federal income tax, $6,885 of Social Security and Medicare and $2,860 in Mississippi taxes; you keep 77%. Try $90,000 with your own W-4 and deductions.
How much is $100,000 a year after tax in Mississippi?
About $75,904 a year - $2,919.38 every two weeks, or about $6,325 a month. That's after $13,170 of federal income tax, $7,650 of Social Security and Medicare and $3,276 in Mississippi taxes; you keep 76%. Try $100,000 with your own W-4 and deductions.
How much is $120,000 a year after tax in Mississippi?
About $89,194 a year - $3,430.54 every two weeks, or about $7,433 a month. That's after $17,570 of federal income tax, $9,180 of Social Security and Medicare and $4,056 in Mississippi taxes; you keep 74%. Try $120,000 with your own W-4 and deductions.
How much is $150,000 a year after tax in Mississippi?
About $108,513 a year - $4,173.58 every two weeks, or about $9,043 a month. That's after $24,734 of federal income tax, $11,475 of Social Security and Medicare and $5,278 in Mississippi taxes; you keep 72%. Try $150,000 with your own W-4 and deductions.
Mississippi vs neighboring states
Take-home pay on a $60,000 salary, single filer paid every two weeks with a standard W-4. "State taxes" counts state and local income tax withheld (with each calculator's default choices) plus any employee-paid state payroll premium; federal tax, Social Security and Medicare are the same everywhere.
| State | State taxes | Take-home | vs here |
|---|---|---|---|
| Tennessee | $0 | $50,390 | +$1,664 |
| Louisiana | $1,456 | $48,934 | +$208 |
| Mississippi | $1,664 | $48,726 | - |
| Arkansas | $1,733 | $48,657 | −$69 |
| Alabama | $2,509 | $47,881 | −$845 |
Local income taxes (city, county or school district) aren't included for Alabama - enter your rate on the state's calculator.
Where you live and where you work can both matter when the two states differ - check each state's page.
What changed for 2026
Mississippi's rate dropped for 2026, and the 2026 withholding tables and formula use the new rate.
- New federal withholding tables. The IRS updated Publication 15-T for 2026, including changes from the 2025 tax law. The standard deduction is $16,100 single, $32,200 married filing jointly, and $24,150 head of household.
- Social Security wage base: $184,500 (up from $176,100). If you earn more, Social Security stops later in the year.
- Tips and overtime deductions for 2025–2028 - see below.
- Rate: 4% on taxable income above $10,000 (was 4.4% in 2025).
- Next year: 3.75%, falling to 3% by 2030 under the law approved March 27, 2025.
- Exemptions: $6,000 single, $9,500 head of family, $12,000 married, $1,500 per dependent.
- Standard deduction: $2,300 single, $3,400 head of family, $4,600 married.
- Minimum wage: still $7.25, the federal rate, because Mississippi has no minimum wage law of its own.
Why your paycheck might differ from this
- Your W-4. Credits for children (Step 3), a checked Step 2 box, or extra withholding (Step 4c) change the federal amount a lot. Open "Tips, 401(k), health insurance and W-4 details" above to enter them.
- Benefits taken before tax. Health insurance through work usually lowers income tax and Social Security and Medicare. A traditional 401(k) lowers income tax only.
- Rounding. Payroll software may round each step, so a few cents of difference is normal.
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.
More for Mississippi
Paycheck calculator · Hourly · Salary · Bonus tax · Rent you can afford · Employer payroll taxes
Other tools: What changed for 2026 · Hourly to salary · Salary to hourly · Overtime · Raise · Net to gross · Compare two states · All state tax rates · How Mississippi ranks on $75,000 · Pay stub checker · W-4 guide
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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 DOR - Pub 89-700, Withholding Income Tax Tables and Employer Instructions, section 9 - supplemental wages: aggregate method; if that substantially over-withholds, the percent for the highest expected bracket may be used (read Sep 27, 2026)
- 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
How much does Mississippi take out for taxes?
On a $60,000 salary paid every two weeks (single, standard W-4), Mississippi takes $64.00 of each $2,307.69 paycheck - 2.8% of pay. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $433.62 comes out in all - 18.8% - and you keep $1,874.07.
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 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.