Mississippi · 2026
Mississippi paycheck calculator
Mississippi paycheck calculator for 2026. See your real take-home pay for 2026. Enter your salary, filing status and state, and this works out federal income tax, Social Security and Medicare (FICA), and state income tax, then shows what actually lands in your account. Your paycheck is built in layers: the federal government taxes your income above the standard deduction using graduated brackets, FICA takes a fixed percentage for Social Security and Medicare, and your state adds its own income tax, or none at all. Because each layer follows different rules, two people on the same salary in different states can take home noticeably different amounts. Use this to check a job offer across state lines, plan around a raise, or understand why your net pay sits well below your gross.
How Mississippi tax affects your pay
Mississippi is phasing its income tax toward a single low flat rate and has set a path that could eliminate the tax entirely if growth targets are met in the years ahead. For now a flat rate applies above a generous exempt amount, so lower earners often owe little or no state income tax. The plan makes Mississippi one of the states actively heading toward no income tax at all. The budget leans on sales tax, which the state applies even to groceries at the full rate, unusual among its neighbours. A Mississippi paycheck is shaped more by that grocery-inclusive sales tax than by the shrinking income tax.
Mississippi uses a graduated state income tax with 2 bands, running from 0% to 4%, and the top 4% rate applies only to taxable income above $10,000. Because the lower bands tax the first slice of income at smaller rates, your effective state rate is lower than the headline top rate.
For 2026 (Build Up Mississippi Act, HB 1 2025): first $10,000 of taxable income is exempt (0%), 4.0% above $10,000 (cut from 4.4%); the rate falls to 3% in 2027. Mississippi uses a $2,300 single standard deduction plus a $6,000 personal exemption (treated as exemption-based here). State sales tax 7% (grocery rate 5%).
This estimate combines federal income tax, FICA and Mississippi state income tax. It excludes city and county income taxes, pre-tax deductions such as 401(k) contributions and health premiums, and tax credits, all of which can change your real take-home pay.
For how the federal income tax and FICA layers are worked out, see the Paycheck calculator.
Frequently asked questions
What are the Mississippi income tax brackets?+
Mississippi uses a graduated income tax with 2 bands from 0% to 4%. Only the income inside each band is taxed at that band's rate, so your effective rate is lower than the top one.
What is the sales tax in Mississippi?+
Mississippi's statewide sales tax is 7%, with local rates often added on top. It is separate from the income tax taken from your wages.
Does this include local or city income taxes in Mississippi?+
No. This covers federal income tax, FICA and Mississippi state income tax only. Some cities and counties charge a separate local income tax that is not included here.
What is taken out of a Mississippi paycheck?+
Federal income tax, Social Security and Medicare (FICA at 7.65% up to the wage base), and Mississippi state income tax. Pre-tax items such as 401(k) contributions and health premiums lower taxable pay and are not assumed here.
What is distinctive about Mississippi tax?+
Mississippi is phasing its income tax toward a single low flat rate and has set a path that could eliminate the tax entirely if growth targets are met in the years ahead. For now a flat rate applies above a generous exempt amount, so lower earners often owe little or no state income tax. The plan makes Mississippi one of the states actively heading toward no income tax at all. The budget leans on sales tax, which the state applies even to groceries at the full rate, unusual among its neighbours. A Mississippi paycheck is shaped more by that grocery-inclusive sales tax than by the shrinking income tax.
Anything specific to Mississippi I should know?+
For 2026 (Build Up Mississippi Act, HB 1 2025): first $10,000 of taxable income is exempt (0%), 4.0% above $10,000 (cut from 4.4%); the rate falls to 3% in 2027. Mississippi uses a $2,300 single standard deduction plus a $6,000 personal exemption (treated as exemption-based here). State sales tax 7% (grocery rate 5%).
Sources
Last updated: 2026 tax year
This is an estimate for general guidance, not financial or tax advice. 2026 federal and FICA figures. Federal + FICA + state income tax only; excludes local taxes, pre-tax deductions and credits. State married-jointly figures are an approximation: the state single standard deduction and bracket thresholds are doubled, which matches conforming states but may differ where a state sets its own joint schedule. Confirm with the official sources before making decisions.
Built and maintained by Vikas Dulgunde, a software engineer building money and tax tools. Figures come from the official sources above; see our editorial standards.