MISSISSIPPI PAYCHECK CALCULATOR
Our Mississippi Paycheck Calculator 2026 gives Magnolia State workers a precise, verified breakdown of every paycheck after all mandatory deductions. Mississippi’s income tax structure is one of the simplest in the Southeast: 0% on the first $10,000 of Mississippi taxable income and a flat 4% on everything above — down from 4.4% in 2025. Under HB 1, signed by Governor Tate Reeves on March 27, 2025, the rate is legislated to fall further to 3% by 2030.
Mississippi taxable income is calculated by subtracting the standard deduction ($2,300 Single / $4,600 MFJ / $3,400 Head of Family) and the personal exemption ($6,000 Single / $12,000 MFJ / $9,500 Head of Family) from gross wages before the two-tier rate applies. No city, county, or municipality in Mississippi levies a local income tax. There is also no state disability insurance or paid family leave withholding. Social Security, 401(k), IRA, pension, and military retirement income are all fully exempt from Mississippi state income tax.
See how Mississippi compares to its neighbors at our USA Paycheck Calculator hub, or compare directly with Tennessee, Alabama, Louisiana, or Arkansas.
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EVERY DEDUCTION ON A MISSISSIPPI PAYCHECK IN 2026
Mississippi keeps paycheck deductions to four items only — no disability insurance, no paid family leave, no city or county taxes. Every Mississippi worker from Jackson to Gulfport to Southaven sees the same four lines:
- Federal Income Tax — Progressive 10%–37% brackets applied after the 2026 federal standard deduction ($16,100 Single / $32,200 MFJ / $24,150 HOH).
- Social Security — 6.2% of gross wages up to the $176,100 annual wage base. Wages above this are Social Security-exempt for the rest of the year.
- Medicare — 1.45% on all wages with no cap. An additional 0.9% applies to wages above $200,000.
- Mississippi State Income Tax — 0% on the first $10,000 of MS taxable income, then 4% on the remainder above $10,000 — applied after the MS standard deduction and personal exemption are subtracted from gross wages.
MISSISSIPPI INCOME TAX STRUCTURE 2026
Mississippi's two-tier system applies to Mississippi taxable income — not gross wages. After the standard deduction and personal exemption reduce the base, only two rates apply:
| Mississippi Taxable Income | Tax Rate (2026) | Tax Owed on This Tier |
|---|---|---|
| $0 – $10,000 | 0% | $0 |
| Above $10,000 | 4% | 4¢ per dollar over $10,000 |
Example — Single, $70,000 gross wages:
MS Taxable = $70,000 − $2,300 (std ded) − $6,000 (exemption) = $61,700
First $10,000 × 0% = $0.00
$51,700 × 4% = $2,068.00
Total MS State Tax = $2,068.00
MISSISSIPPI STANDARD DEDUCTION AND PERSONAL EXEMPTION 2026
| Filing Status | Standard Deduction | Personal Exemption | Total Reduction from Gross |
|---|---|---|---|
| Single | $2,300 | $6,000 | $8,300 |
| Head of Family | $3,400 | $9,500 | $12,900 |
| Married Filing Jointly | $4,600 | $12,000 | $16,600 |
| Each Dependent (add-on) | — | +$1,500 | +$1,500 per dependent |
Mississippi uses the term Head of Family (not Head of Household) for its third filing status — it applies to a single taxpayer who maintains a home for a qualifying child or dependent. Both the standard deduction and personal exemption are subtracted from gross wages before the 0% / 4% rate schedule applies.
HB 1 — MISSISSIPPI'S ROAD TO 3% BY 2030
| Tax Year | MS Rate (Above $10k) | Change | Status |
|---|---|---|---|
| 2025 | 4.40% | — | Completed |
| 2026 | 4.00% | −0.40 pp | Current — confirmed |
| 2027 | 3.75% | −0.25 pp | Conditional — Rainy Day Fund + budget |
| 2028 | 3.50% | −0.25 pp | Conditional |
| 2029 | 3.25% | −0.25 pp | Conditional |
| 2030 | 3.00% | −0.25 pp | Target — conditional |
MISSISSIPPI VS SOUTHEAST NEIGHBORS — $70,000 TAKE-HOME
| State | Tax Structure (2026) | State Tax on $70k (Single) | Est. Annual Net |
|---|---|---|---|
| Mississippi | 0% / 4% two-tier | $2,068 | ~$55,805 |
| Tennessee | No state income tax | $0 | ~$57,873 |
| Florida | No state income tax | $0 | ~$57,873 |
| Texas | No state income tax | $0 | ~$57,873 |
| Louisiana | Progressive up to 3% | ~$1,660 | ~$56,213 |
| Arkansas | Progressive up to 3.9% | ~$2,150 | ~$55,723 |
| Alabama | Progressive up to 5% | ~$2,745 | ~$55,128 |
| Georgia | Flat 5.39% | ~$3,315 | ~$54,558 |
| South Carolina | Progressive up to 6.2% | ~$2,990 | ~$54,883 |
2026 FEDERAL TAX BRACKETS — SINGLE FILERS
| Federal Taxable Income (Single) | Federal Rate |
|---|---|
| $0 – $11,925 | 10% |
| $11,926 – $48,475 | 12% |
| $48,476 – $103,350 | 22% |
| $103,351 – $197,300 | 24% |
| $197,301 – $250,525 | 32% |
| $250,526 – $626,350 | 35% |
| Above $626,350 | 37% |
MISSISSIPPI PAYCHECK CALCULATOR — FAQs
What is Mississippi's income tax rate in 2026?
Mississippi uses 0% on the first $10,000 of MS taxable income and 4% on everything above. This applies after subtracting the standard deduction and personal exemption from gross wages. The 4% rate is down from 4.4% in 2025, confirmed by the Mississippi DOR 2026 withholding formula.
What are Mississippi's standard deduction and personal exemption for 2026?
Standard deduction: $2,300 (Single), $3,400 (Head of Family), $4,600 (MFJ). Personal exemption: $6,000 (Single), $9,500 (Head of Family), $12,000 (MFJ). Each dependent adds $1,500 to the exemption. Both amounts reduce gross wages before the 0%/4% rate applies.
Does Mississippi have any local income taxes?
No. Mississippi does not permit any city, county, or municipality to levy a local income tax. All Mississippi workers pay only the statewide two-tier rate — no geographic surcharge exists anywhere in the state.
Does Mississippi tax Social Security or retirement income?
No. Social Security benefits, 401(k) and IRA withdrawals, pension payments, and military retirement pay are fully exempt from Mississippi state income tax regardless of the amount received.
How much will I take home on a $70,000 salary in Mississippi?
Filing Single on $70,000: MS taxable income is $61,700. State tax is $2,068 (0% on first $10k, 4% on $51,700). Combined with ~$6,772 federal tax and ~$5,355 FICA, estimated annual take-home is ~$55,805 (~$4,651/month).
Run your Mississippi estimate again anytime: Mississippi Paycheck Calculator 2026