Mississippi Paycheck & Salary Calculator 2026

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How your Mississippi paycheck is calculated

Your employer starts with your gross pay, removes pre-tax benefits, withholds federal and Mississippi income tax, Social Security and Medicare, takes after-tax deductions and pays you the rest.

1. Gross paySalary, or hours × rate, plus overtime, bonuses and tips
2. Pre-tax deductions401(k), health premiums, HSA, FSA, commuter benefits
3. TaxesFederal income tax, Mississippi income tax, Social Security and Medicare
4. After-tax deductionsRoth 401(k), union dues, garnishments
5. Net payThe take-home amount paid to you

What is taken out of a Mississippi paycheck in 2026

Mississippi income tax rate for 2026

The same rate and $10,000 tax-free amount apply to every filing status (Mississippi 2026 withholding formula, VisaVerge summary of the Build Up Mississippi Act). After 2030, the law allows more cuts toward eliminating the income tax if revenue targets are met.

Mississippi standard deduction and exemptions

A single filer earning $100,000 has $91,700 of Mississippi taxable income after the $2,300 deduction and $6,000 exemption. The tax is 4% of the $81,700 above $10,000, or $3,268, about 3.3% of gross pay. Traditional 401(k) contributions, health premiums, HSA and FSA contributions lower your Mississippi tax too.

Tips, overtime and the senior deduction in Mississippi

The federal tax law passed in July 2025 created deductions for tips (up to $25,000), overtime pay (up to $12,500, or $25,000 for joint filers) and seniors ($6,000). Mississippi has not adopted them. A 2026 bill to exclude overtime from state income tax (HB 204) died in committee (HB 204 status). Tips and overtime are fully taxed by Mississippi, and the calculator applies the deductions to federal tax only.

Federal taxes on every Mississippi paycheck

Federal income tax depends on your income, filing status and the choices on your W-4. For 2026 the brackets run from 10% to 37%, and the standard deduction is $16,100 for single filers, $32,200 for joint filers and $24,150 for heads of household (IRS).

• Social Security: 6.2% of wages up to $184,500 in 2026, a maximum of $11,439 (SSA).
• Medicare: 1.45% of all wages. Employers also withhold an extra 0.9% on wages above $200,000 in a year.

Take-home pay examples in Mississippi for 2026

These results come from the calculator above for a single filer paid monthly, with no pre-tax deductions:

A married couple filing jointly on $150,000 of combined pay takes home about $118,249 a year (21.2% in total taxes). With two children under 17, a couple earning $100,000 takes home about $86,294. An hourly worker on $25 an hour, 40 hours a week, earns $52,000 and takes home about $42,614 a year, or $3,551 a month. Under the 2025 rate of 4.4%, the single filer on $100,000 paid $3,595 in Mississippi tax; in 2026 it is $3,268.

Mississippi take-home pay compared with nearby states

On a $100,000 salary, a single filer keeps about $75,912 in Mississippi, $75,079 in Alabama, $76,566 in Louisiana, $75,690 in Arkansas and $79,180 in Tennessee, which does not tax wages. Compare with our Alabama, Louisiana and Tennessee paycheck calculators.

Live in Mississippi and work in Memphis? Tennessee does not tax wages, but Mississippi taxes all of a resident's income, so residents of Southaven, Olive Branch and other DeSoto County towns who work in Tennessee still owe Mississippi tax. Ask your employer to withhold it or make estimated payments.

Paychecks in Jackson, Gulfport and Southaven

Mississippi has no city or county income tax, so the calculator gives the same result in Jackson, Gulfport, Southaven, Hattiesburg, Biloxi, Tupelo, Meridian and everywhere else in the state.

How bonuses, overtime and tips are taxed in Mississippi

• Bonuses: Employers usually withhold a flat 22% federal tax on bonuses, plus Mississippi tax, Social Security and Medicare. Your real tax is settled when you file. On a $100,000 salary you keep about $6,635 of a $10,000 bonus. See the bonus tax calculator.
• Overtime: Mississippi has no state overtime law, so the federal rule applies: 1.5 times the regular rate for hours over 40 in a workweek. The federal overtime deduction does not lower your Mississippi tax. See the overtime calculator.
• Tips: Employers may pay tipped workers $2.13 an hour if tips bring them to at least $7.25. Tips are deductible from federal tax, but fully taxed by Mississippi. A single worker with $40,000 in wages and $15,000 in tips takes home about $46,705 a year.

How pre-tax deductions lower your Mississippi taxes

Salary or hourly pay in Mississippi

For hourly pay, multiply your rate by your weekly hours and by 52. A full-time year is 2,080 hours. Mississippi has no state minimum wage law, so the federal minimum of $7.25 an hour applies (U.S. Department of Labor). A single full-time worker on $7.25 earns $15,080, owes no Mississippi income tax and takes home about $13,926 a year.

Mississippi has no state law on final paychecks, so most employers pay final wages on the next regular payday.

Why your actual paycheck may differ from this estimate

• This calculator estimates your tax for the full year. Employers withhold using the Mississippi withholding formula and your Form 89-350, so each check can be a little higher or lower.
• Mississippi updated its withholding formula for the 4.0% rate during 2026, so paychecks early in the year may have had slightly more withheld.
• Social Security stops once your wages pass $184,500, so late-year paychecks of high earners are larger.

How to increase your take-home pay in Mississippi

• Check your federal withholding with the IRS Tax Withholding Estimator and update your W-4 and Mississippi Form 89-350 after a raise, a new job or a change in your family.
• Use pre-tax benefits such as a 401(k), HSA, FSA and commuter benefits. Each dollar saves federal tax and 4% Mississippi tax.
• Contribute to a Mississippi 529 plan (MACS or MPACT): contributions up to the yearly limit are deductible for Mississippi.

How this calculator works

The calculator estimates your full-year tax and divides it by your pay periods. It uses the 2026 federal brackets and standard deduction (Rev. Proc. 2025-32, including the 2025 tax law changes), the 2025 and 2026 Mississippi rates, standard deduction and exemptions, and the 2026 Social Security wage base. For joint filers, enter combined household wages. Results are estimates, not tax advice.

Last reviewed: October 29, 2026.