Missouri Paycheck Calculator 2026 – Salary & Take-Home Pay

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How your Missouri paycheck is calculated

Your employer starts with your gross pay, removes pre-tax benefits, withholds federal and Missouri income tax, any city earnings 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, Missouri income tax, city earnings 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 Missouri paycheck in 2026

Missouri income tax brackets for 2026

Missouri's brackets are narrow and indexed for inflation. In 2026 they are (Missouri 2026 withholding tables):

The top rate has been cut from 6% in 2017 to 4.7% (Missouri Department of Revenue). Before the rates apply, Missouri subtracts:

• The federal standard deduction: $16,100 for single filers, $32,200 for joint filers and $24,150 for heads of household in 2026, or your itemized deductions.
• Part of your federal income tax: 35% of it with income up to $25,000, 25% up to $50,000, 15% up to $100,000 and 5% up to $125,000, capped at $5,000 ($10,000 joint). Above $125,000 there is no deduction.

A single filer earning $100,000 deducts $16,100 and 15% of $13,170 of federal tax ($1,976), leaving $81,925 of Missouri taxable income. The tax is $3,670, about 3.7% of gross pay. Missouri starts from federal adjusted gross income, so traditional 401(k) contributions, health premiums, HSA and FSA contributions lower your Missouri tax too.

Missouri does not allow the federal tips and overtime deductions; a 2025 bill to create them did not pass. In 2026 lawmakers sent voters a plan to phase out the state income tax by 2032, paid for by a broader sales tax. It does not change 2026 paychecks.

Kansas City and St. Louis earnings tax

Kansas City and the City of St. Louis each charge a 1% earnings tax on wages. You pay it if you live in the city, wherever you work, or if you work in the city while living elsewhere. On a $75,000 salary that is $750 a year. It is not reduced by 401(k) contributions. No other Missouri city taxes wages, and St. Louis County is not part of the City of St. Louis.

Federal taxes on every Missouri 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 Missouri for 2026

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

In Kansas City or St. Louis, the 1% earnings tax lowers these figures: about $58,309 on $75,000 and $74,510 on $100,000. A married couple filing jointly on $150,000 of combined pay takes home about $117,829 a year with no city tax, and a couple with two children earning $100,000 about $86,127. An hourly worker on $25 an hour, 40 hours a week, earns $52,000 and takes home about $42,484 a year, or $3,540 a month.

Missouri take-home pay compared with nearby states

On a $100,000 salary, a single filer keeps about $75,510 in Missouri with no city tax, $76,032 in Iowa, $74,375 in Illinois, $75,798 in Kentucky with no local tax and $79,180 in Tennessee, which has no income tax on wages. Compare with our Illinois, Iowa, Kentucky and Tennessee paycheck calculators.

Live in Missouri but work in Kansas or Illinois? Missouri has no reciprocal agreements. The state where you work taxes the wages earned there, and Missouri gives you a credit for that tax, so you pay roughly the higher of the two rates.

Paychecks in Kansas City, St. Louis and Springfield

Missouri state tax is the same everywhere. Kansas City and the City of St. Louis add their 1% earnings tax; Springfield, Columbia, Independence, St. Louis County and the rest of the state do not tax wages.

How bonuses, overtime and tips are taxed in Missouri

• Bonuses: Employers usually withhold a flat 22% federal tax and 4.7% Missouri tax on bonuses, plus Social Security, Medicare and any city tax. On a $100,000 salary with no city tax you keep about $6,508 of a $10,000 bonus. See the bonus tax calculator.
• Overtime: Missouri pays 1.5 times the regular rate for hours over 40 in a workweek. The federal overtime deduction lowers your federal tax for 2025 to 2028, but Missouri taxes all overtime. See the overtime calculator.
• Tips: Tipped workers must get at least half the minimum wage in cash, $7.50 an hour in 2026, with tips making up the rest. Tips are deductible from federal tax but fully taxed by Missouri.

How pre-tax deductions lower your Missouri taxes

Salary or hourly pay in Missouri

For hourly pay, multiply your rate by your weekly hours and by 52. A full-time year is 2,080 hours. Under Proposition A, approved by voters in 2024, the Missouri minimum wage rose to $15.00 an hour on January 1, 2026, or $31,200 a year full time. A single full-time worker on $15 an hour takes home about $26,739 a year with no city tax.

If you are fired, Missouri employers must pay your final wages on the day you leave (you can ask in writing within seven days). If you quit, they are usually paid 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 Missouri withholding tables and your W-4 and MO W-4, so each check can be a little higher or lower. From 2026, Missouri withholding no longer subtracts federal tax withheld, but you still get the federal tax deduction when you file.
• The city earnings tax depends on where you live and work. Remote work outside the city can reduce it.
• Missouri credits such as the property tax credit are claimed when you file.
• 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 Missouri

• Check your federal withholding with the IRS Tax Withholding Estimator and update your W-4 and Missouri MO W-4 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 up to 4.7% Missouri tax.
• Missouri lets you deduct contributions to a MOST 529 plan, up to $8,000 ($16,000 joint) a year, when you file.

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 Missouri brackets, the federal standard deduction, the Missouri federal income tax deduction, the 1% Kansas City or St. Louis earnings tax if chosen 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.