Mississippi Paycheck Calculator

Mississippi taxes nothing on the first $10,000 of taxable income each year, then a flat 4% on the rest — the final step in the state's multi-year phase-down from graduated brackets to a simple two-tier system.

Pay type

Annual salary

Pay frequency

State

Federal filing status (W-4 Step 1)

Multiple jobs or spouse works (W-4 Step 2 checkbox)Check if you hold more than one job or file jointly and your spouse also works.

Additional exemptions (dependents, age 65+, blind)

W-4 Steps 3–4: dependents, other income, deductions

Dependents credit (Step 3, annual)

$2,000 per qualifying child under 17.

Other income (Step 4a, annual)

Deductions beyond standard (Step 4b, annual)

Extra withholding (Step 4c, per paycheck)

Benefits & deductions (per paycheck)

Your age

Only used to check 401(k)/HSA catch-up contribution limits — optional.

Traditional 401(k)

HSA contribution

HSA coverage type

Family coverage has a higher IRS contribution limit.

Health FSA

Health insurance premiums

Post-tax deductions

Roth 401(k), garnishments, and other after-tax amounts.

Estimated take-home pay

$2,282per biweekly paycheck

$59,324 per year ·

Take-home 79.1%Federal 10.2%FICA 7.7%State 3.0%

In a no-income-tax state like Texas, the same pay would take home about $2,268 more per year.

Mississippi taxes annualized wages, less a standard deduction and personal exemption that both vary by Form 89-350 filing status (Single, Head-of-Family, or Married) plus $1,500/yr for each additional exemption (dependents, age 65+, or blind), at 0% on the first $10,000 of the resulting taxable income and a flat 4% on the remainder (2026 continues Mississippi's phase-out of its former graduated brackets). This models the single-earner Married table (Table C); married couples where both spouses work split the $12,000 exemption and $4,600 deduction between them on their certificates rather than each claiming the full amount.

How Mississippi taxes your paycheck in 2026

Zero bracket: First $10,000/yr taxable income
Rate above that: Flat 4.0%
Personal exemption: $6,000 single / $9,500 head of family / $12,000 married

Mississippi paycheck FAQs

Is Mississippi income tax really almost flat?

Yes — 2026 completes Mississippi's phase-out of its old graduated brackets, leaving just a 0% band on the first $10,000 of taxable income and a flat 4% above it.

How much can I exempt from Mississippi withholding?

A single filer starts with a $6,000 personal exemption and $2,300 standard deduction; married and head-of-family filers get more, plus $1,500 for each dependent, and for age 65+ or blindness.

Do both spouses split the married exemption in Mississippi?

If both spouses work, they divide the $12,000 married exemption and $4,600 standard deduction between their two withholding certificates rather than each claiming the full amount.

Tax data verified 2026-07-21 against the official source. See our methodology.