Mississippi Take-Home Pay Calculator

Q: What is Mississippi's state income tax rate?

Mississippi has a flat state income tax rate of 4.4% for the 2025 tax year on taxable income over $10,000 — the first $10,000 is fully exempt. The rate drops to 4.0% for the 2026 tax year.

Q: Is Mississippi's rate going to keep falling?

Yes. Legislation enacted in March 2025 cuts the rate progressively down to 3% by 2030, with further reductions after that contingent on the state meeting specific revenue growth triggers.

Q: Does Mississippi have local city income tax?

No. No Mississippi city or county levies a separate income tax on wages — the flat state rate is the entire income tax picture.

Q: Does filing status change Mississippi's tax calculation?

The 4.4% rate itself doesn't change by filing status, and the $10,000 exemption applies the same way regardless of whether you file single or jointly.

Estimate your Mississippi paycheck using MS's flat 4.4% state income tax rate for 2025 — with the first $10,000 fully exempt — plus federal income tax and FICA.

Written by the Calculator Index team · Source: Mississippi Department of Revenue (flat 4.4% rate, $10,000 exemption); IRS 2025 federal figures · Last reviewed September 2026

Take-home pay per paycheck

—

Annual take-home

—

Monthly take-home

—

Federal income tax

—

Mississippi state tax (4.4%)

—

Social Security (6.2%)

—

Medicare (1.45%+)

—

What comes out of a Mississippi paycheck

Net pay = Gross − Federal income tax − ((Gross − Pre-tax − $10,000 exemption) × 4.4%) − Social Security − Medicare − Pre-tax deductions

Mississippi structures its flat tax a bit differently than most: rather than a standard deduction, the state simply exempts the first $10,000 of taxable income entirely, then applies a flat 4.4% rate to everything above that for 2025. The rate is already scheduled to drop to 4.0% for 2026 as part of a longer phase-down.

Worked example — $80,000, single, biweekly

MS-taxable income: $80,000 − $4,000 pre-tax − $10,000 exemption = $66,000. MS tax: $66,000 × 4.4% = $2,904.

Federal tax (on $61,000 taxable) ≈ $8,334 · MS state tax ≈ $2,904 · Social Security $4,960 · Medicare $1,160.

Annual take-home ≈ $58,642 → about $2,255 per biweekly paycheck (73.3% of gross).

Mississippi's path to 3% by 2030

Legislation enacted in March 2025 sets Mississippi on a multi-year path from 4.4% for 2025, down to 4.0% for 2026, and progressively lower each year until reaching a target of 3% by 2030. After hitting that target, further reductions are possible but depend on the state meeting specific revenue growth triggers rather than following a guaranteed fixed schedule.

Common mistakes when estimating Mississippi take-home pay

Applying 4.4% to the full income including the first $10,000. That portion is fully exempt and shouldn't be taxed at all.
Using an outdated rate. The rate is on a multi-year downward path — confirm you're using 4.4% for 2025, not a later year's lower rate.
Expecting a local city income tax. No Mississippi city or county levies one.

Frequently asked questions

What is Mississippi's state income tax rate?

A flat 4.4% for 2025 on income over $10,000 (fully exempt), dropping to 4.0% for 2026.

Is Mississippi's rate going to keep falling?

Yes — a multi-year phase-down targets 3% by 2030, with further cuts after that contingent on revenue triggers.

Does Mississippi have local city income tax?

No — no Mississippi city or county levies a separate income tax on wages.

Does filing status change Mississippi's tax calculation?

The 4.4% rate and $10,000 exemption apply the same way regardless of filing status.

Related calculators

Note: Simplified estimate using 2025 state and federal figures; excludes credits and benefit specifics. Not tax advice. Figures: 2025 Mississippi and federal tax year (rate scheduled to drop to 4.0% for 2026). Last reviewed: September 2026.