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Mississippi Paycheck Calculator 2026

Estimate your 2026 Mississippi take-home pay from salary or hourly wages. This calculator applies the new 4% state rate with the $10,000 zero band, your standard deduction and Form 89-350 exemptions, and handles federal W-4 withholding, Social Security, Medicare and pre-tax deductions. Mississippi tax shows up as state withholding (SIT) on your pay stub.

Written by Rachel Brooks, Tax Forms and W-2 Content Specialist. Updated September 25, 2026. Every example is checked by hand against the 2026 Mississippi formula.

Calculate Take-Home Pay MS Payroll Guide
Gross pay$2,307.69
Pay frequencyBiweekly
Taxes & deductionsCurrent
Federal income tax$193.08
Social Security + Medicare$176.54
Mississippi income tax (4%)$64.00
Estimated net pay$1,874.07

Example: $60,000 salary, paid biweekly, federal Single, Form 89-350 single ($6,000 exemption), no voluntary deductions. Use the calculator below for your own numbers.

New 4% Mississippi rate$10,000 zero band and 89-350 exemptions
Federal W-4 + FICA2026 brackets, $184,500 wage base
Salary or hourlyWeekly, biweekly, semimonthly and monthly pay

Mississippi Paycheck Calculator

Pay details
Pay details
Pay type
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Federal Form W-4
Federal Form W-4
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$

Need the form itself? Use our Form W-4 generator.

Mississippi Form 89-350
Mississippi Form 89-350
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Mississippi subtracts a standard deduction ($2,300 single, $4,600 married, $3,400 head of family) and your exemptions, taxes the first $10,000 at 0% and the rest at 4%, then rounds each paycheck to the dollar.

Deductions
Deductions
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$
$
Advanced payroll fields
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2026 calculation methodology

Federal withholding uses the 2026 federal brackets and standard deduction for your Form W-4 filing status, with Step 2(c), Step 3 and Step 4 inputs. Mississippi withholding follows Publication 89-700 for 2026: annualized wages minus the standard deduction and your Form 89-350 exemptions, 0% on the first $10,000 and 4% on the rest, divided by pay periods and rounded to the nearest dollar, plus any extra amount. Social Security is 6.2% up to $184,500 and Medicare is 1.45%, plus 0.9% above $200,000. See the worked example and test cases below.

What You Should Know About Mississippi Paychecks

Mississippi's income tax rate dropped to 4% for 2026, and it only applies above the first $10,000 of taxable wages. Before that, your employer subtracts a standard deduction and the exemptions on your Form 89-350. On a $60,000 salary filing single, that's $64 per biweekly paycheck.

The rate keeps falling: 3.75% in 2027 and down to 3% by 2030 under a 2025 law. Mississippi rounds withholding to the whole dollar, so the state line on your stub shows no cents.

There's no city income tax, no state disability or paid leave deduction and no state minimum wage, so the federal $7.25 applies.

4% 2026 income tax rate

On taxable wages above $10,000.

$8,300 Single deduction plus exemption

$2,300 standard deduction and $6,000 exemption.

3% by 2030 Scheduled rate cuts

0.25 points off each year from 2027.

Mississippi Paycheck Taxes at a Glance

Here's everything that can come out of a Mississippi paycheck in 2026 and which payroll taxes the employer pays instead. For more on the federal lines, see our FICA tax guide.

Mississippi employee paycheck items in 2026
Paycheck item 2026 treatment Employee deduction?
Federal income taxBased on wages, pay frequency and Form W-4Yes
Social Security6.2% up to the 2026 wage base of $184,500Yes
Medicare1.45% of all wages, plus 0.9% Additional Medicare above $200,000Yes
Mississippi income tax4% above $10,000 after the standard deduction and Form 89-350 exemptionsYes
Local income taxNone; no Mississippi city or county taxes wagesNo
Disability or paid leaveNone; Mississippi has no state program deductionNo
Unemployment insuranceEmployer-paid on the first $14,000 of wagesNo

2026 Mississippi Withholding Formula

Publication 89-700 for 2026 sets out the percentage method. Your employer annualizes your wages, subtracts the standard deduction and your exemptions, taxes what's left above $10,000 at 4%, then divides by pay periods and rounds to the dollar.

2026 Mississippi standard deductions and exemptions
Form 89-350 status Standard deduction Exemption Total taken off wages
Single$2,300$6,000$8,300
Married, spouse not working$4,600$12,000$16,600
Married, both working (even split)$2,300$6,000$8,300
Head of family$3,400$9,500$12,900
No Form 89-350$2,300$0$2,300
Each dependent, or age 65 or blind$1,500$1,500 more
The $10,000 zero band: After those amounts come off, the first $10,000 is taxed at 0%. A single filer owes no Mississippi withholding until annual wages pass $18,300, which is why a full-time $7.25 an hour job has none.

Mississippi's Income Tax Cuts, 2025 to 2030

The 2025 Build Up Mississippi Act lowers the rate a quarter point a year. Here's what each rate means for the same $60,000 single biweekly paycheck, using 2026 deductions and exemptions.

Mississippi withholding on a $60,000 biweekly salary by tax year
Tax year Rate above $10,000 Mississippi tax per paycheck Tax per year
20254.4%$71$1,835
20264%$64$1,668
20273.75%$60$1,564
20283.5%$56$1,460
20293.25%$52$1,355
20303%$48$1,251
After 2030: More cuts happen only when state revenue beats set targets, with a long-run goal of no income tax. Per-paycheck figures are rounded to the dollar the way employers withhold; yearly figures are the annual formula result.

Form 89-350: How Your Choices Change Your Paycheck

Mississippi doesn't use your federal W-4. Your employer needs Form 89-350, and without one it withholds with no exemption. Here's what each choice does to a $60,000 biweekly paycheck.

Effect of Form 89-350 choices on Mississippi withholding, $60,000 salary, biweekly (2026)
Form 89-350 choice Mississippi tax per paycheck Take-home pay
No Form 89-350$73$1,865.07
Single$64$1,874.07
Single, 1 dependent$62$1,876.07
Single, 2 dependents$60$1,878.07
Head of family$57$1,881.07
Married, spouse not working$51$1,887.07
Single, plus $10 extra$74$1,864.07
Exempt$0$1,938.07
How to read this: Each $1,500 dependent exemption is worth about $2 per biweekly paycheck. Take-home figures use federal Single so only the Form 89-350 choice changes.

What Mississippi Tax Really Costs by Salary

Mississippi tax for a single filer and a married couple with a spouse at home, biweekly pay. Thanks to the $10,000 zero band, the share of gross stays under 4% even at $150,000.

Mississippi withholding by salary (2026)
Salary Single: tax per paycheck Single: tax per year Single: share of gross Married, spouse not working: tax per paycheck
$30,000$18$4681.56%$5
$40,000$33$8582.15%$21
$50,000$49$1,2742.55%$36
$60,000$64$1,6642.77%$51
$75,000$87$2,2623.02%$74
$100,000$126$3,2763.28%$113
$120,000$156$4,0563.38%$144
$150,000$203$5,2783.52%$190

Mississippi Paycheck Tax Compared With Nearby States

The same $60,000 biweekly paycheck, filing single, run through our other state calculators with their default settings.

State income tax on a $60,000 salary, biweekly, single (2026)
State Income tax per paycheck Income tax per year
Alabama$96.50$2,509
Arkansas$66.65$1,733
Mississippi$64.00$1,664
Louisiana$56.01$1,456
Tennessee$0.00$0
Keep the whole picture in mind: Mississippi already sits among the lower-tax states in the South, and the scheduled cuts will bring the same paycheck down to about $48 by 2030. Tennessee has no wage tax at all.

Mississippi Salary Calculator: Take-Home Pay Examples for 2026

Biweekly pay and no pre-tax deductions. Single filers use federal Single and Form 89-350 single; married filers use Married Filing Jointly and married with the spouse not working. To convert pay first, use our salary to hourly calculator, or model a raise with the pay raise calculator.

Mississippi take-home pay by annual salary (biweekly, 2026)
Annual salary Single annual net Single avg. monthly net Married annual net Married avg. monthly net
$30,000$25,817$2,151$27,575$2,298
$40,000$33,462$2,788$35,614$2,968
$50,000$41,081$3,423$43,459$3,622
$60,000$48,726$4,060$51,244$4,270
$75,000$59,330$4,944$62,698$5,225
$100,000$75,904$6,325$81,772$6,814
$120,000$89,194$7,433$97,036$8,086
$150,000$108,513$9,043$118,245$9,854

How to Calculate Your Mississippi Paycheck

A Mississippi paycheck goes from gross pay to take-home pay in four steps. The state step is the 4% income tax after the $10,000 zero band, which this calculator runs for you.

1

Calculate gross pay

Divide salary by pay periods, or multiply the hourly rate by regular hours and add overtime at 1.5 times the rate after 40 hours in a week.

4

Calculate Mississippi tax

Annualize wages, subtract the standard deduction and Form 89-350 exemptions, tax everything above $10,000 at 4%, divide by pay periods and round to the dollar. Then subtract post-tax deductions.

Mississippi Withholding Worked Example: $60,000 Salary, Biweekly

Here's the 2026 Mississippi formula run by hand for the paycheck at the top of this page: a $60,000 salary, Form 89-350 single, biweekly pay and no pre-tax deductions.

Step-by-step 2026 Mississippi withholding on a $60,000 biweekly salary
Step Calculation Result
1. Annualize wages$2,307.69 times 26$59,999.94
2. Subtract the standard deduction$59,999.94 minus $2,300$57,699.94
3. Subtract the exemption$57,699.94 minus $6,000$51,699.94
4. Remove the zero band$51,699.94 minus $10,000$41,699.94
5. Apply the rate$41,699.94 times 4%$1,668.00 per year
6. Convert and round$1,668.00 divided by 26 is $64.15, rounded$64 per paycheck
What it means for take-home pay: Gross pay of $2,307.69 minus $193.08 federal income tax, $143.08 Social Security, $33.46 Medicare and $64 Mississippi tax leaves $1,874.07.

Mississippi Minimum Wage and Overtime in 2026

Mississippi is one of the few states with no minimum wage law of its own, so federal rules apply to most jobs.

Mississippi minimum wage and pay rules
Rule Amount or requirement What it means for a paycheck
Minimum wage$7.25 an hour (federal)$290 weekly gross at 40 hours; no federal or Mississippi income tax withheld; about $267.81 take-home
Tipped employees$2.13 cash wage, with tips bringing pay to $7.25Tips are taxable wages and are withheld on
Overtime1.5 times the regular rate after 40 hours a week (federal)Enter overtime hours in hourly mode
Overtime example: $20 an hour for 80 regular and 10 overtime hours is $1,900 gross. Mississippi withholding is $48 and take-home pay is $1,562.50. To total a week of punches first, use our time card calculator with overtime.

For more on how deductions change taxable wages, see our pre-tax vs. post-tax deductions guide.

Mississippi Paycheck Tax Calculator: How Mississippi Withholding Works

A Mississippi paycheck calculator has one state line to get right: the 4% income tax after deductions, exemptions and the $10,000 zero band. On your pay stub it usually appears as SIT or MS state withholding. Our pay stub abbreviations list explains the other codes.

Federal Withholding for Mississippi Paychecks

Federal withholding uses your Form W-4 and the 2026 federal brackets. The calculator supports filing status, Step 2(c), Step 3 credits and Step 4(a), 4(b) and 4(c). If you claim the new overtime or tips deductions, our W-4 Step 4(b) worksheet guide shows how to enter them, and our 2026 federal tax withholding guide covers the rest.

Working Across State Lines

Mississippi has no reciprocal agreements. If you live in Louisiana, Alabama or Arkansas and work in Mississippi, your employer withholds Mississippi tax and your home state gives you a credit. Tennessee residents working in Mississippi pay Mississippi tax with nothing to offset it at home.

Bonuses

Mississippi has no flat bonus rate. Your employer adds the bonus to your regular wages for the pay period and withholds on the total, which can push that paycheck's withholding up. Federal withholding (usually a flat 22%) and FICA apply too. See why bonuses are taxed so high.

Employer Payroll Costs in Mississippi

Employers pay state unemployment insurance on the first $14,000 of each employee's wages. None of it comes out of your pay. At year-end, our W-2 form generator can use the same wage and withholding totals.

Why Your Actual Mississippi Paycheck May Differ

This calculator is a close estimate, not your employer's payroll run. Your Form 89-350 on file, whole-dollar rounding, how you and your spouse split the married exemption, benefit elections, year-to-date wages and a 27th biweekly payday in some years can all move the result a little. Three-paycheck months change monthly cash flow but not the tax on each check. For a full checklist, see why your paycheck is lower than expected.

Official 2026 Mississippi Payroll Sources

Payroll facts on this page are checked against Mississippi Publication 89-700 for 2026, the Department of Revenue withholding page, MDES unemployment tax and IRS Publication 15-T for 2026. Reviewed September 25, 2026.

Mississippi Paycheck Calculator by Pay Frequency

This page also works as a weekly, biweekly, semimonthly or monthly Mississippi payroll calculator. The annual salary stays the same, but gross pay and withholding on each check change with the number of pay periods. See our pay period guide for how the schedules differ.

52Weekly$937.04 net
26Biweekly$1,874.07 net
24Semimonthly$2,029.58 net
12Monthly$4,060.17 net
1Annual$48,726 net
Figures use a $60,000 salary, federal Single, Form 89-350 single and no voluntary deductions. Mississippi tax is $32 weekly, $64 biweekly, $70 semimonthly and $139 monthly.

How We Test This Mississippi Paycheck Calculator

Every scenario below was run through the calculator on this page on September 25, 2026 and checked by hand against Mississippi Publication 89-700 for 2026. Scenarios are biweekly unless noted.

Mississippi paycheck test cases, checked September 25, 2026 (per paycheck)
Scenario Gross pay Federal income tax Mississippi tax Take-home pay
$30,000, single$1,153.85$54.62$18$992.96
$60,000, single$2,307.69$193.08$64$1,874.07
$60,000, no Form 89-350$2,307.69$193.08$73$1,865.07
$60,000, single, 2 dependents$2,307.69$193.08$60$1,878.07
$60,000, head of family$2,307.69$193.08$57$1,881.07
$60,000, married, spouse not working$2,307.69$193.08$51$1,887.07
$60,000, single, $10 extra$2,307.69$193.08$74$1,864.07
$60,000, exempt$2,307.69$193.08$0$1,938.07
$60,000, $150 401(k)$2,307.69$175.08$58$1,748.07
$60,000, $100 Section 125$2,307.69$181.08$60$1,797.72
$60,000, Married Filing Jointly, married$2,307.69$109.23$51$1,970.92
$45,000, Head of Household, $2,200 W-4 credit, head of family, 2 dependents$1,730.77$0.00$29$1,569.36
$100,000, single$3,846.15$506.54$126$2,919.38
$150,000, single$5,769.23$951.31$203$4,173.58
$20 an hour, 80 hours plus 10 overtime$1,900.00$144.15$48$1,562.50
$7.25 an hour, 40 hours, weekly$290.00$0.00$0$267.81
Update log: September 25, 2026: rewrote this page and fixed the calculator. The old version treated Mississippi as a state with no income tax and showed $0 Mississippi withholding. The calculator now applies the 2026 4% rate with the $10,000 zero band, standard deductions and Form 89-350 exemptions, rounded to the dollar. We added the formula table, the 2025 to 2030 rate cut schedule, a Form 89-350 comparison, a state comparison, a worked example and the test cases above. We re-check this page whenever the Department of Revenue or the IRS publishes new tables, and at least once a year each January.

2026 Tax Data This Calculator Uses

Here's every rate and limit behind the numbers on this page and where it comes from, so you can check them yourself.

Tax rates and limits used by the Mississippi paycheck calculator
Item 2026 value used Source
Federal income tax withholding2026 brackets and standard deductions for Form W-4IRS Publication 15-T (2026)
Social Security6.2% up to $184,500 in wagesSocial Security Administration
Medicare1.45% of all wages, plus 0.9% above $200,000IRS Publication 15 (2026)
Mississippi withholding4% above $10,000; $2,300, $3,400 or $4,600 standard deduction; $6,000, $9,500 or $12,000 exemption; $1,500 per dependentPublication 89-700 (2026)
Future rates3.75% in 2027 to 3% in 2030National Taxpayers Union Foundation summary of HB 1
Minimum wage$7.25 federal; $2.13 tipped cash wageU.S. Department of Labor
Unemployment taxEmployer-paid on the first $14,000 of wagesMDES
Spotted something that looks wrong? Tell us through the editorial contact form with the inputs you used, and we'll re-check the calculation. This page is written by Rachel Brooks and follows the research and review process on our editorial team page. ePayStubs isn't affiliated with the IRS or the State of Mississippi.

Mississippi Paycheck Calculator FAQ

Does Mississippi have a state income tax?
Yes. For 2026 Mississippi taxes income above $10,000 at a flat 4%, down from 4.4% in 2025. The rate is scheduled to drop by 0.25 points a year until it reaches 3% in 2030. No Mississippi city taxes wages.
How much tax is taken out of a Mississippi paycheck?
On a $60,000 salary paid biweekly, filing single, $433.62 comes out of each $2,307.69 paycheck: $193.08 federal income tax, $143.08 Social Security, $33.46 Medicare and $64 Mississippi income tax. That leaves $1,874.07.
How does Mississippi figure withholding?
Your employer annualizes your wages and subtracts a standard deduction ($2,300 single, $4,600 married, $3,400 head of family) and your Form 89-350 exemptions ($6,000 single, $12,000 married, $9,500 head of family, plus $1,500 per dependent). The first $10,000 of what's left is taxed at 0% and the rest at 4%. The yearly amount is divided by pay periods and rounded to the dollar.
What is Form 89-350?
It's Mississippi's employee withholding exemption certificate, the state version of the W-4. You list your filing status and the dollar value of your exemptions. If you don't file one, your employer withholds with no exemption, which costs a single $60,000 earner about $9 more per biweekly paycheck.
How do married couples who both work fill out Form 89-350?
The $12,000 married exemption is split between the spouses in any way they choose, and each uses the $2,300 standard deduction. This calculator's "married, both working" option assumes an even split of $6,000 each.
How are bonuses taxed in Mississippi?
Mississippi has no flat supplemental rate. Employers add the bonus to regular wages for that pay period and withhold as if it were one payment. Federal withholding, usually a flat 22%, and FICA apply too.
What is Mississippi's minimum wage?
Mississippi has no state minimum wage law, so the federal $7.25 an hour applies to most jobs. Tipped employees can be paid $2.13 an hour in cash wages if tips bring them to $7.25.
Does Mississippi have local income taxes or state disability tax?
No. No Mississippi city or county taxes wages, and there's no state disability or paid leave deduction. Unemployment insurance is paid only by employers.
Are 401(k) contributions pre-tax in Mississippi?
Yes. Traditional 401(k) and Section 125 deductions lower Mississippi taxable wages. A $150 biweekly 401(k) contribution on a $60,000 salary cuts Mississippi withholding from $64 to $58.
Will Mississippi's income tax go away?
The 2025 law cuts the rate to 3.75% in 2027, 3.5% in 2028, 3.25% in 2029 and 3% in 2030. After that, more cuts happen only if state revenue meets set targets, with the goal of eventually reaching zero.
How do I calculate take-home pay in Mississippi?
Start with gross pay and subtract pre-tax deductions. Figure federal withholding and FICA. Then annualize Mississippi wages, subtract the standard deduction and exemptions, tax everything above $10,000 at 4%, divide by pay periods and round to the dollar. Subtract post-tax deductions to get take-home pay.

Mississippi Payroll Resources

Mississippi Paystub Generator

Create a Mississippi pay stub with federal tax, FICA and state tax.

Form W-4 Generator

Prepare the federal withholding form behind your paycheck calculation.

W-2 Form Generator

Create a W-2 from year-end wage and withholding totals.

Helpful Guides

SIT or SWT on a Pay StubState withholding explained Gross Pay vs Net PayUnderstand the difference FICA Tax ExplainedSocial Security and Medicare Pre-Tax vs Post-TaxHow deductions change take-home pay

Ready to put your Mississippi numbers on a pay stub?

Use the same gross pay, federal tax, FICA, Mississippi withholding and deduction details with our paystub generator to create a Mississippi pay stub.

Build My Mississippi Pay Stub

Written by: Rachel Brooks, Tax Forms and W-2 Content Specialist. Last updated: September 25, 2026. Checked against Mississippi Publication 89-700 for 2026, MDES and IRS Publication 15-T (2026).

Disclaimer: Estimates are for educational use and aren't tax or legal advice. Actual payroll withholding depends on the employee's Form W-4, Form 89-350, year-to-date wages, benefits, deductions and employer payroll system. For more Mississippi payroll details, see our Mississippi Payroll Guide.

Official sources: Mississippi DOR Publication 89-700 (2026) · MDES · IRS Publication 15-T (2026). Reviewed September 25, 2026.

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