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Missouri Paycheck Calculator 2026: MO Take-Home

Missouri Paycheck Calculator

This Missouri paycheck calculator shows where your money goes in 2026. Missouri's income tax tops out at 4.7%, and if you live or work in Kansas City or St. Louis there's a 1% earnings tax most calculators forget. Estimate your pay from a salary or hourly wage, pick your city, then build a pay stub from the same numbers.

  • Missouri's graduated state tax, up to 4.7% for 2026
  • The Kansas City and St. Louis 1% earnings tax, built in
  • Federal tax, Social Security and Medicare for 2026
  • Salary or hourly, with overtime and pre-tax deductions

2026 figures checked against the Missouri Department of Revenue withholding formula and the Kansas City and St. Louis earnings tax rules, and IRS. Last updated September 2026.

Estimated Take-Home Pay

$4,042.28
Gross Pay$5,000.00
Federal Income Tax-$418.33
Missouri State Tax-$156.89
FICA (Social Security & Medicare)-$382.50
Net Pay$4,042.28

Example: $60,000 salary, single filer, paid monthly, rest of Missouri, 2026 rates. In Kansas City or St. Louis a 1% earnings tax would take about $50 more a month.

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The 1% line most Missouri calculators leave out

Missouri's state income tax is graduated and tops out at 4.7% for 2026, after a standard deduction that matches the federal one. But there's a second tax the generic calculators skip: Kansas City and St. Louis each charge a 1% earnings tax on gross wages, and it applies whether you live in the city or just work there. On a $60,000 salary that's about $600 a year, so a calculator that ignores it overstates your take-home. This one lets you pick your city and itemizes every line like a real pay stub.

Calculate Your Missouri Take-Home Pay for 2026

Salary or hourly, any pay schedule. It applies the 2026 IRS federal brackets, Missouri's graduated tax up to 4.7% after the standard deduction, the Kansas City or St. Louis 1% earnings tax if you pick one, and 7.65% FICA. It updates as you type.

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estimated take-home pay per paycheck

Want these numbers on a document? Turn this estimate into a Missouri pay stub with the same 2026 math, preview before you download.

How this calculator works: it applies the 2026 IRS federal brackets, 7.65 percent FICA, Missouri's graduated tax up to 4.7% on income after the $16,100 single / $32,200 joint standard deduction, and the Kansas City or St. Louis 1% earnings tax on gross wages when you select one of those cities. Missouri has no other local income tax, so this is a close estimate of your real check.

What the Kansas City and St. Louis Earnings Tax Costs in 2026

The 1% earnings tax is the difference between a Missouri paycheck in Kansas City or St. Louis and one in the rest of the state. Here's the same single-filer salary with and without it for 2026, using this site's verified calculator. Because the earnings tax is a flat 1% of gross, the cost is easy to see, and it applies whether you live in the city or commute in to work.

Annual salaryRest of MissouriKansas City or St. LouisEarnings tax costs
$50,000$40,942$40,442-$500
$75,000$59,005$58,255-$750
$100,000$75,417$74,417-$1,000
Flat 1% of gross: the cost rises straight with your pay Residents and commuters both pay it in KC and St. Louis

Missouri Take-Home Pay Examples for 2026

What common salaries keep in Missouri for 2026, single filer, in the rest of the state (no city earnings tax), using the graduated rate up to 4.7% after the standard deduction. These are the same numbers the calculator prints. In Kansas City or St. Louis, subtract 1% of your gross.

Annual salarySingle: per yearSingle: per monthSingle: biweeklyMarried joint: per year
$40,000$33,377$2,781$1,283.74$35,969
$50,000$40,942$3,412$1,574.71$43,739
$60,000$48,507$4,042$1,865.67$51,444
$75,000$59,005$4,917$2,269.42$62,792
$100,000$75,417$6,285$2,900.67$81,704
$120,000$88,547$7,379$3,405.67$96,834
Top rate 4.7%, and cut step by step in recent years Add 1% in KC or St. Louis for the city earnings tax

How to Calculate Your Missouri Paycheck

1Start with gross payYour salary per pay period, or hourly rate times hours, plus time and a half for overtime past 40 hours.
2Remove pre-tax deductions401(k) and health premiums come out first and lower the income that gets taxed, state and federal.
3Apply federal, MO, city and FICA2026 federal brackets, Missouri's graduated tax after the deduction, the 1% KC or St. Louis earnings tax if it applies, plus 7.65% FICA.
4What's left is take-homeCheck whether you live or work in Kansas City or St. Louis, since the 1% earnings tax is easy to miss.

You don't have to do this by hand. The paystub generator runs every line and puts it on a downloadable stub. If your check looks smaller than expected, our guide to why paychecks come out low explains where it goes.

How Missouri Paycheck Taxes Work

Missouri sits in the middle of the pack for paycheck taxes, with one wrinkle two big cities add. On top of federal income tax, Social Security and Medicare, Missouri charges a graduated income tax that starts at 0% and climbs through several narrow bands to a top rate of 4.7% for 2026. Because the bands are small, most of a typical salary is taxed at that 4.7% top rate once the standard deduction comes off. The standard deduction matches the federal figure, $16,100 for a single filer and $32,200 for a couple in 2026, so a $60,000 single filer in the rest of the state keeps about $48,507 a year, an effective rate near 19.2%.

The part generic calculators miss is local. Kansas City and St. Louis each levy a 1% earnings tax on gross wages, and it is broad: residents pay it on all their earnings, and nonresidents pay it on the wages they earn while working inside the city. No other Missouri city has a local income tax. On a $60,000 salary that 1% is about $600 a year, enough to matter, so this calculator asks which city you're in. Missouri has also been cutting its income tax: the top rate has stepped down in recent years, the state exempted capital gains from tax in 2025, and further cuts are on the table, with some leaders aiming to phase the income tax out over time. Pre-tax deductions like a 401(k) or a health premium lower your state and federal tax, though the earnings tax is figured on gross.

Hourly Pay and the Minimum Wage

An hourly wage gets annualized first. Missouri's minimum wage is adjusted each year and sits well above the federal $7.25 floor. At $22 an hour, 40 hours a week is about $45,760 a year, and a single filer outside the earnings-tax cities nets close to $1,451 on a biweekly check after federal tax, Missouri tax and FICA. The gap between one check and your year-to-date totals is explained in our guide to current vs YTD on a pay stub.

Overtime in 2026: Missouri taxes overtime as regular wages, so the graduated rate and, in Kansas City or St. Louis, the 1% earnings tax both apply to it. The only break is federal: the deduction of up to $12,500 of overtime premium ($25,000 joint, through 2028) claimed on your federal return. Your W-2 carries the amount, explained in our guide to overtime on the W-2.

Missouri Paycheck FAQ

How much is taken out of a paycheck in Missouri?
Missouri takes federal income tax, a graduated state income tax that tops out at 4.7% for 2026, and 7.65% FICA. If you live or work in Kansas City or St. Louis, add a 1% local earnings tax on gross wages. A single filer earning $60,000 in the rest of Missouri keeps about $48,507 a year, roughly a 19.2% effective rate. In Kansas City or St. Louis that same worker keeps about $47,907 after the 1% earnings tax.
What is Missouri's income tax rate for 2026?
Missouri has a graduated income tax that tops out at 4.7% for 2026. It starts at 0% on the first band of taxable income and steps up through 2%, 2.5%, 3%, 3.5%, 4%, and 4.5%, reaching 4.7% on income above roughly $9,436 after the standard deduction. Because those steps are narrow, most workers pay close to the 4.7% top rate on the bulk of their pay. The rate has been falling in recent years and Missouri is weighing further cuts.
Do Kansas City and St. Louis have a city earnings tax?
Yes. Both Kansas City and St. Louis charge a 1% earnings tax on gross wages. It applies to residents no matter where they work, and to nonresidents on the wages they earn while working inside the city. No other Missouri city has a local income tax. It's a flat 1%, so on a $60,000 salary it's about $600 a year, and most generic paycheck calculators leave it out.
How much is $60,000 after taxes in Missouri?
About $48,507 a year for a single filer in the rest of Missouri in 2026, close to $4,042 a month or $1,866 on a biweekly check, after federal tax, the graduated Missouri income tax and FICA. Missouri income tax alone is about $1,883. In Kansas City or St. Louis, subtract the 1% earnings tax, about $600, so take-home is closer to $47,907. Married filing jointly keeps about $51,444.
What is Missouri's standard deduction for 2026?
Missouri's standard deduction matches the federal one for 2026: $16,100 for a single filer, $32,200 for married filing jointly, and $24,150 for head of household. It comes off before the graduated rates apply. Missouri no longer has a separate personal exemption, so the standard deduction is the main thing lowering your taxable income.
Is Missouri getting rid of its income tax?
Not yet, but it's moving that way. Missouri's top rate has been cut step by step in recent years to 4.7%, and in 2025 the state exempted capital gains from income tax. State leaders have said eliminating the income tax entirely is a goal, with future rate cuts tied to revenue growth. For now a paycheck still has Missouri income tax withheld, which is what this calculator estimates.
How much is $75,000 after taxes in Missouri?
A single filer earning $75,000 in the rest of Missouri keeps about $59,005 a year in 2026, roughly $4,917 a month or $2,269 on a biweekly check, for an effective rate near 21.3%. That is after federal tax, about $2,588 in Missouri income tax, and FICA. In Kansas City or St. Louis the 1% earnings tax takes about $750 more. Married filing jointly at $75,000 keeps about $62,792.
How much is $100,000 after taxes in Missouri?
A single filer earning $100,000 in the rest of Missouri keeps about $75,417 a year in 2026, close to $6,285 a month or $2,901 biweekly, an effective rate near 24.6%. Missouri income tax is about $3,763. In Kansas City or St. Louis the 1% earnings tax adds about $1,000 a year. Married filing jointly keeps about $81,704 at $100,000.
How much do I take home on $25 an hour in Missouri?
At $25 an hour full time, about $52,000 a year, a single Missouri worker outside the two earnings-tax cities keeps roughly $42,455 in 2026, close to $3,538 a month or $1,633 on a biweekly check, for an effective rate near 18.4%. That covers federal tax, about $1,507 in Missouri income tax, and FICA. In Kansas City or St. Louis, subtract about $520 for the 1% earnings tax.
Does St. Louis charge the earnings tax if I work there but live elsewhere?
Yes. The St. Louis 1% earnings tax applies to nonresidents on the wages they earn while working inside the city, not just to residents. Kansas City works the same way. If you live outside the city but commute in, the earnings tax comes out of the pay you earn there. If you both live and work outside those two cities, you don't pay any Missouri local earnings tax.
How is overtime taxed in Missouri?
Overtime is taxed as ordinary wages in Missouri, at the same graduated rates up to 4.7%, plus federal tax, FICA, and the 1% city earnings tax if you live or work in Kansas City or St. Louis. There is no special overtime tax rate. A large check with overtime can have more withheld because the payroll formula annualizes that period, but any over-withholding comes back at tax time.
How much is $50,000 after taxes in Missouri?
A single filer earning $50,000 in the rest of Missouri keeps about $40,942 a year in 2026, roughly $3,412 a month or $1,575 on a biweekly check, for an effective rate near 18.1%. That is after federal tax, about $1,413 in Missouri income tax, and FICA. In Kansas City or St. Louis the 1% earnings tax takes $500 more, so take-home is closer to $40,442. Married filing jointly keeps about $43,739.
How much is $40,000 after taxes in Missouri?
A single filer earning $40,000 in the rest of Missouri keeps about $33,377 a year in 2026, roughly $2,781 a month or $1,284 on a biweekly check, for an effective rate near 16.6%. Missouri income tax is about $943 at this salary. In Kansas City or St. Louis, subtract $400 for the 1% earnings tax. Married filing jointly keeps about $35,969.
How much do I take home on $20 an hour in Missouri?
At $20 an hour full time, about $41,600 a year, a single Missouri worker outside the two earnings-tax cities keeps roughly $34,588 in 2026, close to $2,882 a month or $1,330 on a biweekly check, for an effective rate near 16.9%. That covers federal tax, about $1,018 in Missouri income tax, and FICA. In Kansas City or St. Louis, subtract about $416 for the 1% earnings tax.
How much is the Kansas City earnings tax on my paycheck?
The Kansas City earnings tax is a flat 1% of your gross wages, so it's easy to figure: about $500 a year on $50,000, $600 on $60,000, and $1,000 on $100,000. It comes out of every check on top of Missouri state tax. St. Louis charges the same 1%. Because it's on gross pay, pre-tax deductions like a 401(k) don't lower it. Pick your city in the calculator above to see the exact amount per paycheck.
Can I get a refund of the Kansas City or St. Louis earnings tax?
Sometimes, if you're a nonresident. Both cities let nonresidents request a refund of the 1% earnings tax for days they worked outside the city, using the city's earnings tax refund form and, usually, a signed statement from the employer. Residents generally can't get it refunded because they owe it on all earnings. Refund rules for remote and travel days have been contested, so confirm the current process with the Kansas City or St. Louis collector of revenue before you file.

Turn your Missouri estimate into a pay stub

Enter your pay and the generator runs the full 2026 Missouri math, the graduated tax, the Kansas City or St. Louis earnings tax and FICA. Preview it, then download when it looks right.

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Disclaimer: Estimates are for education, based on the 2026 Missouri Department of Revenue withholding formula, the Kansas City and St. Louis earnings tax rules, and federal rates. Your actual pay depends on your W-4, Missouri Form MO W-4 and benefits. This isn't tax advice; confirm with the Missouri Department of Revenue or a tax professional. Comparison figures use this site's own 2026 calculator.

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