Mississippi Paycheck Calculator 2026
Mississippi taxes nothing on the first $10,000 of taxable income and 4% above it for 2026, so withholding on low wages is very small. Form 89-350 sets exemptions in dollars rather than allowances.
Last updated: October 2026
Pay and filing
Annual gross: $65,000
Used to stop Social Security at the $184,500 wage base and to start the extra 0.9% Medicare above $200,000 on this paycheck.
Form W-4
Step 3: $2,200 per child and $500 per other dependent, a year.
For example education or child care credits you expect to claim.
Interest, dividends or other income with no withholding.
Deductions beyond the standard deduction, including deductible IRA contributions.
Retirement and benefits
$3,900 a year, capped at the $24,500 employee limit for 2026.
Traditional contributions lower federal and most state income tax now, but not Social Security or Medicare.
Through payroll, an HSA avoids income tax and FICA. California and New Jersey still tax it.
2026 limit $3,400.
2026 limit $7,500 per household ($3,750 married filing separately).
Paycheck breakdown (biweekly)
Annual summary
Mississippi paycheck rules for 2026
| State income tax, 2026 | Flat 4% above the first $10,000 of taxable income |
|---|---|
| Deductions before tax | standard deduction $2,300 single, $4,600 joint; personal exemption $6,000 per person |
| Withholding certificate | Form 89-350 |
| Bonus (supplemental) withholding | No separate flat rate: a bonus is taxed with your regular pay (aggregate method) |
| Mandatory payroll premiums | None for employees |
| Local income taxes | None |
| Reciprocity agreements | None |
| Sales tax (for context) | 7.00% state, 7.06% average combined with local (rank 24 of 51) |
Worked example: $60,000 in Mississippi
Single filer, paid every two weeks (26 paychecks), standard W-4, no 401(k) or other benefits.
| Gross pay | $2,307.69 |
| Federal income tax | -$193.08 |
| Social Security (6.2%) | -$143.08 |
| Medicare (1.45%) | -$33.46 |
| Mississippi income tax | -$64.15 |
| Take-home pay | $1,873.92 |
Mississippi take-home pay at different salaries
Single filer, paid every two weeks, standard W-4, no benefits, no local tax.
| Salary | Per paycheck | Per year | To Mississippi |
|---|---|---|---|
| $40,000 | $1,286.62 | $33,452 | $868 |
| $60,000 | $1,873.92 | $48,722 | $1,668 |
| $100,000 | $2,919.69 | $75,912 | $3,268 |
| $150,000 | $4,173.96 | $108,523 | $5,268 |
Living and working in Mississippi
Mississippi's state sales tax is 7.00%; with local add-ons the average combined rate is 7.06%, ranked 24 of 51 as of July 2026.
The first slice of taxable income is taxed at 0%, so Mississippi is a flat tax with an exemption rather than a true flat tax. The state is legislating toward full repeal.
In retirement: Mississippi does not tax Social Security, and exempts all qualified retirement income (pensions, 401(k)s and IRAs) regardless of amount. One of the most generous treatments in the country.
Mississippi paycheck questions
How much is take-home pay on $60,000 in Mississippi?
A single filer paid $60,000 a year every two weeks, with no pre-tax benefits, takes home about $1,873.92 a paycheck in Mississippi ($48,722 a year). Each $2,307.69 paycheck loses $193.08 to federal income tax, $176.54 to Social Security and Medicare, $64.15 to Mississippi income tax. That is $1,668 a year less than the same salary in a state with no income tax or payroll premiums.
How much Mississippi income tax comes out of each paycheck?
Flat 4% for 2026 on taxable income above $10,000; the first $10,000 is exempt. The rate falls toward 3% by 2030. On a $60,000 salary that works out to about $64.15 every two weeks, an effective 2.78% of gross pay.
What else does Mississippi take out of a paycheck?
Apart from income tax, Mississippi requires no other employee payroll deduction, so the remaining lines on your stub are federal income tax, Social Security, Medicare and any benefits you chose.
I live in another state but work in Mississippi. Whose tax comes out?
Mississippi has no reciprocal agreements, so your employer withholds Mississippi tax on wages for work done in Mississippi. Your home state normally gives a credit for tax paid to Mississippi, so you are not taxed twice on the same pay, but you may need to file in both states.
How are bonuses withheld in Mississippi?
Federally, a bonus paid separately is usually withheld at a flat 22% (37% on supplemental pay above $1 million in the year). For Mississippi: No separate flat rate: a bonus is taxed with your regular pay (aggregate method).
Which form sets my Mississippi withholding?
Mississippi uses Form 89-350 alongside the federal Form W-4. If you do not file one, your employer uses the state's default setting, usually single with no allowances or adjustments. Update it after marriage, a new child or a second job.
More for Mississippi
- Mississippi income tax calculator for the full year
- Paycheck calculator for all states
- Bonus tax calculator