Missouri Take-Home Pay Calculator 2026
Quick Answer: In 2026, Missouri has a progressive income tax from 0.00% to 4.70%. On a gross annual salary of $75,000, a single W-2 filer takes home approximately $59,005, while married joint filers take home about $62,792. Use the paycheck calculator below to estimate your exact net earnings.
What is the state tax in Missouri?
Missouri levies a progressive income tax from 0.00% to 4.70% on W-2 wages. Standard deduction shields a portion from tax.
What do you keep on a $75,000 salary?
Single W-2 filers retain about 78.7% of their gross paycheck, leaving $59,005 net.
How does FICA payroll tax apply?
A flat 6.2% is deducted for Social Security (up to $184,500) and 1.45% is deducted for Medicare.
Are OBBBA tax shelters applicable?
Yes. The federal overtime tax deduction helps W-2 earners shield their half-time overtime premiums from income tax.
How Does Missouri Tax Your Paycheck in 2026?
Your net take-home pay depends on federal income tax brackets, FICA payroll taxes, and state income tax codes. Missouri has a progressive income tax from 0.00% to 4.70% on personal wages. Standard deductions for 2026 are set at $16 100 for single W-2 filers and $32 200 for married joint filers, which reduce taxable income before tax brackets apply.
Federally, tax brackets are progressive, ranging from 10% to 37% (Rev. Proc. 2025-32). FICA taxes are also flat, with 6.2% Social Security (up to $184,500) and 1.45% Medicare.
What Are the Missouri Progressive Tax Brackets?
| Bracket Rate | Single Taxable Range |
|---|---|
| 0.00% | $0 to $1,348 |
| 2.00% | $1,348 to $2,696 |
| 2.50% | $2,696 to $4,044 |
| 3.00% | $4,044 to $5,392 |
| 3.50% | $5,392 to $6,740 |
| 4.00% | $6,740 to $8,088 |
| 4.50% | $8,088 to $9,436 |
| 4.70% | Over $9,436 |
What Do You Keep: Paycheck Breakdown in Missouri?
The table below outlines how much you keep at different gross annual salaries. These calculations assume a single W-2 filer with a standard deduction and no pre-tax retirement or health insurance contributions:
| Gross Salary | Federal Tax | State Tax | FICA | Take-Home Pay | Effective Rate |
|---|---|---|---|---|---|
| $50,000 | $3,820 | $1,413 | $3,825 | $40,942 | 18.1% |
| $75,000 | $7,670 | $2,588 | $5,738 | $59,005 | 21.3% |
| $100,000 | $13,170 | $3,763 | $7,650 | $75,417 | 24.6% |
| $150,000 | $24,734 | $6,113 | $11,475 | $107,678 | 28.2% |
- Federal tax$13,17013%
- Missouri tax$3,7634%
- FICA$7,6508%
- Take-home$75,41775%
- Gross$100,000
What Missouri-specific taxes affect your paycheck?
Missouri does have local income taxes, despite a common misconception. Both Kansas City and St. Louis levy a 1% earnings tax on residents and on non-residents who work within the city limits. If you live or work in either city, that 1% comes out of your gross wages on top of federal and Missouri state tax. A Kansas City resident earning $75,000 loses roughly $750 a year to the city earnings tax.
State income tax and withholding
Missouri uses a graduated income tax with a top rate of 4.70%, and the state conforms its standard deduction to the federal amount. Employers calculate withholding using Form MO W-4; the authoritative figures come from the Missouri Department of Revenue withholding formula. Federal FICA still applies: 6.2% Social Security and 1.45% Medicare.
Employer payroll and wage context
- SUTA wage base: Missouri unemployment tax applies to the first $9,000 of each employee's wages in 2026, with a new-employer rate of 2.376%. This is an employer cost and is not deducted from your paycheck.
- No state disability or paid-family-leave deduction: Missouri has no mandatory SDI or PFL payroll deduction, so those lines are always zero.
- Minimum wage: $15.00 per hour in 2026.
- Median household income: about $70,702, per U.S. Census data, for context on typical take-home figures.
Verify city residency status when estimating net pay, since the Kansas City or St. Louis 1% earnings tax can meaningfully change your actual take-home amount.
How Do You Calculate Your Missouri Paycheck Step-by-Step?
Want to calculate your paycheck manually? Follow this ordered step-by-step list:
- Determine your gross annual wages (or wages per pay period).
- Subtract pre-tax deductions like traditional 401(k) contributions (up to $23,500) and health premiums.
- Subtract your federal standard deduction ($16,100 for single filers, $32,200 for married joint filers) to find your federal taxable income.
- Apply progressive 2026 federal income tax brackets to calculate your federal tax.
- Subtract your state standard deduction (if any) to find state taxable income, and apply the flat rate or progressive brackets of Missouri.
- Compute FICA payroll taxes: 6.2% for Social Security on wages up to $184,500, and 1.45% for Medicare.
- Subtract all calculated taxes and FICA from your gross pay to find your net take-home salary.
How Does the 2026 Federal Deduction Affect Overtime in Missouri?
Under the federal OBBBA overtime tax deduction (valid for tax years 2025 through 2028), the 0.5x premium portion of your time-and-a-half overtime rate is exempt from federal income tax. This deduction is capped at $12,500 for single W-2 filers and $25,000 for married couples filing jointly. You still owe FICA and state income taxes on this premium portion. To calculate your overtime premium tax savings, visit our dedicated No Tax on Overtime Calculator.
How Does Missouri Compare to Neighboring States?
Comparing income taxes across neighboring states helps evaluate job offers and geographical cost advantages: