2026 Missouri Paycheck Calculator
Updated 2026 · IRS Pub 15-T · SSA · Missouri DOR · Private browser calculation
On a $100,000 salary in Missouri, a single filer keeps about $75,410 take-home per year (24.6% effective tax rate) after federal, Missouri state, and FICA withholding in 2026.
2026 data verified · Last checked June 11, 2026
In Missouri, a single filer earning $75,000 per year takes home approximately $58,993 after taxes (2026). Federal tax: $7,670 | Missouri state tax: $2,600 | FICA: $5,738.
21.3% effective tax rate
Missouri uses a progressive state income tax system. Higher income levels are subject to higher marginal rates, so your effective Missouri state withholding rate depends on your total annual income and filing status. Federal income tax and FICA are calculated separately and also reduce your take-home pay each pay period.
See how all 51 states rank for take-home pay in our Best States for Take-Home Pay 2026 research study.
Most W-2 paychecks in Missouri include several standard withholding categories. Your employer uses IRS Publication 15-T tables for federal income tax, then applies payroll taxes and any state or local taxes required for your work location.
Your annual salary is the same whether you are paid weekly, biweekly, semi-monthly, or monthly, but each paycheck amount differs because the number of pay periods changes. Weekly pay divides your annual gross into 52 checks; biweekly into 26; semi-monthly into 24; and monthly into 12. Withholding tables account for pay frequency, so per-check federal and state amounts may not be a simple annual total divided evenly. Comparing offers or budgeting often requires looking at both per-paycheck net and annual take-home together.
Filing status — Single, Married Filing Jointly, or Head of Household — changes the withholding brackets your employer uses for federal income tax and, in most states with income tax, for state withholding as well. Two employees earning the same salary in Missouri can have different net pay if their filing status or W-4 entries differ. Updating your W-4 after a marriage, divorce, or dependent change is the most common way to align withholding with your expected tax situation.
See take-home pay for common jobs in Missouri after federal and state taxes:
Missouri uses a progressive state income tax structure, so withholding rises as taxable wages move into higher state brackets.
Your effective state tax rate is usually lower than the top marginal rate because only part of your wages is taxed at each higher bracket.
Missouri also has local payroll tax exposure in places such as Kansas City, St. Louis, so some workers will see an additional city or municipal withholding line on top of state tax.
Use the calculator above to adjust salary, filing status, pay frequency, and deductions for a more specific Missouri paycheck estimate.
Your Missouri paycheck starts with gross wages, then payroll withholding applies federal income tax, Social Security, Medicare, and any state-specific wage rules before you see net pay. Missouri uses graduated state income tax brackets, so withholding can climb faster as taxable wages increase. Missouri generally keeps the paycheck math at the federal-plus-state level unless your employer or benefits elections add other deductions. That means two employees with the same salary can still bring home different amounts if filing status, pay frequency, pre-tax benefits, or local withholding rules differ.
For example, a Missouri resident earning $75,000 per year ($2,885 per biweekly paycheck before taxes) would take home approximately $60,500 per year after federal withholding, Missouri state income tax, Social Security (6.2%), and Medicare (1.45%) deductions. This editorial example uses a simplified planning estimate based on Missouri's 4.70% top rate rather than your exact payroll setup.
Use this page with the Missouri bonus tax calculator when a supplemental paycheck uses flat withholding, or read how overtime is taxed in 2026 if extra hours push a pay period into a higher bracket.
For relocation math, Missouri vs Illinois shows the same salary side by side. · State Income Tax Rankings 2026 · W-4 withholding optimization · 401(k) paycheck impact.
What changes the final number most is usually filing status, W-4 settings, and whether you contribute to pre-tax benefits such as a 401(k), HSA, or FSA. A bonus, RSU vest, or supplemental wage payment can also produce different withholding than regular salary. Kansas City and St. Louis wage-tax rules can change paycheck withholding for affected workers.
Use the calculator above to enter your exact salary, pay frequency, and filing status for a more precise estimate. All calculations use official 2026 IRS and Missouri Department of Revenue withholding tables, independently verified by Kevin Marshall, CPA (AZ #15690).
Net pay is the amount you actually receive after payroll deductions. It starts with gross pay, then subtracts federal income tax, Social Security, Medicare, state or local tax, and any voluntary deductions.
Take-home pay equals gross pay minus taxes and deductions. A paycheck calculator applies federal withholding, FICA, state income tax, local taxes where applicable, and pre-tax or post-tax deductions in the correct order.
Gross pay is earnings before deductions. Net pay is what remains after payroll taxes, benefits, retirement contributions, insurance premiums, garnishments, and other paycheck deductions.
Pre-tax deductions can reduce taxable wages before income tax is calculated. A 401(k), HSA, or FSA may lower federal and state taxable income, but some deductions do not reduce Social Security or Medicare wages.
Post-tax deductions are taken after payroll taxes are calculated. Examples may include Roth 401(k) contributions, certain insurance payments, wage garnishments, or after-tax benefits.
Yes. Missouri has a graduated individual income tax with a 2026 top rate of 4.7%. Lower wage levels are taxed at lower rates after deductions.
A single filer earning $75,000 in Missouri should expect roughly $2,800 to $3,400 of Missouri income tax for the year, depending on deductions and credits. This is an estimate and excludes federal tax, FICA, and local earnings taxes.
Kansas City and St. Louis impose a local earnings tax that can reduce take-home pay for affected residents or workers. This local tax is separate from Missouri state income tax.
Missouri has expanded retirement tax relief, and Social Security benefits are generally exempt under current rules. Other retirement income may qualify for deductions depending on income, age, and source.
Assumptions: Single filer · Standard deduction · Biweekly pay · No pre-tax deductions · Estimates paycheck withholding, not final tax liability · Source: state DOR + IRS Pub 15-T, 2026
Tax rates verified for 2026 tax year.
ExactTakeHome starts with gross pay, applies your pay frequency, subtracts eligible pre-tax deductions (401k, HSA, FSA) from federal taxable wages, calculates federal income tax withholding using IRS Publication 15-T percentage method tables, applies Social Security (6.2% up to $184,500 wage base) and Medicare (1.45%) taxes on gross wages, then applies Missouri state income tax using the 2026 withholding tables from the Missouri Department of Revenue. Local tax is applied where available (NYC, Philadelphia, Columbus OH). Final take-home is an estimate of paycheck withholding, not your final tax return liability.
Calculate your Missouri take-home pay after federal withholding, FICA, state taxes, local taxes, and pre-tax deductions.
Pre-tax deductions like 401(k), HSA, and health insurance premiums reduce your taxable wages before federal income tax is calculated. This means you pay less tax on every paycheck — not just defer the money.
Why take-home increases: A 6% 401(k) contribution on $75,000 reduces taxable wages by $4,500, cutting both federal income tax and Missouri state income tax on that amount. Social Security and Medicare still apply to the original gross wages.
Pay frequency changes your paycheck size, not your annual salary. Withholding tables annualise each paycheck, so weekly and monthly results may differ slightly from biweekly.
Based on $75,000 annual salary, single filing status, no pre-tax deductions, Missouri withholding. Use the calculator above for your exact filing status and deductions.
Missouri's distinctive paycheck issue is local earnings tax in places such as Kansas City and St. Louis. Cross-border workers with Kansas or Illinois should also pay attention to work location and resident-state credits.
Some Missouri cities impose an earnings tax that can appear on paychecks. It is separate from Missouri state income tax.
Missouri uses a progressive state income tax system. State withholding can change as taxable income and payroll assumptions change.
Quick answer: $100,000 after taxes in Missouri (2026)
Estimated take-home pay: $75,410/year ($6,284/month · $2,900/biweekly). Effective tax rate: 24.6%.
Missouri paychecks start with federal income tax withholding using IRS Publication 15-T, which applies the wage bracket or percentage method based on Form W-4, payroll frequency, and taxable wages.
FICA is separate: Social Security is withheld at 6.2% on employee wages up to $184,500 for 2026, while Medicare is withheld at 1.45% on all covered wages.
Employers must also withhold the 0.9% Additional Medicare Tax when wages paid to an employee exceed $200,000 in the calendar year. Missouri state income tax withholding uses a graduated formula with rates from 0.00% to 4.70% after the applicable standard deduction, per Missouri's 2026 withholding formula. Missouri also has local earnings taxes in two major cities: St.
Louis collects a 1% earnings tax from residents and employees working in the city, and Kansas City imposes a 1% earnings tax on earned income for those who live or work there. Both city taxes are supported in this calculator's city selector for Missouri.
Estimates assume standard 2026 withholding, single filing status, and no pre-tax deductions; actual paycheck may differ.
| Tax | 2026 Rate | Wage Cap | Source |
|---|---|---|---|
| Federal Income Tax | 10%–37% (percentage-method withholding) | No wage cap | IRS Pub. 15-T |
| Social Security | 6.2% employee withholding | $184,500 | SSA 2026 |
| Medicare | 1.45% employee withholding | No wage cap | IRS Pub. 15 |
| Additional Medicare Surtax | 0.9% on wages over $200,000 | No wage cap | IRS Topic 560 |
| Missouri State Income Tax | 0.00%–4.70% graduated withholding formula | No wage cap | MO DOR 2026 Formula |
| St. Louis Earnings Tax | 1% where applicable | No wage cap | City of St. Louis |
| Kansas City Earnings Tax | 1% where applicable | No wage cap | City of Kansas City |
Local taxes in some cities change your take-home pay beyond the state rate.
Compare two salary offers in different states
Compare Missouri take-home with other states:
The Missouri paycheck calculator computes your exact take-home pay for 2026.
For a $75,000 salary, a single filer in Missouri takes home $58,993 per year ($2,269 per biweekly paycheck) after federal and state taxes.
Example Calculation — $75,000 Salary
$75,000 salary in Missouri
$58,993/year
$2,269 per biweekly paycheck
21.3% effective tax rate| Federal income tax | -$7,670 |
| Social Security (6.2%) | -$4,650 |
| Medicare (1.45%) | -$1,088 |
| Missouri state tax | -$2,600 |
Assumptions: Single filer · Biweekly · No 401(k) · Standard W-4 · Customize below ↓
Missouri taxes wages on a graduated scale, with 2026 rates ranging from 2% to 4.7%. For a single filer earning $100,000, the effective Missouri state income tax rate is approximately 3.77%, and the annual take-home pay is approximately $75,410 after all taxes.
Use the calculator above to enter your exact salary, filing status, and pre-tax deductions for a precise Missouri take-home pay estimate.
Missouri uses a progressive income tax system, so state withholding changes as taxable income increases. Workers in certain cities can also see local earnings tax withholding.
ExactTakeHome tax data is sourced from official government publications and verified against primary sources. Last verified: .