Mississippi Paycheck Calculator (2026)
Last updated: 2026-10-07 · Mississippi figures checked against official sources on 2026-10-07
Mississippi withholds a flat 4% over $10,000 state income tax in 2026 using its own formula and your Form 89-350, Mississippi Employee's Withholding Exemption Certificate. On a $50,000 salary paid every two weeks, a single employee keeps about $1,580.05 per check: $146.92 federal, $147.11 Social Security and Medicare, $49.00 Mississippi income tax come out of $1,923.08.
Year-to-date, employer size and gross-up
For the $184,500 wage base and the $200,000 Additional Medicare threshold.
Sets state paid-leave shares (e.g. DE, CO, ME).
Enter a take-home amount to solve for gross pay.
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Paycheck breakdown · 2026 · Mississippi
| Item | This check | Year |
|---|---|---|
| Salary | $1,923.08 | $50,000 |
| Gross pay | $1,923.08 | $50,000 |
| − Federal income tax | −$146.92 | −$3,820 |
| − Social Security (6.2%) | −$119.23 | −$3,100 |
| − Medicare (1.45%) | −$27.88 | −$725 |
| − Mississippi income taxState formula | −$49.00 | −$1,274 |
| Net pay | $1,580.05 | $41,081 |
How federal withholding was figured (Pub. 15-T Worksheet 1A)
| 1a | Taxable wages this pay period | $1,923.08 |
| 1b | Pay periods per year | 26 |
| 1c | Annualized wages | $50,000.08 |
| 1d | Step 4(a) other income | $0.00 |
| 1f | Step 4(b) deductions | $0.00 |
| 1g | Standard adjustment ($12,900 MFJ / $8,600 other) | $8,600.00 |
| 2a | Adjusted Annual Wage Amount | $41,400.08 |
| 2b–2d | Row: at least $19,900 → $1,240.00 + 12% of the excess (standard single schedule) | |
| 2g | Annual tentative withholding | $3,820.01 |
| 2h | ÷ pay periods | $146.92 |
| 3b | Step 3 credits per period | −$0.00 |
| 4a | Extra withholding (Step 4(c)) | $0.00 |
| 4b | Federal income tax to withhold | $146.92 |
How Mississippi withholding was figured
Mississippi 2026 computer payroll formula
| Annualized state wages ($1,923.08 × 26) | $50,000.08 |
| Exemptions $6,000.00 + standard deduction $2,300.00 | −$8,300.00 |
| 4% over $10,000 | $1,268.00 |
| Annual withholding ÷ 26 pay periods (rounded to the dollar, as the guide requires) | $49.00 |
What the employer pays on top
| Social Security match (6.2%) | $119.23 |
| Medicare match (1.45%) | $27.88 |
| FUTA (0.6% of the first $7,000) | $11.54 |
| Federal employer taxes this check | $158.65 |
Plus state unemployment, paid-leave employer shares and workers' comp — payroll cost calculator has every state's 2026 rates.
Mississippi take-home pay examples (2026)
Paid biweekly, 2026 W-4 with only the filing status, no pre-tax deductions or local tax; Mississippi certificate — single: 89-350 status: Single; 89-350 exemption amount ($): 6000; married: 89-350 status: Married, one spouse employed; 89-350 exemption amount ($): 12000. Computed with the same engine as the calculator.
| Salary · filing status | Gross / check | Federal | Soc. Sec. + Medicare | Mississippi tax | Net / check | Net / year |
|---|---|---|---|---|---|---|
| $50,000 · single | $1,923.08 | $146.92 | $147.11 | $49.00 | $1,580.05 | $41,081 |
| $50,000 · married, one income | $1,923.08 | $68.46 | $147.11 | $36.00 | $1,671.51 | $43,459 |
| $100,000 · single | $3,846.15 | $506.54 | $294.23 | $126.00 | $2,919.38 | $75,904 |
| $100,000 · married, one income | $3,846.15 | $293.85 | $294.23 | $113.00 | $3,145.07 | $81,772 |
Mississippi income tax rates for 2026
2026: Rate on taxable income over $10,000 cut from 4.4% (2025) to 4.0% for 2026 under HB 1 (2025 Regular Session, 'As Sent to Governor'), which also schedules 3.75% (2027), 3.5% (2028), 3.25% (2029) and 3.0% (2030+). Exemptions, standard deduction and the $10,000 zero band unchanged. DOR's computer-payroll flowchart and Pub 89-700 tables for 2026 use 4.0%.
All filing statuses
| Taxable income | Rate |
|---|---|
| $0 – $10,000 | 0% |
| Over $10,000 | 4% |
- Standard deduction
- $2,300 single · $4,600 married jointly · $3,400 head of household
- Personal exemption
- $6,000 / $1,500 per dependent deduction
Credits, phase-outs and other Mississippi rules
- Tax year 2026: 0% on the first $10,000 of taxable income, 4.0% on the excess (Miss. Code 27-7-5 as amended by HB 1, 2025 Regular Session; DOR Pub 89-700). Scheduled: 3.75% 2027, 3.5% 2028, 3.25% 2029, 3.0% 2030+ (with further revenue-triggered cuts possible from 2031).
- MARRIED FILING JOINTLY: tax is computed separately for each spouse (Form 80-105 Columns A and B) - 'the first $10,000 of each taxpayer's taxable income is exempt'. A two-earner couple therefore gets two $10,000 zero bands; exemptions/deductions may be divided between the columns. The mfj bracket above is per spouse.
- Exemptions: single $6,000; married (joint) $12,000 (divisible between spouses in any manner); head of family $8,000 (withholding certificate shows $9,500 = $8,000 + $1,500 because the qualifying dependent's $1,500 is built in); $1,500 per dependent; $1,500 additional for age 65+ and for blindness (taxpayer/spouse). MFS: exemptions divided equally.
- Standard deduction: single $2,300; married (joint/combined) $4,600; head of family $3,400; married filing separately $2,300 each.
All 51 jurisdictions side by side: 2026 state income tax rates.
How Mississippi withholding works
Annualize pay (AGP = period pay x periods: 1/12/24/26/52/260), taxable income TI = AGP - (exemption dollars from 89-350 line 6 + standard deduction: Single $2,300, Head of Family $3,400, Married one spouse employed $4,600, Married both spouses employed $2,300), annual tax = 4.0% x (TI - $10,000) if TI > $10,000 else $0; withholding = annual tax / periods, rounded to whole dollars, plus any additional amount agreed to.
Other deductions from a Mississippi paycheck
Mississippi has no employee-paid state disability, paid-leave or unemployment premium in 2026, so after income taxes the only required deductions are Social Security (6.2% up to $184,500) and Medicare (1.45%, plus 0.9% above $200,000).
Local income taxes in Mississippi
No local income taxes on wages in Mississippi.
Mississippi paycheck FAQ
How much is $50,000 a year after taxes in Mississippi?
About $41,081 a year — $1,580.05 per biweekly paycheck — for a single filer with a basic 2026 W-4 and no pre-tax deductions: $146.92 federal income tax, $147.11 Social Security and Medicare, $49.00 Mississippi income tax per check. A married couple filing jointly on one $50,000 income keeps about $43,459 ($1,671.51 per check).
How much is $100,000 a year after taxes in Mississippi?
About $75,904 for a single filer ($2,919.38 per biweekly check) and $81,772 for a married couple with one income ($3,145.07 per check); Mississippi income tax takes $3,276 and $2,938 of that respectively. Add 401(k), health or HSA deductions in the calculator to see your exact number.
What is the Mississippi income tax rate for 2026?
A single rate of 4% over $10,000, after a standard deduction of $2,300 single / $4,600 joint and a personal exemption ($6,000 / $1,500 per dependent deduction). Rate on taxable income over $10,000 cut from 4.4% (2025) to 4.0% for 2026 under HB 1 (2025 Regular Session, 'As Sent to Governor'), which also schedules 3.75% (2027), 3.5% (2028), 3.25% (2029) and 3.0% (2030+).
Which form controls Mississippi withholding?
Your Form 89-350, Mississippi Employee's Withholding Exemption Certificate (dollar amount of exemption claimed); no certificate = zero exemption. Employers apply Mississippi DOR 'Computer Payroll Accounting - For Periods In 2026' flowchart (revised 8/13/25) and Pub 89-700 Withholding Income Tax Tables and Employer Instructions (rev. 07/25, revised 1/13/2026). Changing your federal W-4 does not change your Mississippi withholding.
Are there local income taxes in Mississippi?
No local income taxes on wages in Mississippi.
What else comes out of a Mississippi paycheck besides income tax?
Only Social Security (6.2% of wages up to $184,500) and Medicare (1.45%, plus 0.9% over $200,000) — Mississippi has no employee-paid state disability, paid-leave or unemployment premium in 2026 — and any benefits you elect.
Does Mississippi tax 401(k) contributions or health premiums?
Mississippi follows the federal treatment for wage withholding: traditional 401(k)/403(b)/457(b) deferrals and cafeteria-plan items (health premiums, HSA, FSA) reduce the wages Mississippi taxes.
More for Mississippi employers and employees
Official Sources
Figures checked against these sources on 2026-10-07- Mississippi DOR Pub 89-700 Withholding Income Tax Tables and Employer Instructions (2026 rates, exemptions, std deductions)
- Mississippi DOR Computer Payroll Accounting - For Periods In 2026 (flowchart)
- Mississippi HB 1 (2025 Regular Session) as sent to Governor - rate schedule 2024-2030
- Mississippi DOR Individual Income Tax FAQs (first $10,000 of each spouse's taxable income exempt)
- Mississippi Form 89-350 Employee's Withholding Exemption Certificate
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — federal withholding
- IRS Publication 15 (2026), Employer's Tax Guide — FICA
Paycheck calculators for other states
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Estimates only, not tax or payroll advice. Check results against your pay stub.