Mississippi Paycheck & Income Tax Calculator

How Mississippi income tax works

Mississippi is generous at the bottom and simple above it. Three things come off before any tax is charged, and they stack:

• A standard deduction of $2,300 for a single filer, $4,600 filing jointly
• A personal exemption of $6,000 single, $12,000 jointly
• The first $10,000 of what remains, which is taxed at 0%

A single filer on $75,000 therefore subtracts $8,300, leaving $66,700, of which the first $10,000 is untaxed. The 4% applies to the remaining $56,700 — about $2,268 for the year, an effective state rate of roughly 3%.

For lower earners the effect is larger still. A single filer on $18,000 pays no Mississippi income tax at all, because the deduction, exemption and untaxed band together cover it.

The rate is being phased out

Mississippi is not simply cutting its income tax — it has legislated a path toward removing it entirely, and 2026 is one step along that path.

Beyond 2030, further reductions and eventual full elimination are possible if specified revenue triggers are met. If that path completes, Mississippi joins the group of states with no income tax at all.

The practical consequence for anyone planning is that Mississippi’s tax position improves every year on a published schedule, which is unusual — most states cut when revenue allows rather than on a fixed timetable. It also means published figures go stale fast: anything quoting 5% is describing 2022 or earlier.

Take-home pay at every salary in Mississippi

After federal tax, the 4% state tax on income above the untaxed band, and FICA. There is no local income tax anywhere in Mississippi, so these figures hold statewide — Jackson, Gulfport, Southaven and Hattiesburg alike.

What lands in your account each payday

On $75,000 a year in Mississippi, filing single, split across the pay schedules employers actually use.

Retirement income is not taxed at all

Mississippi’s treatment of retirees is among the most generous in the country, and it is more complete than most states that advertise the same thing.

Qualifying retirement income is fully exempt — pensions, 401(k) and IRA distributions, and Social Security. Unlike Georgia, where the exclusion is age-banded, or Michigan, where it is being phased back in, Mississippi’s main exemption carries no age threshold and no income cap on the qualifying income itself.

Combined with a rate already down to 4% and heading to 3%, that makes Mississippi competitive with the no-income-tax states for anyone living on retirement income, while still levying enough on wages to fund services without Texas-scale property taxes.

The counterweight is the sales tax, at 7% on most purchases including groceries — one of very few states that taxes food at the full rate.

The calculator above models wage income and does not apply the retirement exemption, so an actual retiree’s Mississippi liability will usually be nil.

Dates that matter for the 2026 tax year

Mississippi returns (Form 80-105) are due April 15, 2027, matching the federal deadline. Estimated payments, if required, fall quarterly in April, June, September and the following January. The rate on this page applies to income earned between January 1 and December 31, 2026.

Questions people ask

What is the Mississippi income tax rate for 2026?

A flat 4% on taxable income above $10,000, reduced from 4.4% in 2025. The first $10,000 of taxable income is not taxed at all.

Is Mississippi getting rid of its income tax?

That is the legislated direction. The rate falls to 3.75% in 2027, 3.5% in 2028, 3.25% in 2029 and 3% in 2030. Further reductions and eventual full elimination are possible if specified revenue triggers are met.

What can I deduct in Mississippi?

Both a standard deduction and a personal exemption, which stack. For a single filer that is $2,300 plus $6,000, so $8,300 before the untaxed $10,000 band is even reached. For a married couple filing jointly it is $4,600 plus $12,000.

Does any Mississippi city charge a local income tax?

No. No Mississippi municipality levies an income tax, so where you live in the state does not change your income tax bill.

Does Mississippi tax retirement income?

No. Mississippi fully exempts qualifying retirement income — pensions, 401(k) and IRA distributions and Social Security are all untaxed at state level, with no age or income limits on the main exemption. It is among the most generous states for retirees. This calculator models wage income and does not apply it.

Is my data sent anywhere?

No. The calculation runs entirely in your browser. There is no account, and the salary you type is never sent to a server or stored. It never leaves your device.