United States · Missouri · Tax year 2026
Missouri Paycheck & Income Tax Calculator
Missouri's eight bands are so narrow that the top rate starts at $9,436. Type your salary to see what that leaves — and check whether the Kansas City or St. Louis earnings tax applies to you.
Take-home per paycheck · 2026
$2,269.42
Paid every two weeks · $59,005 a year
You keep 79% of your gross pay. Missouri itself takes 3.5%.
This is your 2026 tax for the whole year, spread evenly across 26 paychecks and rounded to the cent. A real payslip can differ slightly from one paycheck to the next: employers withhold using tables that approximate the year's tax rather than match it, and stop taking a contribution once your wages for the year pass its cap.
- Federal income tax$295.00
- MO income tax$99.52
- FICA$220.68
- Take-home$2,269.42
| Deduction | Rate | Per paycheckPer year | Per year |
|---|---|---|---|
| Gross payAnnual salary ÷ 26 | $2,884.62$75,000.00 | $75,000.00 | |
| Federal | |||
| Federal income taxAfter the $16,100 standard deduction | −$295.00−$7,670.00 | −$7,670.00 | |
| Social SecurityCapped at $184,500 of wages | 6.20% | −$178.85−$4,650.00 | −$4,650.00 |
| Medicare | 1.45% | −$41.83−$1,087.50 | −$1,087.50 |
| Missouri | |||
| MO income taxAfter the $16,100 standard deduction | −$99.52−$2,587.67 | −$2,587.67 | |
| Total tax | −$615.20−$15,995.17 | −$15,995.17 | |
| Net pay | $2,269.42$59,004.83 | $59,004.83 | |
Per paycheck, each line is its annual amount ÷ 26, rounded to the nearest cent — except MO income tax, rounded the other way so the column adds up to the total.
What this means
On a salary of $75,000 you keep $59,005 — about 79% of what you earn. The remaining $15,995 is split across four separate deductions.
The largest is federal income tax at $7,670, roughly 48% of your total tax bill. Missouri's own income tax takes $2,588, which is less than the $5,738 taken for Social Security and Medicare.
Your next dollar of income would be taxed at 26.7% once federal and state are combined, while the rate you actually pay across the whole salary is 21.3%. That gap is why a raise never feels as large as the headline rate suggests — and why the effective rate, not the bracket you land in, is the number worth comparing between states.
Show the working, band by band
Every figure above is computed from published 2026 rates for the whole year, then divided across 26 paychecks.
Federal — on $58,900 taxable income
| Band | Rate | Taxed here | Tax |
|---|---|---|---|
| $0 – $12,400 | 10% | $12,400 | $1,240.00 |
| $12,400 – $50,400 | 12% | $38,000 | $4,560.00 |
| $50,400 – $105,700 | 22% | $8,500 | $1,870.00 |
Missouri — on $58,900 taxable income
| Band | Rate | Taxed here | Tax |
|---|---|---|---|
| $0 – $1,348 | 0% | $1,348 | $0.00 |
| $1,348 – $2,696 | 2% | $1,348 | $26.96 |
| $2,696 – $4,044 | 2.5% | $1,348 | $33.70 |
| $4,044 – $5,392 | 3% | $1,348 | $40.44 |
| $5,392 – $6,740 | 3.5% | $1,348 | $47.18 |
| $6,740 – $8,088 | 4% | $1,348 | $53.92 |
| $8,088 – $9,436 | 4.5% | $1,348 | $60.66 |
| $9,436 and above | 4.7% | $49,464 | $2,324.81 |
Missouri tax at a glance, 2026
- State income tax
- 0% – 4.7%
- Top rate starts at $9,436
- Standard deduction
- Federal
- $16,100 single for 2026
- Earnings tax
- 1%
- Kansas City and St. Louis only
- Capital gains
- Fully subtracted
- 100%, unique among taxing states
How Missouri income tax works
Missouri has eight bands, which sounds elaborate until you see where they sit. The whole graduated part of the schedule is squeezed into the first $9,436 of taxable income, in steps of $1,348:
- nothing on the first $1,348
- then 2%, 2.5%, 3%, 3.5%, 4% and 4.5%, one step each
- then 4.70% on everything above $9,436
Missouri uses the federal standard deduction, so a single filer shelters $16,100 for 2026 before any of that applies — which already exceeds the entire graduated range.
On $75,000 that leaves $58,900 of Missouri taxable income and about $2,588 in state tax, an effective state rate of roughly 3.5%.
In practice Missouri behaves as a flat 4.7% with a small fixed discount. Charging 4.7% on the whole $58,900 would come to $2,768.30; the seven lower bands together save exactly $180.63, and that figure barely moves however much you earn. Virginia and Oklahoma work the same way for the same reason — a graduated schedule whose top rate begins below a full-time wage.
One more thing to note: Missouri applies the same table to every filing status. Unlike most states it does not widen the bands for couples.
| Taxable income | Rate |
|---|---|
| $0 – $1,348 | 0% |
| $1,348 – $2,696 | 2% |
| $2,696 – $4,044 | 2.5% |
| $4,044 – $5,392 | 3% |
| $5,392 – $6,740 | 3.5% |
| $6,740 – $8,088 | 4% |
| $8,088 – $9,436 | 4.5% |
| $9,436 and above | 4.7% |
Which figures actually apply to 2026
Missouri is the one state on this site where the department’s own page could not be taken at face value, so here is exactly what was done.
The Department of Revenue’s Year Changes page is headed “2025 Individual Income Tax Year Changes” and then states that the figures are “effective for the tax year beginning January 1, 2026, and will be reflected on the 2025 Missouri Individual Income Tax Returns”. Those cannot both be true. The table under that heading gives bracket steps of $1,313 and a standard deduction of $15,750.
The 2026 Withholding Formula, a separate departmental publication, gives bracket steps of $1,348 and a worked example that subtracts an “Annual Standard Deduction” of $16,100.
$15,750 is the 2025 federal standard deduction; $16,100 is the 2026 one. The web page is showing 2025 amounts under a confusing heading, and the withholding formula is showing 2026. This page uses the 2026 figures.
The difference is not large but it is real: the wider bands and the larger deduction together take about $23 off a $75,000 filer’s bill. Anything quoting Missouri at $1,313 steps or a $15,750 deduction is a year behind.
The Kansas City and St. Louis earnings tax
This is the biggest thing the figures on this page do not include, and for a substantial share of Missourians it is larger than several of the state’s own bands combined.
Kansas City and St. Louis each levy a 1% earnings tax. No other Missouri jurisdiction does, and there is no statewide equivalent, which is why it cannot sensibly be built into a single set of numbers.
Two rules make it reach further than people expect:
- Residents pay on all their earnings, even if they work outside the city entirely. Living in Kansas City and commuting to Overland Park does not avoid it.
- Non-residents pay on income earned inside the city. Living in a suburb and commuting in does not avoid it either.
On a $75,000 salary that is $750 a year — close to a third as much again on top of the $2,588 of state income tax, and more than the entire seven-band discount the state schedule gives you.
If you live or work in either city, add 1% of your earnings to every figure on this page. If you do not, the figures are complete as shown.
Take-home pay at every salary in Missouri
After federal tax, Missouri state tax and FICA. The Kansas City and St. Louis earnings tax is not included, for the reason above — add 1% if it applies to you.
| Gross salary | Total tax | Take-home (single) | Effective rate | Take-home (married) |
|---|---|---|---|---|
| $30,000 | −$4,188 | $25,812 | 14.0% | $27,705 |
| $40,000 | −$6,623 | $33,377 | 16.6% | $35,969 |
| $50,000 | −$9,058 | $40,942 | 18.1% | $43,739 |
| $60,000 | −$11,493 | $48,507 | 19.2% | $51,444 |
| $75,000 | −$15,995 | $59,005 | 21.3% | $62,792 |
| $85,000 | −$19,430 | $65,570 | 22.9% | $70,357 |
| $100,000 | −$24,583 | $75,417 | 24.6% | $81,704 |
| $125,000 | −$33,234 | $91,766 | 26.6% | $100,617 |
| $150,000 | −$42,322 | $107,678 | 28.2% | $117,829 |
| $200,000 | −$59,536 | $140,464 | 29.8% | $151,615 |
| $250,000 | −$77,631 | $172,369 | 31.1% | $187,412 |
What lands in your account each payday
On $75,000 a year in Missouri, filing single, split across the pay schedules employers actually use.
| Pay schedule | Gross | Net |
|---|---|---|
| Every week | $1,442 | $1,135 |
| Every two weeks | $2,885 | $2,269 |
| Twice a month | $3,125 | $2,459 |
| Every month | $6,250 | $4,917 |
Capital gains are subtracted in full
Missouri did something in 2025 that no other state which taxes income has done.
From January 1, 2025, Missouri subtracts 100% of the income reported as capital gains for federal purposes from Missouri adjusted gross income. Not a lower rate, not a partial exclusion — the whole amount comes out.
The distinction matters when comparing states. Montana taxes long-term gains on a separate and lower schedule, and Maryland adds a 2% surtax on gains above $350,000 of AGI, but both still tax them. Missouri now does not tax them at all, while continuing to tax wages at up to 4.7%.
The practical effect is a sharp divergence between how Missouri treats earned and investment income. Someone living on capital gains pays no Missouri income tax on them; someone earning the same amount in salary pays the full schedule. For anyone weighing where to hold appreciated assets, or where to retire with a portfolio, that is a larger factor than the headline rate.
The calculator above models wage income, so the subtraction does not arise in these figures.
Dates that matter for the 2026 tax year
Missouri returns (Form MO-1040) are due April 15, 2027, matching the federal deadline, with an extension available to October 15, 2027. As with a federal extension, that covers filing rather than payment.
Estimated payments, if required, fall quarterly in April, June, September and the following January. The Kansas City and St. Louis earnings taxes are administered by those cities, not by the state, and are filed separately.
Questions people ask
- What is the Missouri income tax rate for 2026?
- Eight bands topping out at 4.70%. The first $1,348 of Missouri taxable income is untaxed, then rates of 2%, 2.5%, 3%, 3.5%, 4% and 4.5% apply in $1,348 steps, and 4.70% applies to everything above $9,436. The same table is used for every filing status.
- What can I deduct in Missouri?
- Missouri uses the federal standard deduction, so $16,100 for a single filer in 2026 and $32,200 filing jointly. There is no separate Missouri deduction to claim and no personal exemption.
- Why do some sources say Missouri's deduction is $15,750?
- Because that is the 2025 federal amount. Missouri's own Year Changes page still shows $15,750 and the 2025 bracket thresholds, but its 2026 Withholding Formula subtracts $16,100 and uses the wider 2026 bands. This page follows the 2026 figures.
- Do Missouri's brackets widen for married couples?
- No. Missouri applies one rate table to every filing status, so the $9,436 point where the top rate begins is the same whether you file singly or jointly.
- Does any Missouri city charge a local income tax?
- Yes, two. Kansas City and St. Louis each levy a 1% earnings tax. It applies to residents on all their earnings even if they work outside the city, and to non-residents on income earned inside it. On a $75,000 salary that is $750 a year, and it is not included in the figures on this page.
- Does Missouri tax capital gains?
- Not since January 1, 2025. Missouri subtracts 100% of income reported as capital gains for federal purposes from Missouri adjusted gross income, which no other state that taxes income does. This calculator models wage income, so the subtraction does not arise.
- Are Missouri payroll deductions taken from my paycheck?
- Not by the state. Missouri unemployment insurance is employer-funded and the state runs no disability or paid family leave program. Beyond state income tax and any city earnings tax, the only deductions are federal.
- 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.
Where these figures come from
Every Missouri number on this page was read from the documents below — the state's own, not a summary of them. Nothing here is estimated. If a figure looks wrong, the source is one click away, and we would rather you checked.
- Withholding Formulador.mo.gov
The 2026 rate bands and standard deduction, with the department's own worked example.
- Year-to-year changes in Missouri income taxdor.mo.gov
The rate reduction schedule and which top rate applies for the year.
- Unemployment Insurance Taxlabor.mo.gov
That no part of the unemployment tax an employer owes can be deducted from a worker's pay.
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