What is Mississippi's income tax rate in 2026?

Mississippi uses a flat 4.40% state income tax rate in 2026, as the state continues its planned phase-down of the rate over coming years toward an eventual lower target.

How is Mississippi take-home pay calculated?

Take-home equals gross minus federal income tax (2026 progressive brackets), Mississippi's 4.40% flat state tax, Social Security (6.2% up to the $176,100 wage base) and Medicare (1.45%). The federal standard deduction is $15,750 single or $31,500 married filing jointly.

Does Mississippi tax retirement income?

Mississippi generally exempts qualified retirement income from state tax, but this calculator models wage income, where the 4.40% flat rate applies to taxable salary after the standard deduction.

Is this calculator exact?

It is a close estimate. It applies the headline 2026 federal brackets, the standard deduction, Mississippi's 4.40% flat rate and FICA, but excludes 401(k) contributions, itemized deductions, credits and other adjustments.

Mississippi Take-Home Pay Calculator

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Mississippi take-home pay calculator

Estimate your Mississippi net pay after taxes. Mississippi applies a single flat 4.40% state income tax rate in 2026, part of a multi-year phase-down. This tool combines it with the 2026 federal income-tax brackets and FICA to show your real monthly and annual take-home pay.

How it works

The calculator subtracts four things from your gross salary. Federal income tax is charged on gross − standard deduction ($15,750 single, $31,500 married filing jointly) using the 2026 progressive brackets, so only the slice of income inside each band is taxed at that band’s rate. Mississippi state tax is a flat 4.40% applied to income after the same standard deduction. FICA adds Social Security at 6.2% up to the $176,100 wage base, plus Medicare at 1.45% on all wages. Net pay is gross minus all four.

Example

A single Mississippi worker earning $75,000: taxable income is $75,000 − $15,750 = $59,250. Federal tax across the 10%, 12% and 22% bands is about $7,747. Mississippi state tax is 4.40% of $59,250 = $2,607. Social Security is $4,650 and Medicare is $1,088. Total tax is roughly $16,092, leaving take-home pay near $58,909 a year, about $4,909/month, an effective rate of about 21.5%.

Notes

Estimate only — not financial or tax advice. Figures use 2026 IRS federal brackets, the federal standard deduction, the Mississippi Department of Revenue’s 4.40% flat rate and 2026 FICA limits. Pre-tax retirement contributions, itemized deductions, credits and other adjustments are not modelled. All math runs in your browser.