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Mississippi Take-Home Pay Calculator: 4% Flat Tax (2026)

Mississippi's income tax fell to 4% for 2026 and is scheduled to reach 3% by 2030 — with the first $10,000 of income untaxed. All retirement income is exempt. Estimate your 2026 take-home pay after federal tax, FICA, and Mississippi tax below.

Enter your details

$

Net annual pay

$75,672

Net monthly pay

$6,306

Net biweekly pay

$2,910

Tax breakdown

CategoryAmount% of income
Federal Income Tax$13,17013.2%
Social Security$6,2006.2%
Medicare$1,4501.5%
State Income Tax$3,5083.5%
Total tax$24,32824.3%

Effective tax rate: 24.3%. Marginal federal rate: 22.0%. Marginal state rate: 4.0% in Mississippi.

Where your money goes

Estimates for informational purposes only — not tax advice. Excludes pre-tax contributions, credits, and local income taxes.

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See how Mississippi's take-home pay ranks against another state.

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Example: take-home pay on common salaries in Mississippi

Single filer, 2026 standard deduction, no pre-tax contributions or credits. Computed by the same engine as the calculator above.

Gross salary Federal tax FICA Mississippi tax Net annual pay Effective rate
$75,000 $7,670 $5,738 $2,508 $59,085 21.2%
$100,000 $13,170 $7,650 $3,508 $75,672 24.3%

How Mississippi taxes your income in 2026

Mississippi charges 0% on the first $10,000 of taxable income and a flat 4% on everything above it. The 2025 tax law (HB 1) set a glide path from 4.4% to 4% in 2026, then 3.75%, 3.5%, 3.25%, and finally 3% by 2030. The standard deduction is modest — $2,300 for single filers and $4,600 for joint filers — but the $10,000 zero bracket shields far more income for most workers.

All retirement income is exempt

Mississippi is one of the most retirement-friendly states: Social Security, pensions, and IRA/401(k) distributions are all fully exempt from state income tax. Mississippi cities levy no local income taxes. The 2025 law also began cutting the state's 7% grocery tax — the highest state-level tax on food in the country — down toward 5%.

What this calculator includes (and excludes)

This estimate covers federal income tax, FICA, and Mississippi tax using the 2026 rate (4% above the $10,000 zero bracket) and standard deduction. It does not model retirement-income exemptions, itemized deductions, or credits. Figures are estimates for planning purposes, not tax advice.

Frequently asked questions

What is the Mississippi income tax rate in 2026? ▼
4% on taxable income above $10,000 (the first $10,000 is exempt). Under HB 1, the rate steps down to 3.75% in 2027, 3.5% in 2028, 3.25% in 2029, and 3% in 2030.
Does Mississippi have local income taxes? ▼
No. Mississippi municipalities and counties do not impose income taxes. Only federal, FICA, and state tax reduce a Mississippi paycheck.
Does Mississippi tax Social Security or retirement income? ▼
No — all retirement income is exempt: Social Security, pensions, 401(k) and IRA distributions. It's one of the most retirement-friendly tax codes in the country.
How much is $75,000 after taxes in Mississippi? ▼
A single filer earning $75,000 pays roughly $2,508 in Mississippi income tax and takes home about $59,085 per year after federal tax, FICA, and state tax, based on this calculator's 2026 estimates. See the example table above for details.
Is Mississippi eliminating its income tax? ▼
Not fully, but it's moving that way. The 2025 law schedules the rate down to 3% by 2030. Lawmakers debated full elimination; further cuts beyond 3% would require new legislation.

Data sources

Reviewed by the PayFigi research team. Last verified: 2026-07-27. These figures are estimates for informational purposes only and are not tax advice; consult a tax professional for advice specific to your situation.