Mississippi paycheck calculator 2026
Mississippi taxes wages at a flat 4.0% above the first $10,000 of annual taxable income, which is tax-free.
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Federal tax on a bonus paid on its own check is a flat 22% (37% above $1M of bonuses in the year). Your W-4 doesn't change it.
Per paycheck. Calculating from gross pay → other amounts
No state income tax on wages here.
More W-4, deductions and employer settings
- Standard deduction $16,100 single, $32,200 married jointly, $24,150 head of household
- Social Security 6.2% up to $184,500 · Medicare 1.45% (+0.9% over $200,000)
- FUTA 0.6% on the first $7,000 · bonus withholding 22%
- 401(k) limit $24,500 ($32,500 at 50+, $35,750 at 60–63)
Paycheck breakdown
Employer taxes (on top of gross pay)
Where the employer's money goes
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Mississippi payroll taxes and rules for 2026
Mississippi taxes wages at a flat 4.0% above the first $10,000 of annual taxable income, which is tax-free. Employers subtract a standard deduction by marital status plus the exemption amount the employee wrote on Form 89-350, then apply the rate to anything over $10,000.
- Income tax
- 4.0% over the first $10,000 · Employee form: Form 89-350
- The first $10,000 of annual taxable income is taxed at 0%; only the amount above that is taxed at 4.0%.
- Standard deduction by Form 89-350 marital code: Single/Both-spouses-employed $2,300, Head of Family $3,400, Married-one-spouse-employed $4,600.
- Employers subtract the exemption the employee claims on Form 89-350, Line 6: $6,000 single, $12,000 married (spouses who both work split it), $9,500 head of family, plus $1,500 per dependent and for age 65+ or blindness. With no form on file, the exemption is $0.
- Section 125 cafeteria-plan contributions and traditional 401(k)/403(b) deferrals both reduce Mississippi taxable wages.
- Employer taxes
- State Unemployment Insurance (SUI): 1.0% new-employer rate (first year) on the first $14,000 of wages New-employer rate steps up to 1.1% in year two and 1.2% in year three before experience rating applies.
- Local taxes
- No Mississippi city or county levies a local income tax.
- Bonuses
- Mississippi has no separate published flat rate for bonuses, add the bonus to the regular wages for the pay period and withhold on the combined total using the normal formula.
- Minimum wage 2026
- $7.25/hour Mississippi has no state minimum wage law; it follows the federal minimum.
- Pay frequency
- Mississippi law doesn't set a required pay frequency for private employers generally; most employers pay at least semimonthly.
- Final paycheck
- Mississippi has no statute requiring a final paycheck faster than the next regular payday.
- New-hire reporting
- Within 15 days of the hire date, to the Mississippi Department of Human Services New Hire Reporting program.
- Reciprocity
- None, Mississippi has no income tax reciprocity agreements with other states.
Checked against official sources on October 5, 2026:
Take-home pay in Mississippi by salary
| Salary | Federal tax | FICA | Mississippi taxes | Take-home / year | Per paycheck | Employer cost |
|---|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $868 | $33,452 | $1,287 | $43,242 |
| $60,000 | $5,020 | $4,590 | $1,668 | $48,722 | $1,874 | $64,772 |
| $80,000 | $8,770 | $6,120 | $2,468 | $62,642 | $2,409 | $86,302 |
| $100,000 | $13,170 | $7,650 | $3,268 | $75,912 | $2,920 | $107,832 |
| $150,000 | $24,734 | $11,475 | $5,268 | $108,523 | $4,174 | $161,657 |
Single filer, paid every two weeks, 2026 W-4 with no adjustments, default Mississippi withholding settings, no 401(k) or benefits, new-employer unemployment rate. Mississippi taxes include state income tax and employee-paid state programs; local taxes are not included unless the default setting includes them.
How the federal part works, step by step: the 2026 paycheck guide · Minnesota · Missouri
Mississippi paycheck questions
Is the first $10,000 of Mississippi income really tax-free?
Yes, for withholding purposes, only taxable income above $10,000 a year is taxed, at a flat 4.0%.
What's the Mississippi standard deduction for withholding?
$2,300 for single filers or married couples where both spouses work, $3,400 for head of family, and $4,600 for married with one spouse employed.
Do 401(k) contributions reduce Mississippi withholding?
Yes. Both traditional 401(k)/403(b) deferrals and Section 125 cafeteria-plan deductions reduce Mississippi taxable wages.
What's the Mississippi SUI wage base for 2026?
$14,000 per employee, with new employers starting at 1.0% and stepping up over their first three years.
How much is $60,000 a year after taxes in Mississippi?
About $48,722 a year, or $1,874 every two weeks, for a single filer with no other W-4 adjustments in 2026. Federal income tax is $5,020, Social Security and Medicare $4,590, and Mississippi taxes and payroll deductions $1,668.
What does a $60,000 employee cost an employer in Mississippi?
$64,772 a year before benefits: the salary plus the 7.65% FICA match, federal unemployment (FUTA) and Mississippi unemployment insurance at the new-employer rate of 1% on the first $14,000.
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