Tax Year 2026Updated July 22, 2026

Mississippi Paycheck Calculator 2026

Q: What taxes are deducted from my Mississippi paycheck?

Your Mississippi paycheck has deductions for federal income tax (10%-37%), FICA (Social Security + Medicare), and Mississippi state income tax using graduated brackets (2 brackets).

Q: How do Mississippi's income tax brackets work?

Mississippi uses a graduated (progressive) income tax with 2 brackets. Each bracket applies only to income within that range, not your entire income. For example, if you earn enough to reach the third bracket, only the income above the second bracket's threshold is taxed at the third bracket's rate.

Q: What tax bracket am I in for Mississippi?

Your Mississippi bracket depends on your taxable income (after deductions) and filing status. The calculator above shows your effective state tax rate, which is usually lower than your marginal bracket rate because lower portions of your income are taxed at lower rates.

Q: Does Mississippi tax groceries?

Yes. Mississippi charges a 5.00% tax on groceries, which is lower than the general sales tax rate. While this does not directly affect your paycheck withholding, it does affect your overall cost of living in Mississippi.

Q: Is my pension or retirement income taxed in Mississippi?

No. Mississippi fully exempts pension and retirement income from state income tax. Social Security benefits are also not taxed. This makes Mississippi a favorable state for retirees from an income tax perspective.

Q: Does Mississippi conform to the OBBBA overtime and tips deductions?

Mississippi has not yet confirmed whether it will conform to the federal OBBBA deductions for overtime pay and tip income. Until the state legislature or tax authority acts, these deductions reduce only your federal taxable income. Your Mississippi state income tax on those wages remains unchanged.

This calculator estimates your take-home pay as a Mississippi worker after federal income tax, FICA, and Mississippi's 2-bracket graduated income tax (rates from 0.00% to 4.00%). Enter your salary, pay frequency, and filing status below.

Mississippi Income Tax Brackets 2026

The rates below apply to taxable income after subtracting Mississippi's standard deduction of $2,300 (single) or $4,600 (MFJ).

Taxable Income	Rate
$0 - $10,000	0.00%
Over $10,000	4.00%

Source: Mississippi Tax Authority

The state sales tax is 7.00% (7.00% combined average with local additions), a relatively low combined rate. Groceries are taxed at a reduced 5.00% rate. Retirees benefit from full exemption of pension income.

How Your Mississippi Paycheck Is Calculated

Gross pay: Your annual salary divided by the number of pay periods.
Federal income tax: 2026 progressive brackets (10%-37%) after the federal standard deduction of $16,100 (single) or $32,200 (MFJ).
Social Security: 6.2% on wages up to $184,500.
Medicare: 1.45% on all wages, plus 0.9% above $200,000 (single).
Mississippi state income tax: 2-bracket progressive system (0.00% to 4.00%).

Mississippi Standard Deduction

Mississippi's standard deduction for 2026 is $2,300 for single filers and $4,600 for married filing jointly. This is subtracted from gross income before Mississippi's tax brackets are applied. Note: the state deduction is separate from and much smaller than the federal standard deduction of $16,100.

Grocery Tax in Mississippi

Mississippi charges a 5.00% tax on groceries, which is lower than the general sales tax rate of 7.00%. While this does not affect paycheck withholding, it is a notable cost-of-living factor for Mississippi residents. Most states exempt groceries from sales tax entirely.

Retirement Income in Mississippi

Mississippi fully exempts pension and retirement income from state income tax. Social Security benefits are also not taxed. This makes Mississippi favorable for retirees from an income tax perspective.

Worked Examples

Example 1: $85,000/year - Married Filing Jointly, Semi-monthly

Profile: $85,000 annual salary, Married Filing Jointly filer, paid semimonthly (24 paychecks/year)

Gross per period: $3,541.67
Federal income tax: -$243.33
Social Security: -$219.58
Medicare: -$51.35
Mississippi state income tax: -$117.33
Net take-home pay: $2,910.08 per paycheck ($69,842/year)
Effective total tax rate: 17.83%

Example 2: $55,000/year - Single, Biweekly

Profile: $55,000 annual salary, Single filer, paid biweekly (26 paychecks/year)

Gross per period: $2,115.38
Federal income tax: -$170.00
Social Security: -$131.15
Medicare: -$30.67
Mississippi state income tax: -$65.69
Net take-home pay: $1,717.87 per paycheck ($44,665/year)
Effective total tax rate: 18.79%

Example 3: $95,000/year - Head of Household, Monthly

Profile: $95,000 annual salary, Head of Household filer, paid monthly (12 paychecks/year)

Gross per period: $7,916.67
Federal income tax: -$707.33
Social Security: -$490.83
Medicare: -$114.79
Mississippi state income tax: -$275.67
Net take-home pay: $6,328.05 per paycheck ($75,937/year)
Effective total tax rate: 20.07%

Mississippi Tax Notes

Graduated brackets: 2 brackets from 0.00% to 4.00%.
Supplemental withholding rate: 4.00% for bonuses and supplemental wages.
Grocery tax: 5.00% on groceries (below the general sales tax rate).
Sales tax: 7.00% state rate, 7.00% combined average with local taxes.

Mississippi has a uniform statewide sales tax rate of 7% with no local sales tax add-ons. There is no local income tax. Mississippi is one of the simplest state tax systems in the nation in terms of local tax complexity.

OBBBA Conformity

Mississippi has not confirmed conformity with the federal OBBBA deductions for overtime and tips. Until the state legislature or tax authority acts, these deductions apply only on the federal return. Mississippi state income tax on those wages remains unchanged.

Frequently Asked Questions

What taxes are deducted from my Mississippi paycheck?

Your Mississippi paycheck has deductions for federal income tax (10%-37%), FICA (Social Security + Medicare), and Mississippi state income tax using graduated brackets (2 brackets).

How accurate is this paycheck calculator?

This calculator estimates take-home pay using 2026 federal and Mississippi state tax rates. It models federal income tax, FICA, and state income tax. It does not include pre-tax deductions (401(k), HSA, health insurance premiums), post-tax deductions, or state-specific payroll taxes (disability insurance, paid leave). Your actual paycheck may differ.

How do Mississippi's income tax brackets work?

Mississippi uses a graduated (progressive) income tax with 2 brackets. Each bracket applies only to income within that range, not your entire income. For example, if you earn enough to reach the third bracket, only the income above the second bracket's threshold is taxed at the third bracket's rate.

What tax bracket am I in for Mississippi?

Your Mississippi bracket depends on your taxable income (after deductions) and filing status. The calculator above shows your effective state tax rate, which is usually lower than your marginal bracket rate because lower portions of your income are taxed at lower rates.

Does Mississippi tax groceries?

Yes. Mississippi charges a 5.00% tax on groceries, which is lower than the general sales tax rate. While this does not directly affect your paycheck withholding, it does affect your overall cost of living in Mississippi.

Is my pension or retirement income taxed in Mississippi?

No. Mississippi fully exempts pension and retirement income from state income tax. Social Security benefits are also not taxed. This makes Mississippi a favorable state for retirees from an income tax perspective.

How are bonuses and supplemental wages taxed in Mississippi?

Mississippi withholds state tax on bonuses, commissions, and other supplemental wages at a flat rate of 4.00%. This may differ from your regular withholding rate. At the federal level, supplemental wages are typically withheld at a flat 22% (or 37% above $1 million).

Does Mississippi conform to the OBBBA overtime and tips deductions?

Mississippi has not yet confirmed whether it will conform to the federal OBBBA deductions for overtime pay and tip income. Until the state legislature or tax authority acts, these deductions reduce only your federal taxable income. Your Mississippi state income tax on those wages remains unchanged.