Missouri Paycheck Calculator: Calculate Your Take-Home Pay
A $75,000 salary in Missouri leaves approximately ~$59,004 after federal tax, state tax, and FICA (Federal Insurance Contributions Act). That is roughly ~$2,269 per biweekly paycheck. Missouri uses a progressive income tax with eight brackets and rates from 0% to 4.7%, meaning your effective rate depends on income level. Use this missouri paycheck calculator to see what reaches your bank account. The paycheck calculator above handles all three deduction layers automatically.
Quick version: On a $75,000 Missouri salary (single filer), you pay approximately $7,670 in federal tax, ~$2,588 in Missouri state tax, and $5,738 in FICA. Your estimated take-home is ~$59,004 per year, or about ~$2,269 per biweekly paycheck. Most Missouri residents pay no local income tax, so the state layer is typically the only state-level deduction on your paycheck.
This calculator provides estimates for educational purposes, not tax advice. Consult a tax professional for your specific situation.
Paycheck Calculator
See your take-home pay after federal taxes, state taxes, FICA, and deductions. Select your state below. Adjust any value and results update in real time.
How to Use This Calculator
Enter your gross annual salary, select your pay frequency and filing status. The calculator applies 2026 federal brackets, Missouri’s progressive state brackets, and FICA automatically. Since most Missouri residents pay no local income tax, the calculator result represents your complete take-home pay. If you work in Kansas City or St. Louis, a local earnings tax of 1% may apply on top of these figures.
If you contribute to a 401(k) pre-tax, enter that amount to reduce both your federal and Missouri taxable income. A $500/month contribution on $75,000 saves roughly $1,400 in combined federal and state tax per year.
Understanding Your Missouri Paycheck
Your Missouri paycheck has three deduction layers: federal income tax, Missouri state income tax, and FICA. Missouri’s eight progressive brackets mean your effective state rate is lower than the top marginal rate of 4.7% because only income within each bracket is taxed at that bracket’s rate.
Here is the approximate breakdown for a $75,000 annual salary (single filer):
| Deduction | Annual | Biweekly |
|---|---|---|
| Gross pay | $75,000 | $2,885 |
| Federal income tax | $7,670 | $295 |
| Missouri state tax (~3.5% eff.) | ~$2,588 | ~$100 |
| Social Security (6.2%) | $4,650 | $179 |
| Medicare (1.45%) | $1,088 | $42 |
| Take-home pay | ~$59,004 | ~$2,269 |
Missouri consolidated from 10 brackets to 8 brackets in 2023, and the top rate has declined steadily: from 4.95% in 2023 to 4.80% in 2024 to 4.70% starting in 2025. For workers earning between $40,000 and $100,000, the effective Missouri rate falls between 3.3% and 3.8%. This is where most people get confused — they see the 4.7% top rate and assume it applies to their entire income.
Starting in 2025, Missouri also eliminated state income tax on capital gains for individual filers under HB 594, signed by Governor Mike Kehoe on July 10, 2025. Missouri is the first income-taxing state to fully exempt capital gains from state tax. If you have investment income, only your wage and salary income is subject to Missouri’s progressive brackets. Federal capital gains tax still applies.
Missouri Income Tax Brackets 2026
Missouri uses a progressive system with eight brackets and a top rate of 4.7%. The first $1,348 of taxable income (after the standard deduction) is taxed at 0%. Your effective state rate on $75,000 is approximately 3.5%.
| Bracket | Missouri Taxable Income | Rate |
|---|---|---|
| 1 | $0 – $1,348 | 0.0% |
| 2 | $1,348 – $2,696 | 2.0% |
| 3 | $2,696 – $4,044 | 2.5% |
| 4 | $4,044 – $5,392 | 3.0% |
| 5 | $5,392 – $6,740 | 3.5% |
| 6 | $6,740 – $8,088 | 4.0% |
| 7 | $8,088 – $9,436 | 4.5% |
| 8 | $9,436 and over | 4.7% |
Source: 2026 Missouri Withholding Tax Formula, Missouri Department of Revenue.
The progressive structure means each additional dollar is taxed at the marginal rate of the bracket it falls into, not the top rate. A $10,000 raise does not push all your income into a higher bracket — only the new $10,000 is taxed at the higher rate.
Missouri uses the federal standard deduction as its own standard deduction for withholding purposes: $16,100 for single filers, $32,200 for married filers whose spouse does not work, and $24,150 for head of household. Your Missouri taxable income for payroll withholding equals your gross wages minus the standard deduction.
Missouri is one of a small number of states that still allows taxpayers to deduct a portion of the federal income tax they paid when filing their annual state return (Form MO-1040). This deduction does not appear in the payroll withholding formula — the MO DOR withholding formula calculates state withholding using only the standard deduction — so your actual state tax liability when you file may be slightly lower than what was withheld from your paychecks. If you overpaid through withholding, you would receive a Missouri state refund.
From a payroll perspective, Missouri’s structure is straightforward for employers to implement because the Missouri Department of Revenue publishes a withholding formula that maps directly to pay frequency and filing status. When overtime or bonuses are paid separately from regular wages, employers may withhold at a flat 4.7% supplemental rate.
Federal Tax Brackets 2026
The Internal Revenue Service (IRS) applies federal income tax identically in every state. The 2026 brackets reflect the permanent extension of TCJA rates under the One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025. The seven-rate structure (10%, 12%, 22%, 24%, 32%, 35%, 37%) is now permanent, with annual inflation adjustments. The OBBBA provided an additional 4% inflation adjustment to the bottom two brackets (10% and 12%) for 2026, slightly wider than the standard 2.3% adjustment applied to the higher brackets.
On $75,000 (single filer):
- Subtract the standard deduction: $75,000 − $16,100 = $58,900 taxable income
- Apply each bracket:
| Bracket | Taxable Range | Tax |
|---|---|---|
| 10% | $0 – $12,400 | $1,240 |
| 12% | $12,400 – $50,400 | $4,560 |
| 22% | $50,400 – $58,900 | $1,870 |
| Total federal | $7,670 |
Source: IRS Rev. Proc. 2025-32.
Your effective federal rate is 10.2% of gross income. Combined with Missouri’s ~3.5% effective state rate, your total income tax burden before FICA is approximately 13.7%. Add FICA at 7.65% and the grand total is roughly 21.3%, leaving ~78.7% as take-home.
FICA: Social Security and Medicare
FICA deductions are the same in every state.
Social Security: 6.2% on earnings up to $184,500 (the 2026 wage base per the Social Security Administration). On $75,000: $4,650.
Medicare: 1.45% on all earnings, plus a 0.9% Additional Medicare Tax above $200,000 for single filers ($250,000 for married filing jointly). On $75,000: $1,088.
Total FICA: $5,738 per year, or $221 per biweekly paycheck.
Your employer matches these amounts. Once wages exceed $184,500, Social Security withholding stops and late-year paychecks increase. For Missouri residents earning under $100,000, FICA often rivals or exceeds the state tax deduction, meaning federal payroll policy affects your net pay as much as state rates do.
For higher earners, the Social Security cap creates a noticeable paycheck bump in the second half of the year. Combined with Missouri’s progressive brackets, high-income residents face a shifting tax picture as they move through federal and state thresholds throughout the calendar year.
How Missouri Compares to Neighboring States
Comparing take-home pay at the $75,000 level across Missouri and its neighbors reveals that effective rates matter more than headline top rates. Missouri’s 4.7% top rate translates to roughly 3.5% effective on $75,000, which is competitive with its neighbors. Kansas uses a two-bracket progressive system (5.20%–5.58%), Illinois levies a flat 4.95%, and Iowa charges a flat 3.80%. Each produces a different effective burden at this income level.
The real-world difference between Missouri and its nearest neighbors is often $50–$250 per month on a $75,000 salary. That adds up to $600–$3,000 per year, which is meaningful for savings or debt payoff. For border-area workers who can choose which state to live in, the tax difference is one of the most tangible financial factors available.
For workers considering a move, income tax is one piece of the financial picture. Missouri’s elimination of state capital gains tax is a significant advantage for residents with investment income, unique among income-taxing states. Housing costs, salary levels by profession, and sales tax rates differ significantly across the region. Use the salary calculator to compare what your profession pays across states.
FAQ
What percent is taken out of a paycheck in Missouri?
Federal income tax (10%–37% marginal), Missouri state tax (0%–4.7%), Social Security (6.2%), and Medicare (1.45%). Most Missouri residents pay no local income tax. On $75,000, the combined effective rate is approximately 21.3%.
Does Missouri have local income tax?
Most Missouri residents do not pay local income tax. However, Kansas City and St. Louis each levy an earnings tax of 1% on wages earned within city limits. If you work in either city, this adds roughly $750 per year on a $75,000 salary. No other Missouri jurisdiction currently levies a broad local income tax. The St. Louis earnings tax comes up for voter renewal periodically — the next renewal vote is scheduled for April 2026.
How much is $75,000 after taxes in Missouri?
Approximately ~$59,004 per year or ~$2,269 biweekly (single filer, no local tax). If you work in Kansas City or St. Louis, subtract an additional ~$750 per year for the local earnings tax.
How much is $50,000 after taxes in Missouri?
On $50,000 (single): federal tax ~$3,820, Missouri state tax ~$1,413, FICA $3,825. Take-home approximately ~$40,942 per year or ~$1,574 biweekly.
How much is $100,000 after taxes in Missouri?
On $100,000 (single): federal tax ~$13,170, Missouri state tax ~$3,763, FICA $7,650. Take-home approximately ~$75,417 per year or ~$2,901 biweekly.
Is overtime taxed at a higher rate in Missouri?
No. Missouri’s progressive brackets apply to total annual income regardless of source. Overtime does not trigger a separate rate. Your employer may withhold at a flat 4.7% on overtime paychecks paid separately from regular wages (per the MO DOR withholding formula), but the correct amount applies when you file your return.
What is the effective tax rate vs the marginal rate?
Your marginal rate is the bracket applied to your last dollar of income. Your effective rate is total state tax divided by total income. On $75,000 in Missouri, the effective state rate is approximately 3.5%, well below the 4.7% top marginal rate because the first $1,348 of taxable income is tax-free and lower brackets apply to income below $9,436.
Does Missouri tax capital gains?
No. Effective January 1, 2025, Missouri eliminated state income tax on capital gains for individual filers under HB 594, signed by Governor Mike Kehoe on July 10, 2025. Missouri is the first income-taxing state to fully exempt capital gains. Only your wage and salary income is subject to Missouri’s progressive brackets. Federal capital gains tax still applies.
Can I deduct federal income tax paid on my Missouri return?
Yes. Missouri remains one of a small number of states that allows taxpayers to deduct a portion of the federal income tax they paid from their state taxable income on Form MO-1040. This deduction is not factored into payroll withholding, so your annual state tax liability may be lower than what was withheld — resulting in a state refund.
Should I update my W-4 after moving to Missouri?
If you moved from a state with a different tax structure, check your federal withholding using the IRS Withholding Estimator. You will also need to file a Missouri Form MO W-4 with your employer, which uses your filing status to determine the correct standard deduction for state withholding. Getting both forms right prevents owing money or waiting for a large refund at filing time.
How does a 401(k) affect my Missouri paycheck?
A 401(k) contribution reduces both your federal and Missouri taxable income. The savings depend on your marginal rate in both systems. On $75,000 with a $500/month 401(k), you save roughly $1,300–$1,600 per year in combined federal and state tax. Multiply your contribution by your combined marginal rate (22% federal + 4.7% Missouri = 26.7%) for a close estimate.
Sources
- IRS Tax Inflation Adjustments for Tax Year 2026 (Rev. Proc. 2025-32)
- Social Security Contribution and Benefit Base 2026 — $184,500
- 2026 Missouri Withholding Tax Formula — Missouri Department of Revenue
- State Individual Income Tax Rates and Brackets, 2026 — Tax Foundation
- 2026 Tax Brackets and Federal Income Tax Rates — Tax Foundation
- Missouri HB 594 — Capital Gains Tax Exemption (signed July 10, 2025)
Whether you are comparing job offers or verifying your paycheck stub, this missouri paycheck calculator gives you the complete federal, state, and FICA breakdown. For all 50 states, visit the paycheck calculator hub.
This calculator provides estimates for educational purposes, not tax advice. Consult a tax professional for your specific situation.
This calculator provides estimates for informational purposes only. Actual amounts may vary based on additional deductions, local taxes, and employer-specific withholdings. Consult your HR department or a licensed tax professional for exact figures.