Quick answer
Missouri paycheck basics
Missouri taxes wages on a graduated scale, but the scale is short: after a 0% band on the first $1,348 of taxable income, the rates step up by half a point roughly every $1,350 and reach the 4.7% top rate at $9,436. Every dollar of taxable income above $9,436 is taxed at 4.7%, so for a typical salary Missouri withholding behaves much like a flat tax after the standard deduction, which matches the federal amounts of $16,100 single and $32,200 for a married couple with one earner.
Two Missouri cities add a tax of their own. Kansas City and St. Louis each charge a 1% earnings tax on residents, wherever they work, and on anyone who works inside the city limits. Missouri has no state disability or paid leave payroll deduction, so those two city taxes are the main local difference between Missouri paychecks. This calculator applies the Department of Revenue's 2026 withholding formula and either city's earnings tax to estimate your take-home pay.
How Missouri taxes your paycheck
Missouri employers use the 2026 Missouri Withholding Tax Formula in the Department of Revenue's Employer's Tax Guide (Form 4282). Your wages for the pay period are multiplied by the number of pay periods in the year, the standard deduction for the filing status on your MO W-4 is subtracted, and the result runs through the annual withholding table: 0% on the first $1,348, then 2%, 2.5%, 3%, 3.5%, 4% and 4.5% on each further $1,348, and 4.7% on everything over $9,436. The annual amount is divided back by the number of pay periods and rounded to the nearest whole dollar. The standard deduction is $16,100 for single filers, married filing separately and married people whose spouse works, $24,150 for heads of household, and $32,200 for married people whose spouse does not work. Missouri follows the federal definition of taxable wages, so 401(k) deferrals, cafeteria plan premiums and HSA contributions reduce state wages. A bonus paid with regular wages goes through the same formula; paid separately, it may be withheld at a flat 4.7%.
| Taxable income | Rate |
|---|---|
| $0 β $1,348 | 0.00% |
| $1,348 β $2,696 | 2.00% |
| $2,696 β $4,044 | 2.50% |
| $4,044 β $5,392 | 3.00% |
| $5,392 β $6,740 | 3.50% |
| $6,740 β $8,088 | 4.00% |
| $8,088 β $9,436 | 4.50% |
| Over $9,436 | 4.70% |
| Taxable income | Rate |
|---|---|
| $0 β $1,348 | 0.00% |
| $1,348 β $2,696 | 2.00% |
| $2,696 β $4,044 | 2.50% |
| $4,044 β $5,392 | 3.00% |
| $5,392 β $6,740 | 3.50% |
| $6,740 β $8,088 | 4.00% |
| $8,088 β $9,436 | 4.50% |
| Over $9,436 | 4.70% |
Missouri local income taxes
Kansas City and the City of St. Louis are the only Missouri cities in this calculator with an earnings tax, and both charge 1%. The tax applies to residents on all of their wages, wherever they work, and to nonresidents on the pay they earn for work inside the city, so a suburban commuter who works downtown pays it too. Employers located in the city withhold it from each paycheck. Both cities tax earnings much like federal Box 1 wages: 401(k) and other qualified deferred compensation contributions and cafeteria plan premiums are not taxed. Kansas City nonresidents who work some days outside the city can claim a refund for those days on Form RD-109NR. The Kansas City tax belongs to Kansas City, Missouri; living or working only in Kansas City, Kansas does not bring you under it.
| Jurisdiction | Rate | Applies to | Source |
|---|---|---|---|
| Kansas City earnings tax | 1.000% | Residents and workers | Source |
| St. Louis City earnings tax | 1.000% | Residents and workers | Source |
Worked example
A $60,000 salary in Missouri, single, paid biweekly
- Annual salary:
- $60,000
- Filing status:
- Single
- Pay frequency:
- Biweekly (26 paychecks/year)
- Deductions:
- None
- State:
- Missouri
- Salary: +$2,307.69
- Federal income tax: β$193.08
- Social Security: β$143.08
- Medicare: β$33.46
- Missouri income tax: β$72.00
Net pay per paycheck: $1,866.07
Computed with Missouri's default withholding certificate (no allowances, no extra withholding) and no pre-tax or post-tax deductions. Your own paycheck will differ with different elections.
Take-home pay by salary in Missouri
Net pay at five common salaries, biweekly, with no bonus, tips or deductions β computed the same way as the worked example above, for Single and Married Filing Jointly.
| Annual salary | Single β per paycheck | Single β annual | MFJ β per paycheck | MFJ β annual |
|---|---|---|---|---|
| $40,000 | $1,284.00 | $33,384.00 | $1,354.77 | $35,224.02 |
| $60,000 | $1,866.07 | $48,517.82 | $1,949.92 | $50,697.92 |
| $80,000 | $2,395.22 | $62,275.72 | $2,530.99 | $65,805.74 |
| $100,000 | $2,900.38 | $75,409.88 | $3,113.07 | $80,939.82 |
| $150,000 | $4,141.58 | $107,681.08 | $4,502.89 | $117,075.14 |
How to use this calculator
- Enter your pay. Choose salary or hourly, fill in the amount and hours, and pick how often you are paid.
- Fill in your federal Form W-4. Filing status, the Step 2 checkbox, and Steps 3 and 4 if they apply to you.
- Fill in your MO W-4. The calculator only shows the fields Missouri actually asks for.
- Pick your local tax jurisdiction, if one applies to where you live or work.
- Add any deductions. Traditional or Roth 401(k), health premiums, HSA, FSA, or other pre-tax and post-tax amounts taken from your pay.
- Read your results. Net pay per paycheck, the full breakdown by category, and any warnings about your specific numbers.
Formulas used
Net pay = gross pay β pre-tax deductions β federal tax β FICA β Missouri income tax β state payroll programs β local tax β post-tax deductions.
Missouri vs. neighboring states
Net pay on a $75,000 salary, single, paid biweekly, in Missouri compared with its bordering states.
| State | Net pay per paycheck | Net pay annual | Difference vs. Missouri (annual) |
|---|---|---|---|
| Missouri | $2,268.94 | $58,992.44 | β |
| Illinois | $2,226.15 | $57,879.90 | β$1,112.54 |
| Tennessee | $2,368.94 | $61,592.44 | +$2,600.00 |
| Arkansas | $2,276.29 | $59,183.54 | +$191.10 |
| Oklahoma | $2,257.94 | $58,706.44 | β$286.00 |
| Kansas | $2,219.06 | $57,695.56 | β$1,296.88 |
| Nebraska | $2,257.19 | $58,686.94 | β$305.50 |
Frequently asked questions
How is federal income tax withheld from my paycheck calculated?+
Employers use the IRS Publication 15-T percentage method with the elections on your Form W-4: filing status, whether Step 2 is checked, Step 3 credits, and any Step 4 adjustments. That produces an amount to withhold each pay period before Social Security, Medicare, and any state or local tax are applied.
What is FICA and why is it withheld on every paycheck?+
FICA is Social Security tax (6.2% of wages up to the annual Social Security wage base) plus Medicare tax (1.45% of all wages, with an extra 0.9% on wages above $200,000 in a year). Both are withheld on every US paycheck regardless of which state you work in, because they fund federal programs rather than a state one.
Is the result on this calculator the same as my actual paycheck?+
It is an estimate for planning, not a substitute for your pay stub. Your actual withholding depends on the exact elections on file with your employer, your specific pay dates, and any mid-year changes to your deductions β the calculator applies the published federal and state formulas to the numbers you enter.
What are the Missouri income tax rates for 2026?+
The withholding table taxes the first $1,348 of taxable income at 0%, then 2%, 2.5%, 3%, 3.5%, 4% and 4.5% on each further $1,348, and 4.7% on income above $9,436. Because the brackets are so narrow, a single filer earning more than about $35,000 a year pays 4.7% on most of their taxable income.
How is Missouri withholding calculated?+
Your employer annualizes your pay (for example, biweekly pay Γ 26), subtracts the standard deduction for the filing status on your MO W-4, applies the annual rate table, divides by the number of paychecks and rounds to the nearest dollar. Any additional amount you requested on line 2 of the MO W-4 is added.
What is the Kansas City earnings tax?+
A 1% tax on earned income. It applies to everyone who lives in Kansas City, Missouri, on all their wages wherever they work, and to nonresidents on the income they earn for work done inside the city limits. Your employer withholds it if you work in Kansas City. Contributions to cafeteria plans and qualified deferred compensation plans such as 401(k)s are not taxed.
Who pays the St. Louis earnings tax?+
Residents of the City of St. Louis, regardless of where their employer is, and employees who work for businesses located or performing work in the city, regardless of where they live. The rate is 1%. People who neither live nor work inside the city limits, for example those who live and work in St. Louis County, do not pay it.
What is the Missouri standard deduction for 2026?+
For withholding, $16,100 for single filers, married filing separately and married people whose spouse works; $24,150 for heads of household; and $32,200 for married people whose spouse does not work, which you indicate with the check box on MO W-4 line 1.
How are bonuses taxed in Missouri?+
If the bonus is included with your regular wages, your employer runs the total through the normal withholding formula. If it's paid separately, the employer may withhold a flat 4.7% of the bonus for Missouri, or add it to the most recent regular pay and withhold the difference. Federally, bonuses are usually withheld at 22%.
Can I have less Missouri tax withheld?+
Yes. If you expect a refund because of itemized deductions, credits or other adjustments, line 3 of the MO W-4 lets you tell your employer to withhold only a smaller amount. You can also claim exemption if you had no Missouri tax liability last year and expect none this year, but that must be renewed each year.
Does Missouri tax 401(k) contributions?+
No. Missouri uses the federal definition of taxable wages, so traditional 401(k), 403(b) and 457 deferrals, cafeteria plan health premiums and HSA contributions lower your Missouri taxable wages. They also lower the Kansas City and St. Louis earnings tax.
What is the minimum wage in Missouri in 2026?+
$15.00 an hour in 2026, according to the U.S. Department of Labor's table of state minimum wages.
Sources
- Missouri Department of Revenue β Employer's Tax Guide, Form 4282 (Revised 03-2026)
- Wayback Machine copy of Form 4282 (captured 2026-08-08)
- City of Kansas City, Missouri β Tax FAQs (earnings tax)
- City of St. Louis Collector of Revenue β Earnings Tax
- City of St. Louis Collector of Revenue β Taxable and Non-Taxable Items
- U.S. Department of Labor β State Minimum Wage Laws (Missouri)
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods
- IRS Publication 15 (2026), Employer's Tax Guide
- Social Security Administration β 2026 COLA Fact Sheet