Payroll & Tax

Missouri Paycheck Calculator 2025-26

Updated June 2026
2025-26 MO & Federal rates
Reviewed by a CPA
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Missouri's 4.7% Top Rate and Why Your Federal Tax Deduction Shrinks the State Bill

Missouri taxes income using progressive brackets from 1.5% to 4.7%, but the key difference from other states is that Missouri allows you to deduct your federal income taxes paid from your Missouri taxable income. This is unusual. Only a handful of states permit it. At $60,000, the federal income tax is roughly $5,210. Missouri subtracts that $5,210 from your income before applying state brackets, reducing your Missouri taxable base to about $52,690 (after the $2,100 personal exemption). The state tax on that base is approximately $2,333. Without the federal deduction, it would be closer to $2,682.

MO Taxable = Gross - Pre-tax Deductions - Federal Tax Paid - Personal Exemption ($2,100)
MO State Tax = Apply brackets up to 4.7% on MO Taxable

For contractors who pay self-employment tax in addition to state income tax, the self-employment tax calculator shows your combined SE and state obligations before you enter gross income above.

Missouri Paycheck Deductions: State Tax, FICA, and the Federal Tax Offset

Missouri employers withhold four main items: federal income tax, Missouri state income tax (using a withholding table that approximates the federal deduction method), Social Security (6.2% up to $176,100), and Medicare (1.45%). Missouri has no SDI and no payroll surcharge on employees. The federal tax deduction is handled in annual MO filing (Form MO-1040), not always precisely in payroll withholding. Your employer withholds an estimate, and you reconcile the exact deduction at filing.

Pre-tax 401(k) and health insurance premiums reduce your federal taxable income and your Missouri taxable income. Because Missouri starts from gross wages before applying both the pre-tax deduction and the federal tax deduction, a larger 401(k) contribution reduces MO tax in two ways: it lowers the pre-tax base and it lowers the federal tax you deduct. Workers with self-employment income should review the self-employment tax calculator since SE tax affects the federal deduction calculation.

A $60,000 Missouri Salary After All Deductions: Annual and Monthly Take-Home

At $60,000, a single Missouri filer keeps about $47,867 after all state and federal taxes, or $3,989 per month. Missouri's federal tax deduction keeps the state bill to $2,333 on this salary. Without that deduction, the state tax would climb to roughly $2,682.

Annual SalaryFederal TaxMO State TaxSocial SecurityMedicareAnnual Take-HomeMonthly Take-Home
$50,000$4,010$1,919$3,100$725$40,246$3,354
$60,000$5,210$2,333$3,720$870$47,867$3,989
$75,000$8,202$2,897$4,650$1,088$58,163$4,847
$100,000$13,703$3,813$6,200$1,450$74,834$6,236
$125,000$19,344$4,691$7,750$1,813$91,402$7,617

Single filers. MO tax uses 4.7% top bracket with federal income tax deduction and $2,100 personal exemption. Federal brackets and $14,600 standard deduction. MO figures are approximate since the federal deduction is reconciled at annual filing. Highlighted row is the $60,000 reference.

Missouri vs Kansas: After-Tax Income at Common Salary Levels

Kansas has a top rate of 5.7% on income above $15,000 for single filers. Missouri's federal tax deduction gives it a structural advantage that grows with income. At $60,000, a Missouri worker takes home about $537 more per year than a Kansas worker at the same salary. That gap widens at higher incomes. See also the Illinois paycheck calculator for cross-Midwest context: Missouri beats Illinois by an even wider margin thanks to the federal deduction.

SalaryMO Take-HomeKS Take-HomeMO vs KS
$50,000$40,246$39,800+$446/yr
$60,000$47,867$47,330+$537/yr
$75,000$58,163$57,120+$1,043/yr
$100,000$74,834$73,020+$1,814/yr

KS figures approximate using KS 2025 brackets (3.1% / 5.25% / 5.7%). MO figures include federal tax deduction.

Missouri Reduced Its Top Rate to 4.7% in 2024: The Path From 6% to 4.7%

Missouri's top income tax rate has been cut repeatedly since 2018. The rate was 5.9% in 2019, then reduced incrementally to 5.4% (2021), 5.3% (2022), 5.0% (2023), and 4.95% (mid-2023) before landing at 4.7% in 2024. Each cut required that the prior year's general revenue met a threshold. Missouri law allows further cuts to 4.5% if revenue conditions are met. At $100,000, the drop from 5.9% to 4.7% (before the federal tax deduction effect) saves approximately $690 per year.

For workers calculating overtime pay affected by these rates, the time and a half calculator shows gross overtime before taxes so you can enter the amount above and see the Missouri tax impact on extra earnings.

Frequently Asked Questions

Missouri uses progressive brackets from 1.5% to 4.7%. The 4.7% top rate applies to income above $8,449 after Missouri adjustments. Missouri's key distinguishing feature is that you can deduct your federal income taxes paid from your Missouri taxable income before applying the brackets. For most wage earners, the effective Missouri state tax rate works out to 3.5% to 4.2% of gross wages, depending on income level. At $75,000, Missouri state tax is approximately $2,897.

More Payroll Calculators

Missouri Tax Rates 2025
TaxRate
Missouri State Tax1.5%-4.7% (brackets)
Top Bracket Threshold$8,449+
Federal Tax DeductionAllowed on MO return
Personal Exemption$2,100 single
Social Security6.20%
Medicare1.45%
SS Wage Base 2025$176,100
Pro Tip

Missouri's federal tax deduction is most valuable at higher incomes where federal tax is substantial. If you make a large deductible IRA contribution or have business losses in a given year that reduce your federal tax, your Missouri tax goes up that year because you are deducting less from your MO taxable income. Plan ahead if your federal deductions vary significantly year to year.

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