Missouri Paycheck Calculator
Estimate your take-home pay in Missouri, where state income tax brackets top out at 4.7% for 2026 and gradually decline as the state hits revenue targets, and Kansas City and St. Louis residents also owe a distinctive 1% city earnings tax.
California payroll premiums
Mandatory deductions that aren't income tax. They come out of your paycheck whether or not California taxes income.
- CA SDI1.3% (no cap)
1.3% of all wages, with no cap since 2024.
Your Form W-4
Optional. Skip this and you'll get the withholding for a W-4 with nothing claimed on it. The form has had no "allowances" since 2020 — dependents are now a dollar credit in Step 3.
The dollar total from Step 3, not a number of people — typically $2,200 per qualifying child and $500 per other dependent.
Interest, dividends or retirement income with no withholding of its own.
Only deductions beyond the standard deduction, from the Step 4(b) worksheet.
An extra dollar amount held from each paycheck, on top of the tax above.
This calculator provides estimates for informational purposes only. Actual paycheck amounts may vary based on your employer, benefits, local taxes, filing status, and tax elections.
Federal withholding calculation updated September 2026 using IRS Publication 15-T (2026).
Your estimate will appear here
Enter your pay details and click calculate to see your estimated take-home pay, tax breakdown, and annual income.
A note on Kansas City and St. Louis earnings tax: Both cities charge a 1% earnings tax, and you can add it by picking the city in the calculator. It applies to residents and to nonresidents who work within city limits, so a suburban commuter working downtown owes it too. Anywhere else in Missouri, leave the city set to "Elsewhere in Missouri".
Quick Answer
Missouri's top state income tax bracket is 4.7% for 2026. This calculator estimates your take-home pay using a simplified 4.7% flat state rate, along with federal income tax, Social Security (6.2%), and Medicare (1.45%). It doesn't include the 1% city earnings tax that Kansas City and St. Louis residents and workers owe on top of the state rate.
How It Works: Formula & Variables
Net Pay = Gross Pay − Federal Tax − State Tax (≈4.7%) − Social Security − Medicare − Other Deductions
- Gross Pay
- Your total earnings before any deductions, hourly rate times hours, or annual salary divided by pay periods.
- Federal Tax
- Calculated using progressive tax brackets based on your filing status and taxable income.
- State Tax
- Estimated at an approximate 4.7% flat rate, Missouri's top bracket for 2026. Doesn't include the Kansas City or St. Louis earnings tax.
- Social Security
- 6.2% of gross pay, up to the annual wage base limit.
- Medicare
- 1.45% of gross pay, with no wage limit (plus 0.9% surtax above certain thresholds).
Worked Examples
Example 1: Hourly worker in Springfield, Missouri
Robin works 40 hours a week at $20 an hour. Gross weekly pay is $800. After federal income tax (around $54.08), Missouri state tax (≈4.7% of taxable income, or $23.05), Social Security (6.2%, or $49.60), and Medicare (1.45%, or $11.60), estimated take-home pay lands at about $661.67 a week, roughly 83% of gross pay. Springfield doesn't charge a city earnings tax, so this figure holds up without adjustment.
Example 2: Salaried employee in Kansas City
Taylor earns $66,000 a year, paid biweekly ($2,538.46 gross per paycheck), filing as Single, and works in downtown Kansas City. After federal tax, the approximate 4.7% Missouri state tax, Social Security, and Medicare, this calculator estimates take-home pay at roughly $2,033 per paycheck. Kansas City's 1% earnings tax would subtract about another $25 per paycheck on top of that.
Example 3: Married couple in St. Louis
Jordan and Casey file Married Filing Jointly with a combined salary of $108,000 a year, paid biweekly ($4,153.85 gross per paycheck), living within St. Louis city limits. After federal tax, Missouri's state tax, Social Security, and Medicare, estimated take-home pay comes out to roughly $3,368 per paycheck, about 81% of gross pay, before St. Louis's 1% earnings tax is factored in on top.
Key Concepts
A gradual rate cut tied to revenue: Missouri's top bracket has stepped down in recent years under a 2022 law that ties further cuts to state revenue growth, a mechanism similar to Georgia's approach rather than a fixed year-by-year schedule like Indiana's.
Two cities with their own earnings tax: Kansas City and St. Louis are unusual among Missouri municipalities for charging a 1% earnings tax on both residents and nonresident workers, a setup that resembles Ohio's widespread municipal tax system but is limited to just these two cities in Missouri.
Nonresidents commuting into the city owe it too: Someone who lives in a Kansas City or St. Louis suburb but commutes downtown for work still owes the 1% earnings tax on income earned within city limits, even without living there.
Most of the state has no local income tax at all: Outside Kansas City and St. Louis, cities like Springfield and Columbia rely on sales and property tax rather than a local income tax.
Useful for comparing job offers: If you're weighing a downtown Kansas City or St. Louis offer against one in the suburbs or a different Missouri city, run both through a paycheck calculator to account for the earnings tax difference.
Common Mistakes
Forgetting the Kansas City or St. Louis earnings tax: Anyone living or working in either city owes the 1% earnings tax, including commuters who live outside city limits but work downtown. Select the city in the calculator so it's counted.
Assuming the earnings tax applies statewide: It's specific to Kansas City and St. Louis. The rest of Missouri doesn't have anything similar.
Comparing gross salaries across states: A $65,000 offer in Missouri and a $65,000 offer in Kansas don't translate to the same take-home pay. Always compare net pay, not gross.
Ignoring pre-tax deductions: 401(k) contributions and health insurance premiums lower your taxable income before both federal and state tax apply, so leaving them out understates your real take-home pay.
Frequently Asked Questions
Missouri uses a bracket system topping out at 4.7% for 2026, reached under a revenue-triggered rate reduction law. This calculator applies a simplified 4.7% flat estimate rather than modeling all the brackets, which is close to the real number for most middle and higher earners since Missouri's top bracket starts at just over $9,400 of taxable income.
Yes. Both cities charge a 1% earnings tax on income earned by residents and by nonresidents who work within city limits, on top of the state income tax. It's one of the more unusual local tax setups nationally, since most Missouri cities don't have anything similar.
Yes, gradually. A 2022 law set up a schedule of rate cuts tied to state revenue growth, which already brought the top rate down from higher levels in recent years and dropped it to 4.7%. Further cuts depend on the state continuing to hit its revenue triggers, similar to the mechanism Georgia uses.
Federal income tax, Missouri's state income tax (up to 4.7% across several brackets), Social Security (6.2% up to the annual wage base), and Medicare (1.45%, plus 0.9% more for high earners). Add a 1% city earnings tax if you live or work in Kansas City or St. Louis.
No. The 1% earnings tax is specific to Kansas City and St. Louis. The rest of Missouri, including Springfield and Columbia, doesn't charge a local income tax on top of the state rate.
Yes, switch between the Hourly and Salary tabs and enter your wage or annual salary along with your pay frequency. The state is already set to Missouri.
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