Calculate your take-home pay in The Show-Me State. Missouri income tax rate: 4.7%.
Missouri has a progressive income tax with eight brackets. The top rate of 4.7% applies to taxable income over $8,449 (the brackets are narrow). Missouri conforms to the federal standard deduction. The state has local income taxes in Kansas City (1%) and St. Louis (1%).
| Item | Per Paycheck | Monthly | Annual |
|---|---|---|---|
| Gross Pay | - | - | - |
| Federal Income Tax | - | - | - |
| Missouri State Tax | $0 | $0 | $0 |
| Social Security | - | - | - |
| Medicare | - | - | - |
| 401(k) + Pre-Tax | - | - | - |
| Take-Home Pay | - | - | - |
Missouri has a progressive income tax with a top rate of 4.8%. This calculator estimates your take-home pay after federal income tax, state income tax, Social Security, Medicare, and any pre-tax deductions like 401(k) contributions. Enter your salary or hourly wage above to see a detailed breakdown of your paycheck.
Missouri has been steadily reducing its top income tax rate (from 5.4% in 2023 to 4.8% in 2025, with further reductions planned). The state has multiple brackets starting at 2%. Missouri offers a federal tax deduction on state returns (capped at $5,000 for single filers), which effectively reduces state tax liability. Kansas City and St. Louis both impose a 1% local earnings tax.
Regardless of state taxes, all Missouri workers pay federal income tax using the 2026 brackets: 10% on the first $11,925 of taxable income (single), 12% up to $48,475, 22% up to $103,350, 24% up to $197,300, 32% up to $250,525, 35% up to $626,350, and 37% on income above that. The standard deduction is $15,000 for single filers and $30,000 for married filing jointly in 2026.
All workers in Missouri pay Social Security tax at 6.2% on wages up to $176,100 (2026) and Medicare tax at 1.45% on all wages. An additional 0.9% Medicare surtax applies to wages over $200,000 for single filers. These federal payroll taxes apply uniformly regardless of which state you live in.
Pre-tax deductions reduce your taxable income for both federal and state purposes. Contributing to a 401(k) (up to $24,500 in 2026, plus $8,000 catch-up if 50+) lowers both your federal and MO state tax bill. Health Savings Account (HSA) contributions ($4,300 individual, $8,550 family in 2026) are also pre-tax. Review your W-4 withholding: if you receive a large refund each year, you may be overwithholding, which means less money in each paycheck. The Tax Bracket Calculator shows your federal marginal and effective rates.
Missouri's income tax ranges from 2-4.95%. Kansas City and St. Louis are the major metros, with significant presence in healthcare, financial services, and tech. Missouri's earnings tax in Kansas City (1%) and St. Louis (1%) adds a local layer. Cost of living is below the national average, making take-home pay stretch further than in coastal cities.
The Kansas City and St. Louis earnings taxes (1% each) apply to anyone who works within city limits, regardless of where they live. If you work in downtown KC or STL, factor that into your take-home pay alongside the state rate. Suburban workers outside city limits avoid this additional tax.