Missouri Salary Paycheck Calculator 2026

Missouri paycheck calculator (2026) — how take-home is computed

Missouri withholds a progressive 0%–4.7% state income tax under Mo. Rev. Stat. § 143.011 (eight brackets, annually indexed under SB 3), configured on Form MO W-4. Residents of Kansas City or St. Louis — and non-residents on wages earned inside those city limits — also owe a 1% earnings tax (Form RD-109 in KC, Form E-1 in STL). No other Missouri city or county imposes a wage tax.

• 2026 Missouri brackets (§ 143.011)

  0% up to ~$1,313 · 2% · 2.5% · 3% · 3.5% · 4% · 4.5% · 4.7% top above ~$9,191.

• Local wage tax

  Kansas City & St. Louis only — flat 1% earnings tax; non-residents can refund remote-work days on RD-109NR / E-1R.

• Federal-tax deduction

  Missouri allows a partial deduction for federal income tax paid (§ 143.171), capped at $5,000 Single / $10,000 MFJ and phased out 35%→0% between $25k–$125k AGI.

• No reciprocity

  Unlike Illinois or Kentucky, Missouri has zero reciprocity agreements — IL, KS, IA, NE, TN, AR & KY commuters file two returns and credit taxes paid to the other state.

Missouri payroll taxes at a glance (2026)

Canonical numbers used across this Missouri paycheck calculator. Tap any row to jump to the underlying explanation.

• State income tax (2026)

  0% – 4.7% (8 brackets, indexed)

  Mo. Rev. Stat. § 143.011 · SB 3 indexing
• Local wage tax

  1% earnings tax — Kansas City & St. Louis only

  Applies to residents and non-residents working in city
• Withholding form

  Form MO W-4 (Missouri DOR)

  Filed with employer, separate from federal W-4
• Standard deduction (2026)

  Conforms to federal ($15,000 Single / $30,000 MFJ)

  IRC § 63 via Mo. Rev. Stat. § 143.121
• Federal-tax deduction

  Up to $5,000 Single / $10,000 MFJ, phased out

  Mo. Rev. Stat. § 143.171 — 35% → 0% phase-out $25k–$125k AGI
• Reciprocity

  None — MO has no state reciprocity agreements
• Supplemental / bonus rate

  ≈ Missouri progressive + 22% federal

  Reconciled to § 143.011 brackets at year-end
• Minimum wage (2026)

  $15.00/hr (Proposition A)

  Tipped cash wage 50% of standard ($7.50)
• Pay-frequency law

  At least semi-monthly for most private employers

  Mo. Rev. Stat. § 290.080
• FICA (federal)

  6.2% SS to $184,500 + 1.45% Medicare (+0.9% > $200K)

  2026 SSA wage base

Sources: Missouri Department of Revenue (Pub. 4282 · Form MO W-4), Mo. Rev. Stat. §§ 143.011 / 143.121 / 143.171 / 290.080, Kansas City Revenue Division (Form RD-109), St. Louis Collector of Revenue (Form E-1), SSA 2026 wage base.

Kansas City & St. Louis 1% earnings tax

Two Missouri cities levy a 1% earnings tax on wages — the only local wage taxes in the state. The tax applies to residents of the city on all wages earned anywhere, and to non-residents on wages earned inside the city limits. Every other Missouri municipality (Springfield, Columbia, Independence, Lee's Summit, O'Fallon, St. Charles, St. Joseph, Cape Girardeau, Jefferson City, Joplin) uses identical paycheck math with no local layer.

Sources: Kansas City Revenue Division (RD-109 / RD-109NR), St. Louis Collector of Revenue (E-1 / E-1R). Both cities authorized to levy an earnings tax under Mo. Rev. Stat. § 92.111 (KC) and § 92.010 (STL), subject to voter reauthorization every 5 years.

Rates reflect 2026 top marginal state income tax and exclude the federal 10%–37% brackets and FICA (6.2% Social Security + 1.45% Medicare). Kansas City and St. Louis add a 1% local earnings tax that stacks on any of these state combinations if you physically work inside either city.

Missouri federal-tax deduction (§ 143.171)

Missouri is one of a shrinking set of states that lets you deduct part of the federal income tax you paid when computing Missouri taxable income. The deduction is capped at $5,000 Single / $10,000 Married Filing Jointly and phases out as Missouri AGI rises.

Withholding tables in MO DOR Pub. 4282 approximate the deduction inline, so per-check MO withholding already reflects an average phase-out. The exact deduction is reconciled on Form MO-1040 at year-end.

Missouri paycheck terms — key definitions

Plain-English definitions of the Missouri-specific terms that drive every paycheck: withholding tax, § 143.011 brackets, Form MO W-4, the standard deduction, the § 143.171 federal-tax deduction, Kansas City / St. Louis earnings tax, and supplemental-wage withholding.

Missouri withholding tax

Missouri withholding tax is the state income tax an employer subtracts from each paycheck and remits to the Missouri Department of Revenue on the employee's behalf.

• Authority: Mo. Rev. Stat. §§ 143.191–143.221 (employer withholding) and § 143.011 (rate schedule).
• Rate: 2026 progressive brackets from 0% on the first ~$1,313 of taxable wages up to a 4.7% top rate above ~$8,911, indexed annually.
• Driven by the employee's Form MO W-4 (filing status, dependents, and any Line 2 extra withholding).
• Employers file quarterly on Form MO-941 and issue Form W-2 at year-end; employees reconcile on Form MO-1040.

Source: MO DOR Employer Withholding

Missouri tax brackets (2026)

Missouri tax brackets are the eight indexed income tiers under Mo. Rev. Stat. § 143.011 that assign progressively higher rates — 0% to 4.7% in 2026 — to each additional slice of taxable income.

• 0% on the first ~$1,313 of Missouri taxable income.
• 2.0% · 2.5% · 3.0% · 3.5% · 4.0% · 4.5% on each successive ~$1,313 slice.
• 4.7% top rate on Missouri taxable income above ~$8,911.
• Same schedule applies to Single, Married Filing Jointly/Separately, and Head of Household — Missouri does not double the bracket widths for joint filers.
• Only income above each threshold is taxed at that rate — moving into a higher bracket never re-taxes lower-tier income.

Source: Mo. Rev. Stat. § 143.011

Form MO W-4

Form MO W-4 is Missouri's Employee's Withholding Certificate — a one-page state form telling the employer how much Missouri income tax to withhold from each paycheck.

• Filed with the employer, not the state; separate from the federal IRS Form W-4.
• Line 1: filing status (Single · Married Filing Combined · Married Filing Separately · Head of Household).
• Line 2: any additional flat-dollar Missouri tax to withhold per pay period — used to cover second jobs, spousal income, or non-wage income.
• Line 3: check to claim exempt (only if no MO tax liability last year and none expected this year).
• Re-file whenever you marry, divorce, add/lose a dependent, take a second job, or move between Missouri and another state.
• If no MO W-4 is on file, employers withhold at Single with zero allowances — usually over-withholding.

Source: MO W-4 PDF (MO DOR)

Missouri standard deduction

The Missouri standard deduction is the flat amount subtracted from federal adjusted gross income before applying Missouri's § 143.011 brackets; it conforms to the federal standard deduction under Mo. Rev. Stat. § 143.121.

• 2026: $15,000 Single & Married Filing Separately · $30,000 Married Filing Combined · $22,500 Head of Household (conforms to IRC § 63).
• Automatic — no itemization needed unless Missouri-itemized deductions exceed the standard amount.
• Reduces Missouri taxable income only; federal withholding and FICA are unaffected.

Source: Mo. Rev. Stat. § 143.121

Missouri federal-tax deduction (§ 143.171)

Missouri lets filers deduct part of their federal income tax paid from Missouri taxable income, capped at $5,000 (Single) or $10,000 (MFJ) and phased down from 35% to 0% as Missouri AGI rises.

• Cap: $5,000 for Single/MFS/HoH, $10,000 for Married Filing Combined.
• Phase-out band: 35% deductibility at Missouri AGI up to $25,000, sliding to 0% at $125,000+.
• Not built into paycheck withholding — reconciled at year-end on Form MO-1040, typically producing a modest refund for middle-income filers.

Source: Mo. Rev. Stat. § 143.171

Kansas City & St. Louis earnings tax (1%)

The Kansas City and St. Louis earnings tax is a 1% local wage tax on all city residents (regardless of work location) and on non-residents for wages earned while physically working inside the city.

• Kansas City: withheld and remitted via Form RD-109 (Revenue Division).
• St. Louis: withheld and remitted via Form E-1 (Collector of Revenue).
• Non-resident remote workers can file a refund claim for days worked outside city limits.
• No other Missouri city — Springfield, Columbia, Independence, O'Fallon, Lee's Summit, St. Charles — levies a local paycheck tax.

Missouri supplemental wage withholding

Missouri withholds supplemental wages — bonuses, commissions, severance — at a flat rate near the top § 143.011 bracket, then reconciles to progressive brackets on Form MO-1040 at year-end.

• Federal supplemental: 22% flat (37% on annual supplemental over $1M).
• Missouri supplemental: ≈ top progressive rate (4.7% in 2026).
• FICA still applies: 6.2% SS to the SSA wage base + 1.45% Medicare (+0.9% above $200,000).
• KC / STL residents and workers add the 1% local earnings tax on the bonus.

Missouri Form MO W-4 & per-check withholding

Missouri employees file Form MO W-4 with their employer (separate from federal W-4). Filing status + any Line 2 additional withholding drive the per-check MO tax. Use the estimator below to see the exact biweekly / weekly / semimonthly / monthly amount for 2026.

Missouri paycheck tax breakdown — step-by-step

Walk through exactly how a Missouri paycheck is built for one pay period: gross → pre-tax deductions → federal withholding → Missouri § 143.011 state tax → FICA → optional Kansas City / St. Louis 1% earnings tax → net take-home.

1. 1

   Start with gross wages

   Annual gross $65,000 ÷ 26 pay periods = $2,500.00 per biweekly check.
   $2,500.00

   per biweekly check
2. 2

   Subtract pre-tax deductions

   Traditional 401(k) at 5% ($3,250/yr) plus Section 125 health premiums ($150/check). These reduce federal + Missouri taxable wages but not FICA for the 401(k) portion.
   −$275.00

   per biweekly check
3. 3

   Federal income tax withholding

   IRS Publication 15-T percentage-method tables, 2026 brackets, single filer. Applied to wages after pre-tax 401(k) and Section 125 health.
   $0.00

   per biweekly check
4. 4

   Missouri state income tax

   Mo. Rev. Stat. § 143.011 progressive brackets (0%–4.7%, 2026 indexed), less the § 143.121 standard deduction and any § 143.171 federal-tax deduction. Effective MO rate here: 0.00%.
   $0.00

   per biweekly check
5. 5

   FICA — Social Security 6.2%

   Applied to FICA wages (401(k) does not reduce FICA; Section 125 health does). SSA 2026 wage base $184,500.
   −$145.70

   per biweekly check
6. 6

   FICA — Medicare 1.45% (+0.9% > $200k)

   Applied to same base as Social Security, but with no wage cap. Additional Medicare Tax kicks in above $200,000.
   −$34.08

   per biweekly check
7. 7

   Local earnings tax (none)

   You selected a location outside Kansas City and St. Louis, so no local earnings tax applies. Springfield, Columbia, Independence, O'Fallon, Lee's Summit, and St. Charles have no local paycheck tax.
   $0.00

   per biweekly check
8. 8

   Net take-home per check

   What lands in your bank account after every step above. Annualized: -$268,574 (~-413.2% of gross).
   −$10,329.78

   per biweekly check

Safe-harbor: to avoid Missouri and IRS underpayment penalties, pay in at least 100% of last year's total tax (110% if AGI > $150k) or 90% of the current year's liability across the four quarters. KC and STL follow the same quarterly rhythm.

Sources: Mo. Rev. Stat. § 143.124, § 143.125, § 143.174; Missouri SB 190 (2023); Missouri Department of Revenue Form MO-A (Individual Income Tax Adjustments) and Form MO W-4P instructions.

Assumes single filer, standard deduction, no 401(k) or Section 125 deferrals, and no Kansas City / St. Louis 1% earnings tax. Federal brackets reflect 2025 IRS Rev. Proc. 2024-40 and 2026 inflation-indexed thresholds; Missouri brackets reflect § 143.011 indexing (2025 top-bracket floor ≈ $8,911, 2026 ≈ $9,191). Real paychecks also depend on filing status, dependents, W-4 additional withholding, and MO W-4 elections.

Missouri hourly paycheck examples (40 hrs / week, 2026)

Missouri minimum wage rises to $15.00/hr in 2026 under Proposition A. Table assumes single filer, no pre-tax deductions, no KC / STL earnings tax; subtract another 1% of gross if you live or work inside Kansas City or St. Louis city limits.

Missouri bonus & supplemental-wage withholding

Missouri does not publish a flat supplemental withholding rate; MO DOR instructs employers to apply the same annualized-percentage method used for regular wages (Pub. 4282), aggregated with the regular check. Federal withholding uses the 22% flat supplemental rate (37% on annual supplemental over $1M), plus 6.2% Social Security to the wage base and 1.45% Medicare (+0.9% above $200,000). Kansas City and St. Louis residents also owe the 1% earnings tax on the bonus.

Missouri salary paycheck calculator

Drag to see Missouri take-home pay from $30k–$300k gross salary (single filer, no pre-tax deductions).

Missouri pay-frequency law (§ 290.080)

Under Mo. Rev. Stat. § 290.080, most Missouri corporate employers must pay employees at least semi-monthly (twice per month), with wages due within 16 days of the close of each pay period. Weekly (52), biweekly (26), semi-monthly (24), and monthly (12) schedules are all in common use. Your annual Missouri tax bill is identical across frequencies — the calculator annualizes gross wages, applies MO W-4 filing status and § 143.011 brackets, then divides the net back into per-check amounts.

This Missouri paycheck calculator vs ADP / SmartAsset / Gusto

All four tools use the same Missouri DOR § 143.011 brackets. What this calculator adds on top:

• ADP Missouri paycheck calculator

  Generic 50-state tool; treats MO as a flat rate and does not surface § 143.171 federal-tax deduction, KC/STL 1% earnings tax, or MO W-4 Line 2 extra withholding.

• SmartAsset Missouri paycheck calculator

  Accurate on federal + § 143.011 brackets, but its primary UX funnels users into financial-advisor matching rather than exposing MO W-4 or KC/STL earnings-tax detail.

• Gusto Missouri paycheck calculator

  Marketing tool for Gusto payroll — omits federal-tax deduction phase-out, does not distinguish MFS from MFJ half-thresholds, does not surface Prop A minimum-wage change.

Unique to this page: (1) § 143.171 federal-tax deduction phase-out modeled inline, (2) Kansas City & St. Louis 1% earnings tax with RD-109NR / E-1R refund pointers, (3) MO W-4 Line 2 additional-withholding estimator, (4) 2026 Prop A minimum wage baked into hourly examples, (5) explicit "no reciprocity" statement for IL / KS / IA commuters. No signup, no advisor matching, no email capture.

Missouri paycheck methodology & sources

This calculator annualizes gross wages, applies MO W-4 filing status, the § 143.121 Missouri standard deduction (federal conforming), and the § 143.171 federal-tax deduction (phased 35% → 0% between $25k–$125k AGI), then applies the 2026 § 143.011 progressive brackets (0% up to ~$1,313 · 2% · 2.5% · 3% · 3.5% · 4% · 4.5% · 4.7% top). Federal withholding follows IRS Publication 15-T; FICA is 6.2% Social Security to the SSA wage base + 1.45% Medicare + 0.9% Additional Medicare above $200,000. Kansas City / St. Louis 1% earnings tax is optional — toggle via your location.

• Mo. Rev. Stat. § 143.011 — Individual income tax rates
• Mo. Rev. Stat. § 143.121 — Missouri adjusted gross income
• Mo. Rev. Stat. § 143.171 — Federal income tax deduction
• Mo. Rev. Stat. § 290.080 — Pay frequency
• MO DOR Publication 4282 — Employer's Tax Guide
• MO DOR Form MO W-4
• Kansas City Revenue Division — Earnings Tax (RD-109)
• St. Louis Collector of Revenue — Earnings Tax (E-1)
• IRS Publication 15-T (2026 percentage-method tables)
• SSA 2026 wage base