How to Use Mississippi Income Tax Calculator Online
Individual income tax in the State of Mississippi is administered by the Mississippi Department of Revenue (DOR). Mississippi has undergone significant tax reform under the landmark Mississippi Tax Freedom Act of 2022 (HB 531), which restructured the state tax code from a multi-bracket system into a streamlined flat tax with a large $10,000 0% tax-free bracket and scheduled rate reductions (4.70% in 2024, 4.40% in 2025, and 4.00% in 2026). Try & Tool's Mississippi Income Tax Calculator computes your exact state tax liability, IRS federal income taxes, FICA (Social Security & Medicare), and net take-home salary across 5 verified tax years (2022 to 2026).
Enter Gross Salary or Hourly Rate
Input your gross annual salary or hourly/monthly wage rate and select your pay schedule (Weekly, Bi-Weekly, Semi-Monthly, Monthly, or Annual).
Select Tax Filing Year & Status
Select tax years 2022 through 2026 and your filing status (Single, Married Filing Jointly, Married Filing Separately, or Head of Household) to apply Mississippi personal exemptions ($6,000 Single / $12,000 MFJ) and standard deductions.
Model Scheduled Flat Tax Cuts & $10k 0% Tier
The engine automatically applies the 0% tax bracket on the first $10,000 of taxable earnings, computes the scheduled state rate (4.4% in 2025 / 4.0% in 2026), and calculates IRS Federal taxes and FICA.
Add Pre-Tax Deductions & Review Net Paycheck
Include 401(k), 403(b), HSA, or FSA pre-tax contributions to calculate your immediate state and federal tax savings with a complete paycheck breakdown.
1. Mississippi Tax Freedom Act Rate Cuts (4.70% to 4.00%)
Under House Bill 531 (the Mississippi Tax Freedom Act of 2022), Mississippi eliminated its historical 4.0% bracket and enacted progressive annual cuts to its top marginal rate:
- 2023 Rate: 5.00% on taxable income over $10,000.
- 2024 Rate: 4.70% on taxable income over $10,000.
- 2025 Rate: 4.40% on taxable income over $10,000.
- 2026 Rate: 4.00% on taxable income over $10,000.
- $10,000 0% Bracket: The first $10,000 of taxable income is taxed at exactly 0.00%.
2. Mississippi Personal Exemptions & Generous Tax-Free Thresholds
Mississippi provides substantial personal exemptions and standard deductions that shield a significant portion of income from taxation on Form 80-105:
- Personal Exemptions: $6,000 for Single/MFS, $12,000 for Married Filing Jointly, $8,000 for Head of Household, and $1,500 per dependent.
- Standard Deductions: $2,300 for Single/MFS, $4,600 for Married Filing Jointly, and $3,400 for Head of Household.
- Combined Zero-Tax Threshold: Single filers pay 0% state tax on their first $18,300 of gross income ($6,000 + $2,300 + $10,000). Married couples filing jointly pay 0% state tax on their first $36,600 ($12,000 + $4,600 + $20,000).
3. 100% State Tax Exemption for All Retirement Income
Mississippi is widely recognized as one of the most advantageous states in the nation for retirees and seniors:
- Social Security Exemption: 100% exempt from Mississippi individual state income tax.
- Public Pensions: 100% exempt for Mississippi PERS, federal civil service (CSRS/FERS), and military pensions.
- Private Retirement: Distributions from 401(k), 403(b), 457 plans, and Traditional IRAs are 100% exempt from state income tax.
4. Zero Local City & County Income Taxes in Mississippi
Mississippi does not permit local municipalities or county governments to assess local earned wage or income taxes:
- 0% City Income Tax: Residents and commuters in Jackson, Gulfport, Southaven, Biloxi, Hattiesburg, and Tupelo pay no local wage taxes.
- Simplified Filing: Wage earners only need to file Mississippi state Form 80-105 and federal Form 1040.
5. Mississippi vs. Deep South Regional Multi-State Comparison
How Mississippi compares against neighboring Southeastern states on take-home pay:
- vs. Tennessee (0% State Tax): Tennessee levies 0% state income tax on earned wages.
- vs. Alabama (5.00% Top Rate): Alabama taxes up to 5.00% but allows a deduction for federal taxes paid.
- vs. Louisiana (Up to 4.25%): Louisiana uses progressive brackets up to 4.25% with ongoing flat tax reform.
- vs. Arkansas (Up to 4.40%): Arkansas maintains graduated brackets with a top rate of 4.40%.
Mississippi (4.4% / 4.0% Flat) vs. Southern States Take-Home Pay Matrix ($100,000 Salary)
| State | State Tax Structure | Est. State Tax Paid | Est. Federal & FICA Tax | Total Net Take-Home Pay | Difference vs Mississippi |
|---|---|---|---|---|---|
| Mississippi (MS - 2025/2026) | 4.4% / 4.0% Flat (over $10k) | $3,590 | $21,810 | $74,600 | Baseline ($0) |
| Tennessee (TN) | 0.0% State Income Tax | $0 | $21,810 | $78,190 | +$3,590 in Tennessee |
| Alabama (AL) | Graduated up to 5.00% (Fed Ded) | $3,450 | $21,810 | $74,740 | +$140 in Alabama |
| Louisiana (LA) | Graduated up to 4.25% | $3,740 | $21,810 | $74,450 | -$150 in Louisiana |
| Arkansas (AR) | Graduated up to 4.40% | $3,820 | $21,810 | $74,370 | -$230 in Arkansas |
| Georgia (GA) | 5.39% / 4.99% Flat Tax | $4,380 | $21,810 | $73,810 | -$790 in Georgia |