Missouri Take-Home Pay Calculator

Missouri paychecks usually include federal income tax, Social Security, Medicare, and Missouri state income tax withholding. Missouri uses graduated withholding tables, so the state tax estimate can change based on income, pay frequency, and filing status. Some workers may also see local earnings tax if they live or work in Kansas City or St. Louis.

• Federal income tax depends on income, filing status, pay frequency, and withholding choices.
• Social Security and Medicare are federal payroll taxes.
• Missouri uses graduated state income tax withholding.
• Form MO W-4 affects Missouri withholding.
• Kansas City and St. Louis earnings tax may affect some paychecks.
• This calculator focuses on federal taxes, FICA, and Missouri state income tax; it does not include a separate Kansas City or St. Louis earnings tax line.

Benefits, bonuses, garnishments, and employer setup can change pay.

Missouri uses graduated income tax withholding, so the state tax portion of a paycheck is not just one flat percentage. The 2026 Missouri withholding formula uses bracket-style calculations and a top calculation of 4.70% of excess wages over the listed threshold plus a base amount.

This calculator estimates Missouri state income tax with a simplified bracket-based setup and Missouri standard deduction. It may not reproduce every Missouri withholding table by pay frequency, filing status, Form MO W-4 setting, or employer payroll setup.

Form MO W-4 is Missouri's Employee's Withholding Certificate. Employees use it to help employers calculate Missouri income tax withholding. It is separate from the federal W-4.

If your MO W-4 is outdated, missing, or does not match your current situation, your Missouri paycheck withholding may be too high or too low.

Missouri paycheck estimates can be affected by local earnings tax in Kansas City or St. Louis. Kansas City has a 1% earnings tax on earned income, and St. Louis requires a 1% earnings tax on wages for employees living or working in the city.

This calculator focuses on Missouri state income tax. Your actual paycheck may differ if Kansas City or St. Louis earnings tax applies.

Bonus pay and overtime can make a Missouri paycheck look different from a regular paycheck. Overtime increases taxable wages, and bonus checks may have different withholding treatment depending on how payroll processes the payment.

Local earnings tax may also affect the final paycheck if Kansas City or St. Louis rules apply.

Your actual Missouri paycheck may differ because of Form MO W-4, federal W-4 settings, Kansas City or St. Louis earnings tax, health insurance, retirement contributions, pre-tax deductions, bonuses, overtime, garnishments, or employer payroll settings.

Missouri local earnings tax in Kansas City or St. Louis can be a major reason your paystub differs from this statewide estimate.