Missouri Paycheck Calculator 2026
Estimate Missouri take-home pay from salary or hourly wages after federal income tax, Social Security, Medicare, Missouri withholding, optional Kansas City or St. Louis earnings tax, retirement, benefits, overtime and other deductions.
Quick Answer: How Missouri Take-Home Pay Works
A Missouri paycheck normally starts with gross earnings and then subtracts federal income-tax withholding, Social Security, Medicare, Missouri income-tax withholding, applicable Kansas City or St. Louis earnings tax, retirement contributions, benefit premiums, extra withholding and post-tax deductions.
Missouri uses a progressive 2026 withholding schedule from 0% through 4.7%. Kansas City and the City of St. Louis separately impose a 1% earnings tax when their residence or physical-work rules apply.
Missouri Paycheck Calculator With State and Local Taxes
Enter the details that match your pay arrangement. Results update automatically and separate regular wages, supplemental pay, Missouri withholding, city earnings tax and payroll deductions.
Kansas City or St. Louis Earnings-Tax Impact
This comparison isolates the currently selected local earnings-tax effect. Kansas City and the City of St. Louis each use a 1% earnings tax, but residence and physical work location determine whether it applies.
| Scenario | Estimated paycheck | Estimated monthly take-home | Practical meaning |
|---|---|---|---|
| With selected local earnings tax | $0 | $0 | Uses the selected city or custom local-tax rate and allocation. |
| Without local earnings tax | $0 | $0 | Shows the same estimate before the local city tax. |
| Selected local-tax difference | $0 | $0 | The estimated reduction caused by the current local-tax setting. |
Monthly Missouri Budget From Your Paycheck
Gross salary does not show whether a job can support housing, transportation, insurance, debt, bills and savings. This snapshot turns estimated annual net pay into a monthly planning number.
Missouri Job Offer and Housing Affordability Calculator
Compare a salary offer with federal tax, Missouri withholding, optional city earnings tax, benefits, housing, transport, debt, savings and monthly spending.
Common Missouri Paycheck Searches Explained
Each search phrase below represents a different payroll problem. The answer requires a specific field, comparison or explanation—not a repeated keyword.
How This Missouri Paycheck Estimate Works
| Paycheck component | Calculation approach | Why a paystub may differ |
|---|---|---|
| Federal income tax | Estimated with 2026 federal brackets, standard deductions, entered credits and optional federal-only deductions. | Employers use Publication 15-T, exact W-4 details, pay-period methods and rounding. |
| Social Security | 6.2% of estimated Social Security wages up to the 2026 wage base. | Year-to-date wages and benefit treatment determine when the wage base is reached. |
| Medicare | 1.45% of Medicare wages plus 0.9% employee withholding above $200,000. | Employer withholding and final joint-return liability can differ. |
| Missouri withholding | Uses the 2026 progressive 0%–4.7% formula, MO W-4 status and whole-dollar per-pay-period rounding. | Payroll may use wage-bracket tables, fixed withholding, exemption status or a supplemental method. |
| Local earnings tax | Applies the selected city/custom rate to the estimated local taxable wage allocation. | Residence, city boundaries, physical workdays, refunds and employer withholding practices matter. |
| Benefits and deductions | Separates traditional retirement, pre-tax benefits, post-tax items and extra withholding. | A deduction may reduce federal, Missouri, local, FICA, all or none of those wage bases. |
Information to Check Before Calculating
| Information | Where to find it | Why it matters |
|---|---|---|
| Gross salary or hourly rate | Offer letter, paystub or payroll portal | It is the starting point for every gross-to-net calculation. |
| Pay frequency | Payroll calendar or recent paystub | Weekly, biweekly, semimonthly and monthly schedules divide annual pay differently. |
| Federal Form W-4 | Employer HR or payroll portal | Filing status, credits, deductions and extra withholding affect federal tax. |
| Missouri Form MO W-4 | Employer onboarding or payroll records | It controls Missouri status, extra withholding, reduced fixed withholding or exemption. |
| City residence and work location | Home address, worksite records and remote-work schedule | Kansas City or St. Louis earnings tax can depend on both residence and physical services. |
| Benefit tax treatment | Benefits guide and taxable-wage lines on the paystub | Health, HSA, FSA, commuter and retirement items may affect different tax bases. |
Which Forms Control a Missouri Paycheck?
| Form or record | What it controls | When to review it |
|---|---|---|
| Federal Form W-4 | Federal income-tax withholding | New job, marriage, dependents, second job, major income change or repeated refund/balance-due issue. |
| Missouri Form MO W-4 | Missouri filing status, extra withholding, reduced fixed withholding and exemption | Starting work, status changes, expected underpayment or overwithholding. |
| Missouri Form MO W-4A | Nonresident certificate or Missouri-source wage allocation | Working partly inside and outside Missouri or qualifying for nonresident treatment. |
| Kansas City local payroll setup | Kansas City 1% earnings-tax withholding | Living in Kansas City, working inside city limits or changing remote-work days. |
| St. Louis city payroll setup | City of St. Louis 1% earnings-tax withholding | Living in the city, working or performing services inside the city, or seeking a workday refund. |
Which Deductions Reduce Which Taxes?
| Deduction | Common payroll treatment | Practical action |
|---|---|---|
| Traditional 401(k), 403(b) or retirement | Often reduces federal and Missouri income-taxable wages but generally not Social Security or Medicare wages. | Compare federal taxable wages with Social Security wages on the paystub. |
| Roth retirement contribution | Usually post-tax for income-tax purposes. | Enter it as post-tax rather than traditional retirement. |
| Health, dental or vision insurance | Often pre-tax through an eligible employer plan, but treatment varies. | Check whether it reduces federal, Missouri, local, Social Security and Medicare wages. |
| HSA or FSA | Often pre-tax when contributed through a qualifying payroll arrangement. | Verify eligibility, annual limits and FICA treatment. |
| Commuter benefit | May receive favorable federal payroll-tax treatment up to applicable limits. | Use the employer-plan amount, not the entire commuting cost. |
| Union dues or garnishment | Often deducted after taxes. | Enter the actual per-paycheck amount as post-tax. |
| Extra withholding | Reduces current take-home but is not a benefit expense. | Keep federal and Missouri extra withholding separate. |
Missouri Hourly Pay, Overtime, Bonuses and Commission
Hourly paycheck with overtime
Enter regular weekly hours, overtime hours, the applicable multiplier and paid workweeks. The calculator adds eligible overtime to annual gross wages before estimating withholding.
A larger overtime check can have more withholding, but overtime is not permanently taxed at a special Missouri rate.
Separate supplemental payment
Missouri allows employers to estimate separately paid supplemental wages at 4.7% or use an aggregate method. Select the 4.7% option only when the bonus, commission or overtime is actually paid separately and payroll uses that method.
The withholding percentage is an advance payment, not necessarily the final tax rate on that income.
2026 Paycheck Numbers Used in This Calculator
| 2026 item | Amount or rule | How it is used |
|---|---|---|
| Federal standard deduction | $16,100 single, $32,200 married filing jointly, $24,150 head of household | Reduces estimated federal taxable income. |
| Federal marginal rates | 10%, 12%, 22%, 24%, 32%, 35% and 37% | Applied progressively to estimated federal taxable income. |
| Social Security wage base | $184,500 | Caps wages subject to the 6.2% employee Social Security estimate. |
| Medicare | 1.45%, plus 0.9% employee withholding above $200,000 | Applied to estimated Medicare wages. |
| Missouri standard deduction | $16,100 single/spouse works, $24,150 head of household, $32,200 married spouse does not work | Subtracted before the 2026 Missouri withholding schedule. |
| Missouri withholding rates | 0%, 2%, 2.5%, 3%, 3.5%, 4%, 4.5% and 4.7% | Applied progressively and rounded to the nearest whole dollar per pay period. |
| Kansas City/St. Louis earnings tax | 1% when applicable | Optional local-tax estimate based on residence/work allocation. |
Biweekly vs semimonthly pay
Biweekly normally means 26 checks per year. Semimonthly normally means 24 checks. The same annual salary produces different individual check amounts because it is divided by a different number of pay periods.
Biweekly: 26 checksSemimonthly: 24 checksHourly vs salary paycheck
Hourly workers should enter regular and overtime hours separately. Salaried workers should enter annual base salary and add expected bonus, commission or tips. Neither should treat gross pay as spendable income.
Hourly: rate × hoursSalary: annual compensationMissouri Salary After Tax Examples
These dynamic examples assume a single filer, biweekly pay, standard Missouri withholding, no local city tax and no retirement or benefit deductions. Use the main calculator for your actual situation.
| Common salary search | Estimated biweekly take-home | Estimated monthly take-home | What to check next |
|---|---|---|---|
| $40,000 salary after taxes in Missouri | $0 | $0 | Housing ratio, insurance deductions and commute costs. |
| $60,000 salary after taxes in Missouri | $0 | $0 | Retirement percentage, city earnings tax and savings. |
| $75,000 salary after taxes in Missouri | $0 | $0 | MO W-4, benefits and local-tax jurisdiction. |
| $100,000 salary after taxes in Missouri | $0 | $0 | W-4 credits, bonus treatment and extra withholding. |
| $150,000 salary after taxes in Missouri | $0 | $0 | Social Security wage base, Medicare and supplemental pay. |
Kansas City vs St. Louis vs Other Missouri Locations
Missouri Remote Work, Nonresident and MO W-4A Notes
Why ADP or an Employer Payroll Portal May Show a Different Result
| Possible difference | Public planning calculator | Employer payroll system |
|---|---|---|
| W-4 and MO W-4 data | Uses the values entered on this page. | Uses the exact forms and elections stored in payroll. |
| Year-to-date wages | Models a full year from current inputs. | Knows prior checks and cumulative Social Security wages. |
| Local tax | Uses the selected rate and allocation percentage. | Can use employee address, worksite, city coding and actual workdays. |
| Benefits | Uses the tax treatment selected by the user. | Knows the plan’s exact federal, Missouri, local and FICA treatment. |
| Bonus or overtime | Uses annualized or 4.7% separate-payment planning. | Uses the actual aggregate or supplemental method for that payment. |
| Rounding | Rounds Missouri withholding per period to approximate the official rule. | Applies exact wage-bracket, table and cent-rounding procedures. |
Why Your Real Missouri Paycheck May Not Match
- The selected pay frequency does not match the actual payroll calendar.
- Your federal W-4 filing status, credits, deductions or extra withholding differ.
- Your MO W-4 status, fixed withholding or exemption election differs.
- Kansas City or St. Louis earnings tax applies but was not selected—or was selected incorrectly.
- The Missouri-source or local-work allocation percentage is different.
- The check includes overtime, bonus, commission, tips, retro pay, vacation or reimbursement.
- A separate supplemental payment used the 4.7% method or an aggregate calculation.
- Traditional retirement was entered as Roth, or a Roth deduction was entered as pre-tax.
- A health, HSA, FSA or commuter deduction reduces different wage boxes than expected.
- Social Security tax changed after cumulative annual wages approached the wage base.
- The first or final paycheck covers only part of a pay period.
- Employer software uses exact tables, whole-dollar Missouri rounding and year-to-date data.
How to Match the Estimate With Your Paystub
Official Source Notes
This independent guide summarizes official information for planning. Employers should use official withholding publications and compliant payroll systems for exact calculations.
Missouri Paycheck Calculator FAQs
How much is my paycheck after taxes in Missouri?
Enter salary or hourly wages, overtime, pay frequency, federal and Missouri filing status, local tax, retirement, benefits and deductions. The calculator estimates take-home pay per paycheck, per month and per year.
What are the Missouri withholding rates for 2026?
Missouri’s 2026 paycheck-withholding schedule uses progressive rates of 0%, 2%, 2.5%, 3%, 3.5%, 4%, 4.5% and 4.7% after the applicable annual standard deduction.
Does Kansas City have a local earnings tax?
Yes. Kansas City, Missouri has a 1% earnings tax. Residents generally owe it on earned income, while nonresidents generally owe it on compensation earned for services inside city limits.
Does St. Louis have a local earnings tax?
Yes. The City of St. Louis has a 1% earnings tax for city residents and for many nonresidents working or performing services inside the city.
Can this calculator include hourly pay and overtime?
Yes. Select hourly pay and enter the regular rate, regular weekly hours, overtime hours, overtime multiplier and paid workweeks.
What is the difference between biweekly and semimonthly pay?
Biweekly pay normally means 26 checks per year. Semimonthly pay normally means 24 checks. The same annual salary is divided across a different number of paychecks.
How does Missouri Form MO W-4 affect withholding?
MO W-4 controls Missouri filing status, extra withholding, a requested fixed withholding amount and qualified exemption from Missouri withholding.
Does this calculator include bonuses and commissions?
Yes. Enter expected annual bonus, commission, tips or other wages. For a separately paid amount, you can model Missouri’s optional 4.7% supplemental withholding method.
What is MO W-4A used for?
MO W-4A can be relevant for nonresident certification or allocation when services are performed partly inside and partly outside Missouri.
Why does ADP or my employer portal show a different paycheck?
An employer system uses exact W-4 and MO W-4 data, year-to-date wages, benefit tax treatment, city jurisdiction, pay date, payroll tables, supplemental methods and rounding.
Should I use a 2025 or 2026 Missouri paycheck calculator?
Use the year in which wages are paid. Federal brackets, standard deductions, Social Security wage base, Missouri thresholds and payroll tables can change by year.
What if I work remotely inside or outside Missouri?
Residence and physical work location both matter. A nonresident working partly in Missouri may need allocation, while a nonresident working entirely outside Missouri may not have Missouri-source wages.
Can I use this calculator before accepting a Missouri job offer?
Yes. Use the job-offer tool to compare estimated monthly take-home pay with housing, utilities, transportation, food, debt, savings, benefits and other recurring costs.
Is this calculator legal or tax advice?
No. It is a planning estimate. Verify payroll, withholding, filing and legal decisions with official IRS, Missouri and city guidance or a qualified professional.
Can this calculator replace official payroll tables?
No. Employers should use IRS Publication 15-T, Missouri’s official 2026 withholding formula or tables, current forms and compliant payroll software for exact withholding.
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Estimate Your Missouri Take-Home Pay Before Payday
Recalculate whenever salary, hourly schedule, overtime, MO W-4 status, local-tax location, remote-work allocation, benefits, retirement, housing or monthly costs change. Use the result before accepting a job, signing a lease or updating payroll forms.
Run the Missouri Calculator Again