How to Use Missouri Income Tax Calculator Online
Individual income tax in the State of Missouri is administered by the Missouri Department of Revenue (DOR). Missouri uses a graduated individual income tax system with marginal rates topping out at 4.70% for tax years 2025 and 2026, following statutory rate reduction triggers enacted under Senate Bill 3 and Senate Bill 153. In addition to state taxes, workers in Kansas City and the City of St. Louis are subject to a 1.0% municipal earnings tax. Try & Tool's Missouri Income Tax Calculator computes your exact state tax liability, local earnings tax, 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 Pay
Input your gross annual salary or hourly/monthly wage rate and select your pay frequency (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 Missouri's conforming federal standard deductions ($14,600 Single / $29,200 MFJ).
Select City Earnings Tax (Kansas City or St. Louis)
Select whether you live or work in Kansas City (1.0% E-Tax) or the City of St. Louis (1.0% E-Tax) to factor in local municipal wage deductions.
Add Pre-Tax Deductions & Review Net Paycheck
Include 401(k), 403(b), HSA, or FSA pre-tax contributions to calculate your immediate state, local, and federal tax savings with a complete paycheck breakdown.
1. Missouri Graduated Income Tax Rate Cuts (4.95% down to 4.70%)
Missouri has steadily lowered its top individual income tax rate through statutory trigger mechanisms:
- 2023 Top Rate: 4.95% on taxable income over $9,072.
- 2024 Top Rate: 4.80% on taxable income over $9,122.
- 2025 & 2026 Top Rate: 4.70% on taxable income over $9,200+.
- 0% Baseline Bracket: The first ~$1,300 of taxable income is taxed at 0.00%.
2. Kansas City and St. Louis 1.0% Municipal Earnings Taxes (E-Tax)
Only two cities in Missouri levy local municipal taxes on earned compensation under state statutory authority:
- Kansas City (KC Earnings Tax): 1.0% tax on gross wages of all city residents and non-residents working within Kansas City city limits.
- City of St. Louis (St. Louis Earnings Tax): 1.0% tax on gross wages of all city residents and non-residents performing work in the City of St. Louis.
- Remote Worker Exemption: Non-residents who perform work from home outside city limits are not subject to the 1% tax on those remote days and can request a refund via city earnings tax forms.
- 0% in All Other Cities: Springfield, Columbia, Independence, Lee's Summit, O'Fallon, St. Joseph, and St. Charles levy no local earnings tax.
3. Federal Standard Deduction Conformance & Federal Tax Deduction
Missouri allows taxpayers to reduce their taxable base using two significant deduction mechanisms on Form MO-1040:
- Standard Deduction Conformance: Single ($14,600 / $15,000), MFJ ($29,200 / $30,000), and Head of Household ($21,900 / $22,500).
- Federal Tax Liability Deduction: Filers can deduct a percentage (up to 35%) of their federal income tax liability, capped at $5,000 for Single and $10,000 for MFJ (phases down to 0% for high AGI).
4. Complete State Tax Exemption for Social Security & Public Pensions (SB 24)
Under landmark legislation enacted in Missouri Senate Bill 24 (effective beginning tax year 2024):
- 100% Social Security Exemption: Social Security retirement benefits are 100% exempt from Missouri individual income tax regardless of total income.
- 100% Public Pension Exemption: Public retirement benefits from PSRS/PEERS, MOSERS, federal civil service, and military pensions are completely exempt from Missouri state income tax.
5. Missouri vs. Midwest Regional Multi-State Comparison
How Missouri compares against neighboring Midwest and Central states on take-home pay:
- vs. Kansas (Up to 5.58%): Missouri's 4.70% top rate is lower than Kansas's top rate of 5.58%.
- vs. Illinois (4.95% Flat): Missouri's 4.70% rate provides a lower state tax rate than Illinois's 4.95% flat rate.
- vs. Iowa (3.80% Flat): Iowa transitioned to a 3.80% single flat tax, offering lower rates for high earners.
- vs. Arkansas (Up to 4.40%): Arkansas maintains graduated brackets with a top rate of 4.40%.
Missouri (State + KC / St. Louis E-Tax) vs. Midwest States Take-Home Pay Matrix ($100,000 Salary)
| State / Jurisdiction | State & Local Tax Rate | Est. State & Local Tax | Est. Federal & FICA Tax | Total Net Take-Home Pay | Difference vs KCMO |
|---|---|---|---|---|---|
| Missouri (MO - Kansas City / St. Louis) | 4.70% State + 1.00% E-Tax | $4,650 | $21,810 | $73,540 | Baseline ($0) |
| Missouri (MO - Springfield / Columbia) | 4.70% State (0% Local) | $3,650 | $21,810 | $74,540 | +$1,000 in non-ETax cities |
| Kansas (KS - Overland Park) | Graduated up to 5.58% | $4,480 | $21,810 | $73,710 | +$170 in Kansas |
| Illinois (IL - Chicago) | 4.95% Flat Tax | $4,680 | $21,810 | $73,510 | -$30 in Illinois |
| Iowa (IA - Des Moines) | 3.80% Flat Tax | $3,230 | $21,810 | $74,960 | +$1,420 in Iowa |
| Arkansas (AR - Bentonville) | Graduated up to 4.40% | $3,820 | $21,810 | $74,370 | +$830 in Arkansas |
| Nebraska (NE - Omaha) | Graduated up to 5.84% | $4,620 | $21,810 | $73,570 | +$30 in Nebraska |