Use our Mississippi Paycheck Calculator to quickly figure out how much you’ll take home after taxes. Just enter your salary, pay frequency, and deductions and get a detailed breakdown of your gross pay, taxes, and net pay in seconds.
How Your Mississippi Paycheck is Calculated
Your take-home pay depends on several factors including your income, tax withholdings, and deductions. Here’s the basic formula:
Gross Pay – (Federal Taxes + State Taxes + Local Taxes + FICA) = Net Pay
Here’s what each term means:
- Gross Pay: Your total earnings before any taxes or deductions.
- Federal Income Tax: Withheld by the IRS based on your filing status, income, and allowances.
- FICA Taxes: The Federal Insurance Contributions Act tax, which funds Social Security and Medicare.
- State Income Tax: Collected by the State of Mississippi based on your taxable income.
- Local Taxes: Additional taxes that may be imposed by certain cities or counties (though not common in Mississippi).
A Guide to Mississippi State Payroll Taxes
Mississippi State Income Tax
Mississippi has a progressive income tax system with three tax brackets. Below are the 2025 tax rates for single filers and married individuals filing jointly:
| Mississippi Taxable Income | Tax Rate |
|---|---|
| Up to $5,000 | 0% |
| $5,001 – $10,000 | 4% |
| Over $10,000 | 5% |
Standard Deduction: Mississippi allows a standard deduction of $2,300 for single filers and $4,600 for married couples filing jointly.
Personal Exemption: $6,000 for single filers and $12,000 for married couples filing jointly.
These deductions reduce your taxable income, helping to lower the amount of state tax withheld from your paycheck.
State-Specific Programs & Withholdings
Mississippi does not have state disability insurance (SDI) or paid family leave programs that are funded through employee payroll deductions. However, employers must pay into the state unemployment insurance (SUI) system. Employees generally do not contribute to this program.
Mississippi also does not have additional state-mandated withholdings beyond standard income tax, which makes paycheck calculations relatively straightforward compared to other states.
Understanding Federal & FICA Taxes
Every U.S. worker has federal taxes withheld from their paycheck, regardless of where they live. These include:
- Social Security Tax: 6.2% on wages up to $168,600 in 2025.
- Medicare Tax: 1.45% on all wages. High earners pay an additional 0.9% Medicare surtax on income above $200,000 (single filers) or $250,000 (married couples).
Your employer also pays a matching share of these FICA taxes, which go toward funding retirement and healthcare benefits.
Local Taxes in Mississippi
Mississippi does not levy local or municipal income taxes. This means your paycheck deductions will only include federal and state taxes, along with any voluntary deductions like retirement contributions, health insurance premiums, or flexible spending accounts.
Frequently Asked Questions (FAQs) About Mississippi Paychecks
What is the minimum wage in Mississippi?
Mississippi follows the federal minimum wage of $7.25 per hour. The state does not have its own minimum wage law.
How often are paydays in Mississippi?
Pay frequency depends on your employer. Many employers pay bi-weekly or semi-monthly, but Mississippi does not have a law mandating specific pay periods.
What is the Mississippi state tax rate for 2025?
For 2025, Mississippi uses a three-tier tax system: 0% on the first $5,000, 4% on income between $5,001 and $10,000, and 5% on income over $10,000.
Are 1099 contractors subject to Mississippi taxes?
Yes. Independent contractors and freelancers are responsible for paying both federal and Mississippi state income taxes directly, typically through quarterly estimated tax payments.
What are the overtime laws in Mississippi?
Mississippi follows federal overtime regulations under the Fair Labor Standards Act (FLSA). Employees must receive 1.5 times their regular pay rate for all hours worked over 40 in a workweek, unless they qualify for an exemption.
Disclaimer
This Mississippi Paycheck Calculator provides an estimate based on current tax rates and available information. Actual withholdings may vary depending on your specific situation, benefits, and employer policies. For personalized tax advice, consult a licensed tax professional or financial advisor.