How to Use This Calculator
Enter your income, filing status, and any deductions. The calculator computes your Mississippi state income tax alongside your federal tax, showing exactly how much goes to each and what you take home.
The most useful thing to try? See how Mississippi's flat 4.4% rate affects different income levels, then test how deductions and retirement contributions change your bottom line.
Here's what each field means:
Annual Income is your total earnings before any taxes. Include wages, freelance income, investment income, and any other sources.
Filing Status determines which deductions and exemptions apply. Mississippi uses filing statuses similar to the federal system.
Mississippi Income Tax: What You Need to Know
Mississippi uses a flat income tax of 4.4% on all taxable income. Unlike states with progressive brackets, everyone pays the same percentage regardless of how much they earn. A teacher making $45,000 and a CEO making $500,000 both pay 4.4%.
Mississippi transitioned to a flat tax system in 2024. The old system had brackets of 0%, 3%, 4%, and 5%. Starting in 2024, the first $10,000 of taxable income is exempt, and income above $10,000 is taxed at a flat rate that's being phased down: 4.4% in 2025, with plans to reach 4.0% by 2026. Mississippi does not tax Social Security benefits or most retirement income. The state also has relatively low property taxes and cost of living, making it one of the more affordable states for retirees.
A Real Example
Let's say you're a single filer earning $50,000 in Mississippi. After applying the standard deduction of $2,300, your approximate Mississippi state income tax would be around $1,386, for an effective state tax rate of about 2.8%.
That's just the state portion. Federal income tax and FICA taxes are additional.
Deductions and Exemptions
Standard Deduction: $2,300 for single filers and $4,600 for married couples filing jointly.
Standard deduction plus a $6,000 personal exemption (single) / $12,000 (MFJ). The first $10,000 of taxable income is exempt. Mississippi does not tax Social Security, pensions, or retirement distributions from qualified plans.
Local Taxes
No local income taxes in Mississippi.
Recent Changes
Major flat tax reform phasing in from 2024-2026. The rate drops from 4.4% (2025) to 4.0% (2026), with the first $10,000 exempt throughout.
How to Use This Calculator Strategically
Model a raise or job change. With a flat tax, the math is simpler — every additional dollar is taxed at 4.4%. But deductions and credits can still shift your effective rate.
Compare filing statuses. Even with a flat rate, different filing statuses unlock different deduction amounts that can affect your bottom line.
Plan retirement contributions. See how 401(k) or IRA contributions reduce your Mississippi taxable income and lower your state tax bill.
Evaluate a move. Compare Mississippi's flat 4.4% rate to other states. Depending on your income level, a flat tax state might save you money — or cost you more — compared to a progressive system.
References
- Mississippi Department of Revenue. (2025). Individual Income Tax.
This calculator is for educational purposes only and does not constitute tax or financial advice. Tax rates and rules change regularly. Consult a qualified tax professional for guidance specific to your situation.