Mississippi Salary Paycheck Calculator

Mississippi payroll taxes

• Mississippi state income tax: Progressive brackets. Employers withhold using your Form 89-350 (MS W-4) and current Mississippi tables.
• Local income tax: Mississippi cities/counties do not levy wage-based local income taxes on employees.
• FICA (federal): Social Security and Medicare—details below.
• Federal income tax (FIT): Withheld using IRS rules based on your federal Form W-4.
• State Unemployment Insurance (SUI): Employer-paid only; employees do not pay Mississippi UI from wages.
• Pre-tax deductions: Traditional 401(k), HSA/FSA, and Section 125 premiums may reduce taxable wages (FIT/state and sometimes FICA).
• Post-tax deductions: Roth 401(k), garnishments, union dues, and other after-tax items reduce net pay.

How Your Mississippi Paycheck Works

1. Begin with gross pay (salary for the period or hourly rate × hours; include overtime if due).
2. Subtract pre-tax items (401(k), HSA/FSA, cafeteria plans) to determine taxable wages.
3. Apply FICA (Social Security up to the wage base; Medicare on all wages; Additional Medicare for high earners).
4. Calculate federal withholding using IRS methods and your W-4.
5. Calculate Mississippi state withholding using Form 89-350 elections and state tables.
6. Employer separately pays MS SUI—this is not deducted from your wages.
7. Subtract any post-tax deductions to arrive at net pay.

Mississippi unemployment insurance (SUI) — 10-year snapshot

Employees do not pay Mississippi UI. Employers contribute on a taxable wage base at rates set by experience or new-employer schedules.

Mississippi salary threshold

Mississippi follows federal FLSA white-collar rules. Exempt status requires meeting the current federal salary threshold and applicable duties tests. If either test is not met, overtime is due after 40 hours in a workweek.

Median Household Income — Mississippi (10 years, current dollars)

Illustrative nominal values to show the trend; consult the latest American Community Survey for official figures.

Mississippi Federal Insurance Contributions Act (FICA)

• Social Security: 6.2% employee + 6.2% employer, up to the annual federal wage base.
• Medicare: 1.45% employee + 1.45% employer on all wages.
• Additional Medicare: 0.9% employee-only on wages above $200,000 (employer remains 1.45%).

Number of cities that have local income taxes

Mississippi does not impose municipal wage-based income taxes on employees. Paychecks typically include federal withholding, Mississippi state income tax, FICA, and any benefit or court-ordered deductions. Some local governments assess business or license taxes on employers, but these are not employee paycheck deductions and do not change standard withholding calculations.

Local income tax table (employee wage tax)

Mississippi Wage and Hour Laws: Overtime, Pay Frequency

• Overtime: Most non-exempt employees earn 1.5× after 40 hours/week (FLSA standard; no statewide daily overtime rule).
• Minimum wage: Mississippi follows the federal minimum wage $7.25/hour for most covered employers.
• Pay frequency: Employers must set regular, posted paydays (weekly/biweekly/semimonthly common) and pay on time; final-pay deadlines apply at separation.
• Meals/rests: Follow federal requirements; minors and certain sectors may have additional protections.

Additional Mississippi forms

• Form 89-350 (MS W-4) — Employee’s Mississippi Withholding Exemption Certificate.
• Withholding returns — Employer deposit schedule and annual reconciliation with W-2 filing.
• UI Employer Registration & Rate Notice — Mississippi Department of Employment Security account setup and rate assignment.
• New Hire Reporting — Report hires/rehires within required timeframe.
• Required workplace posters — Wage/hour, unemployment, safety, and federal notices.

FAQs — Mississippi Salary Paycheck Calculator

How do I use a Mississippi Salary Paycheck Calculator to estimate my net pay?

Enter gross pay and pay frequency, your federal W-4 and MS 89-350 elections, pre-tax benefits (401(k), HSA/FSA), and post-tax deductions. The calculator applies FICA, federal withholding, and Mississippi state withholding to estimate per-paycheck and annual take-home.

Why doesn’t my Mississippi paycheck include a city tax?

Mississippi has no city or county wage-based income taxes. Your pay stub typically shows only federal, state, FICA, and benefit/garnishment lines.

How do I estimate take-home pay with a Mississippi Salary Paycheck Calculator?

Enter gross pay, pay frequency, federal W-4 details, Mississippi Form 89-350 info, and any pre-/post-tax deductions. The calculator applies FICA, federal withholding, and Mississippi state withholding to show per-paycheck and annual net pay.

Does Mississippi have local city or county income taxes on wages?

No. Mississippi does not impose wage-based local income taxes. Your paycheck will not show a city or county income tax line—only federal, state, FICA, and benefit/garnishment deductions.

Do employees pay Mississippi unemployment insurance (UI) from wages?

No. Mississippi UI is employer-funded. Employees do not have a state unemployment deduction on their pay stubs.

Which form controls my Mississippi state withholding?

Use Form 89-350 (MS W-4) to set or change your Mississippi withholding elections. Update it after life events, address changes, or when you have multiple jobs.

How are overtime earnings handled in the calculator?

Enter overtime hours and rate. The calculator adds the overtime premium (generally 1.5× for non-exempt employees after 40 hours/week) to gross pay and recalculates taxes and net accordingly.

How do bonuses or commissions affect Mississippi withholding?

Bonuses and commissions are subject to federal supplemental wage withholding methods, FICA, and Mississippi state withholding. Enter them as supplemental pay so the calculator applies the correct rules.

Can I add a flat extra amount of Mississippi withholding each paycheck?

Yes. You may request an additional state withholding amount on Form 89-350. Add the same extra amount in the calculator to preview the effect on your net pay and potential refund.

How do pre-tax deductions (401(k), HSA, FSA) change my Mississippi taxes?

Pre-tax contributions reduce federal and Mississippi taxable wages when eligible. Enter them as pre-tax in the calculator to lower FIT/state withholding and sometimes FICA, increasing take-home pay.

Are Roth 401(k) contributions pre-tax?

No. Roth 401(k) contributions are post-tax. They do not reduce taxable wages today, but qualified withdrawals may be tax-free in retirement. Enter them as post-tax deductions in the calculator.

What is Additional Medicare tax and when does it apply?

Employees pay an additional 0.9% Medicare tax on wages above $200,000 (single threshold for withholding). The employer does not match this amount. The calculator adds it automatically if applicable.

How should I handle multiple jobs in the calculator?

Use the multiple-job steps on your federal W-4, then estimate using combined income to avoid under-withholding. Run scenarios for each job and a combined view to align with your total annual income.

Does Mississippi tax pre-tax commuter or parking benefits?

Qualified commuter benefits can reduce federal and Mississippi taxable wages up to federal limits. Enter them as pre-tax so the calculator adjusts withholding accordingly.

Why is my coworker’s net pay different at the same salary?

Differences in W-4/89-350 elections, pre-tax benefits, Roth vs. traditional choices, supplemental wage timing, and garnishments can change taxable wages and withholding, producing different take-home amounts.

How do I reflect dependents or credits for Mississippi withholding?

Form 89-350 captures state withholding elections. Enter your elections in the calculator to approximate withholding. Final credits are reconciled on your Mississippi return.

What pay frequency should I choose (weekly, biweekly, semimonthly, monthly)?

Select the actual schedule your employer uses. The calculator prorates gross pay, applies the correct withholding per period, and annualizes limits like Social Security wage base.

How do I enter irregular hours or shift differentials?

Convert hours × rates by pay type, add any differentials or premiums, then input the total gross or itemize overtime separately so the calculator can apply correct tax treatment.

Are tips taxable for Mississippi and federal purposes?

Yes. Reported tips are subject to federal income tax, FICA, and Mississippi income tax. Include tip income to estimate accurate payroll withholding.

How does the calculator treat retro pay or back pay?

Enter the retro amount as supplemental wages if paid separately, or add to regular wages if paid in the same check. The calculator applies appropriate supplemental or aggregate withholding methods.

Does Mississippi have a state disability insurance (SDI) deduction?

No. Mississippi does not have an SDI payroll deduction. Your paycheck will not show a state disability line item.