Disclaimer: This calculator gives you an estimate based on tax rates and details found online. These rates may change over time. For the most accurate and up-to-date information, please check the official IRS website and your state’s tax website. Always talk to a tax expert for advice about your personal tax situation.
How We Calculate the Result
This Mississippi Income Tax Calculator helps you estimate how much income tax you may owe to the state of Mississippi. We begin with your total household income, then subtract eligible deductions such as 401(k) and IRA contributions, the higher of your itemized or standard deductions, and personal exemptions. The remaining amount is your taxable income, which is taxed at a flat rate of 5% in Mississippi. We also compare your income to federal filing thresholds to help you understand if you are required to file a federal return. The result includes your estimated Mississippi tax, effective tax rate, and filing requirement status.
About Mississippi Income Tax
Mississippi applies a flat income tax rate of 5% to all taxable income as of 2025. That means no matter how much you earn, you pay the same percentage on your income after deductions. Mississippi allows deductions like retirement contributions (e.g., 401(k), IRA), a standard deduction, and personal exemptions to reduce your taxable income. For most taxpayers, this makes filing simpler than in states with progressive tax brackets.
If your total income after deductions is low enough, your tax bill could be zero. On the other hand, higher income means more tax paid, but still at a consistent 5% rate. Additionally, Mississippi does not tax Social Security benefits or some retirement income, which is good news for retirees.
Frequently Asked Questions
What is the income tax rate in Mississippi?
Mississippi uses a flat income tax rate of 5% on taxable income. This means all income above the deduction thresholds is taxed at the same rate, no matter how much you earn. The flat tax makes it easier to calculate compared to tiered systems.
When do singles start paying Mississippi income tax?
Single filers in Mississippi usually begin paying income tax once their taxable income exceeds the standard deduction and exemptions, typically around $14,600 if under age 65. After eligible deductions are applied, any remaining income is taxed at 5%.
When do married filers start paying Mississippi Income tax?
Married couples filing jointly usually start owing Mississippi income tax when their income exceeds around $29,200, assuming both are under age 65. The amount could be higher based on contributions, deductions, and exemptions. Any remaining taxable income is taxed at 5%.
What deductions can I claim in Mississippi?
You can claim deductions like 401(k) contributions, IRA contributions, itemized deductions, and personal exemptions. Mississippi also offers a standard deduction, which varies based on your filing status. These help reduce your taxable income before the 5% rate is applied.
Does Mississippi tax Social Security benefits?
No, Social Security benefits are not taxed in Mississippi. Additionally, some retirement income is also tax-exempt, making the state a favorable location for retirees when it comes to income tax responsibilities.