Free Mississippi Tax Calculator

Mississippi taxes income at a flat 4% for 2026 — with a $10,000 zero bracket: the first $10,000 of taxable income is exempt, and everything above is taxed at 4%. Mississippi still offers its own standard deduction ($2,300 single / $4,600 joint) plus a $6,000 personal exemption, and itemized deductions carry over from the federal side.

That quirk matters for your paycheck. On a $65,000 salary, Mississippi exempts the first $10,000 of taxable income and taxes the rest at a flat 4% after the standard deduction and personal exemptions — about $1,868. Compare that to a state like Idaho (also flat, at 5.3%) and Mississippi stays competitive.

Retirees love Mississippi. Social Security is fully exempt, and — uniquely — Mississippi exempts ALL retirement income: pensions, 401(k), IRA withdrawals, annuities. There's no dollar cap and no age gate beyond the standard retirement definitions. For a retiree drawing $60,000 from a 401(k), Mississippi income tax is literally zero. Working years you pay 4%, retirement years you pay nothing.

Property tax averages 0.98% and sales tax runs 7.07% combined (the state rate is 7% — one of the highest base rates in the country, with minimal local add-ons). Jackson adds no city income tax. Mississippi's total tax burden is bottom-5 nationally, especially for retirees.

Filing in Mississippi: resident returns use Form 80-105, filed with the Mississippi Department of Revenue by April 15. The state provides free online filing, and withholding is handled through your employer — no separate state W-4 is needed.