Missouri Income Tax Calculator
Missouri’s top rate just dropped to 4.7% — and starting in 2025, capital gains are 100% exempt from Missouri tax. This take-home pay calculator covers federal tax, Missouri’s eight-bracket schedule, local earnings tax, and FICA in one place.
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How Missouri Income Tax Actually Works
Missouri runs eight tax brackets, which sounds complicated until you see how compressed they actually are: the first $1,313 of taxable income is taxed at 0%, each subsequent bracket rises in increments of just $1,313, and the top rate of 4.7% kicks in on any taxable income above $9,191 — a threshold so low that most working Missourians end up paying close to the top marginal rate on the majority of their income. That top rate itself has been falling under a statutory trigger mechanism: it dropped from 4.95% to 4.8% and now to 4.7% for 2025, with further 0.1% cuts possible in future years if Missouri general revenue growth clears specific thresholds, with a target of 4.5%. The same eight brackets apply no matter your filing status; only your standard deduction changes, and Missouri’s standard deduction mirrors the federal amount ($15,750 single/MFS, $23,625 head of household, $31,500 married filing jointly for 2025).
The single biggest Missouri tax change for 2025: the state now allows a 100% subtraction of capital gains income reported on your federal return, fully exempting long-term and short-term capital gains from Missouri state tax. This is a major, recent shift — Missouri previously taxed capital gains as ordinary income like most states — and it makes Missouri unusually attractive for investors and business owners realizing large gains, since the exemption applies regardless of how large the gain is.
For retirees specifically: Missouri fully exempts Social Security and SSDI benefits from state tax for anyone 62 or older. Public pensions from federal, state, or local government employment are exempt up to the maximum Social Security benefit ($47,633 per taxpayer for 2025), while private pensions, 401(k) distributions, and IRA withdrawals receive a much smaller exemption of only $6,000 per taxpayer, subject to income limits. Two cities — Kansas City and St. Louis — also levy a 1% local earnings tax on top of the state rate, applying to both residents and non-residents who work within city limits.
Frequently Asked Questions
Missouri uses eight graduated brackets for 2025 ranging from 0% on the first $1,313 of taxable income up to 4.7% on income above $9,191. The same bracket thresholds apply to every filing status; only the standard deduction changes.
No, starting with the 2025 tax year. Missouri now allows a 100% subtraction of capital gains income reported on the federal return, fully exempting capital gains from Missouri state income tax.
No. Missouri fully exempts Social Security benefits (and SSDI) from state income tax for individuals age 62 or older, effective beginning with the 2024 tax year.
Partially. Public pensions (federal, state, and local government) are exempt up to the maximum Social Security benefit, $47,633 per taxpayer for 2025. Private pensions, including 401(k) and IRA distributions, are exempt only up to $6,000 per taxpayer, with income limits that can reduce the exemption further.
Yes. Both Kansas City and St. Louis levy a 1% local earnings tax on residents who work there and on non-residents who work within city limits, separate from the Missouri state income tax.
Possibly. Missouri’s top rate fell from 4.8% to 4.7% for 2025 under a statutory revenue-trigger mechanism, and further 0.1% reductions can occur in future years if Missouri general revenue growth meets specific thresholds, down toward a target of 4.5%.
Methodology: Calculations use Missouri’s 2025 eight-bracket Personal Income Tax schedule (0% to 4.7%), the 2025 standard deduction ($15,750 single/MFS, $23,625 HOH, $31,500 MFJ) and age-65/blind additional standard deduction, the 100% capital gains subtraction effective 2025, the 2025 IRS federal tax brackets and Child Tax Credit rules, and 2025 Social Security (6.2% to the $176,100 wage base) and Medicare (1.45% + 0.9% additional Medicare tax) rates, per Missouri DOR and IRS.gov guidance. Local earnings tax applies only to Kansas City and St. Louis. This tool provides estimates for planning purposes only and is not tax, legal, or financial advice. Last reviewed for accuracy: June 2026.