StubRate · Take-home calculator · Missouri
Take-home pay in Missouri
Estimate what a salary in Missouri (MO) becomes after federal tax, ≈4.8% effective state income tax estimate, FICA, typical benefits, and optional commute costs.
Missouri taxes wages (StubRate ~4.8% effective). Kansas City and St. Louis levy local earnings taxes that this calculator does not fully apply—city workers often keep a bit less than the table.
Use this page for those two metros, Columbia, Springfield, and people comparing Missouri vs Kansas or Illinois.
Sample: $85,000 single filer in Missouri → about $4,991/mo net (70.5% stub rate) and $4,813/mo after a modest hybrid commute and lunches. Assumptions: 5% 401(k), $140/month health, three office days, 12 miles each way.
Your stub rate
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Enter a salary to see your stub rate
- Monthly take-home
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- Per paycheck
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- True monthly (after job costs)
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- Effective hourly
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Where the money goes
- Federal tax—
- State tax—
- Social Security + Medicare—
- 401(k)—
- Health premiums—
- Commute & work costs—
Income tax in Missouri
State tax is only part of a city-of-St.-Louis or Kansas City, Missouri stub. If you work in those cities, expect an extra local percent. Suburbs outside the earnings-tax cities look closer to this page.
Cross-border Kansas City living is a classic residency puzzle. This page assumes Missouri is the tax home.
Every U.S. W-2 wage still faces federal income tax and FICA (Social Security plus Medicare). Missouri’s difference is the state line—and any local wage tax if your city charges one.
Sample take-home by salary in Missouri
Single filer, biweekly pay, 5% traditional 401(k), $140/month health premium, no commute. Educational estimates only.
| Gross salary | Est. net / month | Est. net / year | Stub rate | State tax / year |
|---|---|---|---|---|
| $50,000 | $3,039 | $36,464 | 72.9% | $2,199 |
| $75,000 | $4,475 | $53,702 | 71.6% | $3,339 |
| $100,000 | $5,765 | $69,175 | 69.2% | $4,479 |
| $125,000 | $7,054 | $84,647 | 67.7% | $5,619 |
| $150,000 | $8,306 | $99,670 | 66.4% | $6,759 |
Living and commuting in Missouri
St. Louis, Kansas City, Springfield, and Columbia have cheaper housing than coastal peers and very different downtown parking. I-70 and I-44 miles add up for statewide sales jobs.
If the office is in the city tax zone and you live in the county, model both the commute and the local tax caveat.
Common job markets on this page: Kansas City, St. Louis, Springfield, Columbia, Independence. Housing and office days change true stub rate more than a small difference in the state tax shortcut.
Compare two offers if one job is in Missouri and the other is elsewhere—or if commute days differ.
Nearby take-home calculators
Same salary, different state tax line. Open a neighbor to compare.
Guides that pair with Missouri take-home
Missouri take-home questions
Does Missouri have state income tax?
Yes. StubRate uses an approximate 4.8% effective rate for estimates—not a full bracket simulation or every local wage tax.
What is take-home pay on $85,000 in Missouri?
Using StubRate’s sample for a single filer with 5% 401(k) and a $140/month health premium, about $4,991/month net before extra job costs, or roughly $4,813/month after a modest hybrid commute (three office days, 12 miles each way, lunches). Your numbers will differ.
How much do I keep on $100,000 in Missouri?
Under the tax-only sample (single, 5% 401(k), $140/month health, no commute), about $5,765/month, or 69.2% of gross. Add commute and lunches in the calculator to see true take-home.
Is this Missouri calculator official tax software?
No. It is an educational estimate for comparing offers. It does not file a return, model every local tax, or replace a payroll sample or a tax professional.