Scenario
Get a $5,000 raise
See how much of a $5,000 annual raise reaches your bank account.
+$3,234annual take-home
+$124.38 / paycheck+$269 / month
Gross raise$5,000.00
Local coverage guide
St. Louis paycheck calculator
Calculate verified federal, Missouri state, and St. Louis layers from the official 2026 withholding publications.
Your details
Estimate your pay
Federal + state estimate Verified 2026 rules are live for all 50 states and the District of Columbia. Missouri local tax is included — select your locality in Advanced options.
Estimated take-home pay2026 · Federal + MO
$2,364.45per paycheck
You keep 76.8% of this paycheck after included federal, state, and entered payroll deductions.
Monthly$5,123
Annual$61,476
Included taxes23.2%
Where your paycheck went
From gross pay to take-home
Gross pay $3,076.92
Federal income tax Why?−$337.31
Why is this withheld?
We annualize federal taxable wages, include your W-4 income and deduction adjustments, subtract the 2026 standard deduction for single, and apply tax brackets in layers.
$80,000 adjusted income− $16,100 standard deduction= $63,900 taxable
Tax year 2026 · IRS Revenue Procedure 2025-32 ↗ · Form W-4 ↗
Missouri income tax Why?−$109.00
Why is this withheld?
We annualize this paycheck's state-taxable wages, apply the supported state-certificate inputs, then use the official 2026 missouri percentage formula.
$80,000 annualized state wages0 entered allowances / exemptions$2,834 estimated annual withholding
Tax year 2026 · Official Missouri withholding source ↗
Social Security Why?−$190.77
Why is this withheld?
Employees pay 6.2% on covered wages up to the 2026 annual wage base of $184,500. This paycheck has $3,076.92 of FICA-taxable wages.
Tax year 2026 · IRS Publication 15 ↗
Medicare Why?−$44.62
Why is this withheld?
Employees pay 1.45% on covered wages with no wage cap. An additional 0.9% applies to employer-paid wages over $200,000 in the year.
Tax year 2026 · IRS Publication 15 ↗
St. Louis local income tax Why?−$30.77
How this local tax is calculated
St. Louis · $800.00 per year. 2026 St. Louis earnings tax at 1.00% of gross earnings.
Estimated take-homeFederal, state, and local included
$2,364.45Kansas City and St. Louis earnings taxes apply only to city residents and to people working inside those cities; select your Missouri locality in Advanced options.
Your actual paycheck may differ based on payroll-specific rules and year-to-date wages.
What if?
Try the next decision before you make it.
Each card reruns your current inputs through the same 2026 tax engine.
Scenario
Increase your 401(k) to 6%
Trade some cash take-home for additional traditional retirement savings.
−$3,462annual take-home
−$133.15 / paycheck−$289 / month
Annual contribution$4,800.12
Scenario
Move to Florida
Compare the same pay after changing both your home and work state.
+$3,634annual take-home
+$139.77 / paycheck+$303 / month
Same annual gross pay$79,999.92
Compare a new job offer
Put two salaries, states, schedules, and benefit choices side-by-side.
Open comparison →Coverage boundaries
What this result can—and cannot—tell you.
Federal withholding
2026 federal income tax, Social Security, Medicare, W-4 adjustments, and entered benefits.
Missouri state
The calculator subtracts the official 2026 standard deduction, applies Missouri's progressive employer schedule through 4.7%, and rounds withholding to the nearest whole dollar per paycheck.
St. Louis local tax
St. Louis charges its 1% earnings tax to nonresidents on the earnings they make for work performed inside the city. Residents pay the same 1% on all earnings, wherever earned.
The Kansas City and St. Louis 1% earnings taxes are included. Each city taxes its residents on all earnings wherever earned, and taxes nonresidents on work performed inside the city.