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Flexible Spending Account (FSA) in Missouri 2026

Calculate your flexible spending account (fsa) tax savings in Missouri. With Missouri's 4.8% top state tax rate, your combined savings are higher.

Missouri Tax Overview

State Income Tax
4.8%
progressive
Sales Tax
4.225%
avg combined: 8.29%
Property Tax Rate
0.91%
Median Income
$60,374

Top rate 4.8%. Federal income tax deduction allowed. Uses federal standard deduction.

Missouri Income Tax Brackets (Single)

0%
$0 - $1,207
2%
$1,207 - $2,414
2.5%
$2,414 - $3,621
3%
$3,621 - $4,828
3.5%
$4,828 - $6,035
4%
$6,035 - $7,242
4.5%
$7,242 - $8,449
4.8%
$8,449 +
Your bracket
$858
Est. Total Savings
$3,200
Max Deduction
Pre-Tax
Deduction Type
26.8%
Combined Tax Rate

Flexible Spending Account (FSA) Savings Calculator for Missouri

$
$

Federal Savings

$704

22% bracket

Missouri State

$154

4.8% rate

Total Savings

$858

26.8% combined

At a 26.8% combined tax rate in Missouri, every $1,000 in deductions saves you $268 in taxes.

Savings by Tax Bracket in Missouri

10%
$740
12%
$840
22%
$1,340
24%
$1,440
32%
$1,840
35%
$1,990
37%
$2,090

Includes 4.8% Missouri state tax on top of federal savings.

Eligibility Requirements

Employees with employer-offered FSA

  • 1$3,200 limit 2024
  • 2Use it or lose it (with carryover)
  • 3Employer plan required

Missouri residents should verify that this deduction is also recognized on their state tax return for additional savings of up to 4.8%.

Common Mistakes to Avoid

  • !Over-contributing
  • !Not using funds by deadline
  • !Forgetting to claim the deduction on your Missouri state return (missing up to 4.8% additional savings)

Missouri Filing Tips

Use Missouri's federal income tax deduction. Federal standard deduction applies. Social Security exempt if AGI below $100K (married). Property tax credit for seniors.

Required Tax Forms

W-2

File these forms with your federal tax return to claim the flexible spending account (fsa). Missouri may require additional state-specific forms.

Other Tax Deductions in Missouri

Medical & Dental Expenses

Medical

~$3,655
est. savings

Self-Employed Health Insurance

Medical

~$6,091
est. savings

HSA Contribution Deduction

Medical

~$2,193
est. savings

Long-Term Care Insurance

Medical

~$2,436
est. savings

Medical Travel Expenses

Medical

~$975
est. savings

Medical Equipment & Devices

Medical

~$1,827
est. savings

Therapy & Counseling

Medical

~$2,436
est. savings

Dental & Vision Expenses

Medical

~$1,462
est. savings

Flexible Spending Account (FSA) in Neighboring States

Iowa

3.8% top rate (flat)

~$1,055
+197 vs Missouri

Illinois

4.95% top rate (flat)

~$1,102
+244 vs Missouri

Kentucky

4% top rate (flat)

~$1,064
+206 vs Missouri

Tennessee

No state income tax

~$900
+42 vs Missouri

Arkansas

4.7% top rate (progressive)

~$1,092
+234 vs Missouri

Oklahoma

4.75% top rate (progressive)

~$1,094
+236 vs Missouri

Kansas

5.7% top rate (progressive)

~$1,133
+275 vs Missouri

Nebraska

5.84% top rate (progressive)

~$1,139
+281 vs Missouri

Tax Calculators for Missouri Cities

Kansas CitySt. LouisSpringfieldColumbiaIndependenceLee's SummitLee's SummitOFallonSt. JosephSt. Charles

Calculate Your Full Tax Savings in Missouri

Use our free tax calculators to optimize your entire tax return for Missouri.

Income Tax CalculatorMissouri Income TaxFull Flexible Spending Account (FSA) Guide

Frequently Asked Questions

How much can I save with the Flexible Spending Account (FSA) in Missouri?

In Missouri, the flexible spending account (fsa) can save you an estimated $858 per year on a $5,000 deduction. This includes $704 in federal tax savings and $154 in Missouri state tax savings at the 4.8% marginal rate. The national average savings is $900/year.

What is the Missouri state income tax rate?

Missouri has a progressive income tax system with a top rate of 4.8%. Top rate 4.8%. Federal income tax deduction allowed. Uses federal standard deduction.

Who qualifies for the Flexible Spending Account (FSA) in Missouri?

Employees with employer-offered FSA. The eligibility requirements are the same whether you live in Missouri or another state, as this is a federal tax deduction. However, your total savings will vary based on Missouri's 4.8% top state tax rate.

What tax forms do I need to claim the Flexible Spending Account (FSA) in Missouri?

To claim the flexible spending account (fsa), you need to file W-2 with your federal return. Missouri residents should also check if the state allows this deduction on their state return for additional savings of up to 4.8%. Filing status affects your deduction limits and tax bracket.

Is the Flexible Spending Account (FSA) better in Missouri than in states without income tax?

Yes, Missouri residents benefit more because the state's 4.8% top income tax rate means the deduction reduces both your federal AND state tax liability. In states with no income tax (like Texas, Florida, or Nevada), this deduction only reduces federal taxes. Your combined rate of 26.8% means more savings per dollar deducted.

What is the standard deduction in Missouri for 2026?

Missouri's standard deduction is $14,600 for single filers and $29,200 for married filing jointly. Use Missouri's federal income tax deduction. Federal standard deduction applies. Social Security exempt if AGI below $100K (married). Property tax credit for seniors.

Related Calculators

Medical & Dental Expenses in Missouri

Avg savings: $3,000/year

Self-Employed Health Insurance in Missouri

Avg savings: $5,000/year

HSA Contribution Deduction in Missouri

Avg savings: $1,800/year

Long-Term Care Insurance in Missouri

Avg savings: $2,000/year

Medical Travel Expenses in Missouri

Avg savings: $800/year

Medical Equipment & Devices in Missouri

Avg savings: $1,500/year