Updated October 4, 2026. Quick answer: Yes, with a $6,000 subtraction. Form MO-A’s private pension calculation covers “Annuities, pensions, IRAs, and 401(k) plans funded by a private source”. The subtraction is the lesser of the taxable private pension or $6,000 per spouse, reduced when income is high.
State retirement-income forms, line by line: Missouri Form MO-A.
Inherited an IRA? What the state’s own documents say about taxing those withdrawals: Missouri tax on inherited IRA withdrawals.
Hold a 403(b) or 457(b)? What the state’s own documents say about taxing those withdrawals: does Missouri tax 403(b) and 457(b) withdrawals.
Withdrawing from an IRA or 401(k)? Whether the state withholds tax from it, from its own documents: Missouri tax withholding on IRA and 401(k) withdrawals.
Taking money out of your TSP? How the state taxes it, from its own tax documents: Does Missouri tax TSP withdrawals?.
What Missouri does with 401(k) and IRA withdrawals
The form’s worksheet line reads “Amounts from Line 6Y and 6S or $6,000, whichever is less”. The statute carves out Roth IRAs: “but not including Roth IRAs”. On the rate, the chart prints “$256 plus 4.7% of the excess over $9,191”.
| Item | What the documents say |
|---|---|
| Treatment | Taxable, with a subtraction of up to $6,000 per spouse for private pensions, IRAs and 401(k) plans |
| Income limit | Reduced $1 for each $1 of income above the ceiling: $25,000 single, $32,000 married filing combined, $16,000 married filing separate |
| State rates | Graduated; the 2025 chart’s top rate is 4.7% over $9,191 |
| Source | Missouri Department of Revenue, 2025 MO-1040 instructions; RSMo 143.124 and 143.011 |
A $40,000 withdrawal
Of a $40,000 withdrawal, the subtraction is at most $6,000 for a filer under the income limits, leaving $34,000 (computed as $40,000 minus $6,000) in Missouri income. Above the income limits the $6,000 is reduced.
What changes in 2026
The documents read print no 2026 rate. RSMo 143.011 sets the top rate at “four and ninety-five hundredths percent” beginning with 2023, with possible reductions tied to revenue thresholds; the 2025 chart’s 4.7% is the figure stated here.
Federal rules
The state’s treatment sits on top of the federal one. The IRS explains the federal tax on these withdrawals in Publication 590-B, Distributions from Individual Retirement Arrangements and Publication 575, Pension and Annuity Income.
Related: whether Missouri taxes pensions, how Missouri taxes retirement income, whether Missouri taxes Roth conversions, and the state-by-state table of 401(k) and IRA withdrawal tax.
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Answer againSources
- 2025 Missouri Individual Income Tax Return Instructions (MO-1040 booklet incl. Form MO-A): view the document
- Section 143.124 RSMo, Annuities, pensions, retirement benefits … Keogh plans, annuities from defined pension plans and IRAs: https://revisor.mo.gov/main/OneSection.aspx?section=143.124
- Section 143.011 RSMo, Tax rates: https://revisor.mo.gov/main/OneSection.aspx?section=143.011
Sources: the primary documents linked above, read on October 4, 2026. General information, not tax advice. Your own facts decide the outcome, and a preparer, the plan administrator or the agency itself is the right place to confirm anything consequential.