Minnesota Paycheck Calculator
Free take-home pay estimator for Minnesota employees · 2026 tax rates · Updated July 2026
How Minnesota paycheck taxes work
Minnesota's top income tax rate of 9.85% is the fourth-highest in the U.S. — most middle-income workers pay 6.8%–7.85%.
- Minnesota's 9.85% top rate applies to income over $183,340 for single filers.
- Despite high rates, Minnesota consistently ranks highly for quality of public services and infrastructure.
- Minnesota does not tax Social Security for lower-income filers, but does tax it at higher income levels.
Take-home pay in Minnesota: 2026 salary examples
The table below shows estimated 2026 take-home pay in Minnesota for a single filer with no pre-tax deductions, using the federal standard deduction ($16,100) and Minnesota's progressive bracket schedule.
| Salary | Federal tax | FICA | Minnesota tax | Take-home (year) | Take-home (month) | Eff. rate |
|---|---|---|---|---|---|---|
| $35,000 | $2,020 | $2,678 | $1,093 | $29,210 | $2,434 | 16.5% |
| $45,000 | $3,220 | $3,443 | $1,633 | $36,705 | $3,059 | 18.4% |
| $55,000 | $4,420 | $4,208 | $2,313 | $44,060 | $3,672 | 19.9% |
| $65,000 | $5,620 | $4,973 | $2,993 | $51,415 | $4,285 | 20.9% |
| $75,000 | $7,670 | $5,738 | $3,673 | $57,920 | $4,827 | 22.8% |
| $85,000 | $9,870 | $6,503 | $4,353 | $64,275 | $5,356 | 24.4% |
| $100,000 | $13,170 | $7,650 | $5,373 | $73,807 | $6,151 | 26.2% |
| $125,000 | $18,734 | $9,563 | $7,195 | $89,508 | $7,459 | 28.4% |
| $150,000 | $24,734 | $11,475 | $9,158 | $104,633 | $8,719 | 30.2% |
| $200,000 | $36,734 | $14,339 | $13,125 | $135,802 | $11,317 | 32.1% |
Estimates for a single filer, 2026 rates, no 401(k)/health deductions. Married filers generally take home more at the same salary — for example, at $75,000 a married filer in Minnesota keeps about $4,222 more per year than a single filer.
Example: a $65,000 salary in Minnesota, paycheck by paycheck
Here's how a $65,000 annual salary breaks down for a single filer in Minnesota paid biweekly (26 paychecks per year) in 2026:
- Gross per paycheck: $2,500.00
- Federal income tax: −$216.15 ($5,620/year)
- Social Security (6.2%): −$155.00
- Medicare (1.45%): −$36.25
- Minnesota state income tax: −$115.11 ($2,993/year)
- Take-home per paycheck: $1,977.49 — an overall effective tax rate of 20.9%
Minnesota state income tax details (2026)
Minnesota uses a progressive income tax — higher income is taxed at higher rates. These are the 2026 Minnesota brackets for single filers, applied after the state's deductions and exemptions:
| Minnesota taxable income | Rate |
|---|---|
| $0 – $30,070 | 5.35% |
| $30,070 – $98,760 | 6.8% |
| $98,760 – $183,340 | 7.85% |
| Over $183,340 | 9.85% |
Because the brackets are marginal, only the income inside each band is taxed at that band's rate. The calculator above applies this exact table to your annualized income and divides the result by your pay periods.
Minnesota vs. South Dakota: state tax on a $75,000 salary
A single filer earning $75,000 pays about $3,673 in state income tax in Minnesota, versus $0 in South Dakota. That's $3,673 per year (about $306/month) less state tax in South Dakota. See the South Dakota paycheck calculator for that state's full breakdown.
Federal income tax withholding (2026)
Federal income tax withholding is calculated using the annualization method from IRS Publication 15-T. Your per-period gross pay is annualized, reduced by the standard deduction ($16,100 single / $32,200 married / $24,150 head of household in 2026), and then taxed at the applicable bracket rates. The resulting annual tax is divided by your number of pay periods.
2026 federal tax brackets
| Taxable Income (Single) | Rate |
|---|---|
| $0 – $12,400 | 10% |
| $12,400 – $50,400 | 12% |
| $50,400 – $105,700 | 22% |
| $105,700 – $201,775 | 24% |
| $201,775 – $256,225 | 32% |
| $256,225 – $640,600 | 35% |
| Over $640,600 | 37% |
FICA: Social Security & Medicare
FICA taxes are the same in every state. Social Security is withheld at 6.2% on wages up to $184,500 (2026 wage base). Once your wages reach that cap in a calendar year, Social Security withholding stops. Medicare is withheld at 1.45% with no wage cap. An additional 0.9% applies to wages above $200,000 (single) or $250,000 (married).
Pre-tax deductions and your paycheck
Traditional 401(k) contributions and employer-sponsored health insurance premiums (Section 125/cafeteria plan) reduce your federal and state taxable income, lowering your income tax withholding. However, 401(k) contributions do not reduce FICA (Social Security and Medicare) wages. Health insurance premiums under a Section 125 plan do reduce FICA wages. Use the "Show deductions" section above to model your specific situation.
Frequently asked questions
- A single filer earning $65,000 in Minnesota takes home approximately $51,415 per year in 2026 — about $4,285 per month, or $1,977.49 per biweekly paycheck. That reflects $5,620 in federal income tax, $4,973 in FICA (Social Security and Medicare), and $2,993 in Minnesota state income tax. Pre-tax deductions like a 401(k) or health insurance would change these numbers.
- Minnesota has a progressive state income tax — the rate rises with income. A single filer pays roughly $1,973 in Minnesota tax on a $50,000 salary, $3,673 on $75,000, and $5,373 on $100,000. Use the calculator above for your exact withholding based on salary and filing status.
- Minnesota does not have a statewide local income tax layer. Your paycheck deductions consist of federal income tax, Social Security, Medicare, and Minnesota state income tax — no additional local income taxes are withheld at the state level.
- Start with your gross pay per paycheck. Subtract: (1) federal income tax based on your filing status and 2026 brackets; (2) Social Security at 6.2% up to the $184,500 wage base; (3) Medicare at 1.45%; (4) Minnesota state income tax. Any pre-tax deductions like 401(k) or health insurance reduce your taxable income further. The calculator above does this math instantly.
- Minnesota's treatment of Social Security retirement benefits varies by income level. Check the Minnesota Department of Revenue for the current exemption thresholds. This calculator estimates withholding on wages — Social Security benefit taxation is a separate determination made on your annual return.
- Minnesota does not require additional state payroll contributions beyond state income tax withholding. Some states (notably California, New Jersey, and New York) require workers to contribute to state disability insurance (SDI) or paid family leave (PFL) programs — Minnesota is not one of them.
Last updated: July 2026 · Data source: IRS Rev. Proc. 2025-32 & Publication 15-T (2026), Social Security Administration, Minnesota Department of Revenue · This tool is for estimation only.
Related guides
- How does paycheck withholding work? — Step-by-step explanation of federal withholding, FICA, and state tax calculation.
- W-4 withholding guide — How to fill out the redesigned W-4 and avoid under- or over-withholding.
- State income tax rates 2026 — All 50 states compared: flat vs. progressive vs. no-tax.
- How bonuses are taxed — The flat 22% supplemental withholding rate and how it applies in Minnesota.