Minnesota Paycheck Calculator 2026
Minnesota paycheck tax overview
Minnesota has one of the highest top state income tax rates at 9.85%, applying above $193,240. Most middle-income earners fall in the 6.8% bracket ($31,690–$104,090). Minnesota is one of the few states that also taxes Social Security income.
Minnesota income tax brackets (2026)
| Taxable Income (Single Filer) | State Tax Rate |
|---|---|
| $0 – $31,690 | 5.35% |
| $31,690 – $104,090 | 6.8% |
| $104,090 – $193,240 | 7.85% |
| $193,240 – and above | 9.85% |
Note: Bracket thresholds shown above are for single filers before any state standard deductions or personal exemptions. Actual withholding may differ. Figures are 2026 estimates.
2026 take-home pay table — Minnesota
Estimated annual net pay for a single filer using the 2026 federal standard deduction ($15,000). State tax uses the brackets above applied to gross pay. Social Security: 6.2% (up to $176,100). Medicare: 1.45%. All figures are estimates — use our paycheck calculator for a personalised result including pre-tax deductions.
| Gross Salary | Federal Tax | FICA | MN State Tax | Est. Net Pay | Monthly | Bi-Weekly |
|---|---|---|---|---|---|---|
| $50,000 | $3,962 | $3,825 | $2,940 | $39,273 | $3,273 | $1,511 |
| $60,000 | $5,162 | $4,590 | $3,620 | $46,628 | $3,886 | $1,793 |
| $75,000 | $8,114 | $5,738 | $4,640 | $56,508 | $4,709 | $2,173 |
| $100,000 | $13,614 | $7,650 | $6,340 | $72,396 | $6,033 | $2,784 |
| $125,000 | $19,247 | $9,563 | $8,260 | $87,930 | $7,328 | $3,382 |
| $150,000 | $25,247 | $11,475 | $10,223 | $103,055 | $8,588 | $3,964 |
How to increase your Minnesota take-home pay
Pre-tax contributions are especially powerful in Minnesota for higher earners. A $10,000 401(k) contribution in the 7.85% bracket saves $785 in state tax alone. Minnesota also allows deductions for 529 contributions and student loan interest paid.
- 401(k) / 403(b): Up to $23,500 pre-tax in 2026 ($31,000 ages 50–59 or 64+). Reduces both federal and most state taxable wages simultaneously.
- HSA: Up to $4,300 (self-only) or $8,550 (family) if on a qualifying HDHP. Triple tax advantage: pre-tax in, tax-free growth, tax-free medical withdrawals.
- FSA: Up to $3,300 healthcare or $5,000 dependent-care FSA. Use-it-or-lose-it, but effective at reducing immediate tax burden.
- Update your W-4: If you have significant deductions (mortgage interest, large charitable contributions), claim them on Step 4(b) of your W-4 to reduce withholding and get the benefit each pay period rather than waiting for a refund.
Frequently asked questions — Minnesota
How much state income tax is withheld in Minnesota?
Minnesota withholds income tax at 5.35%–9.85% progressive. The exact amount depends on your gross pay, pay frequency, filing status, and withholding allowances claimed on your state withholding form.
What is the take-home pay on a $75,000 salary in Minnesota?
For a single filer earning $75,000 in Minnesota in 2026, estimated annual take-home pay is approximately $56,508 — that's $4,709/month or $2,173 bi-weekly. This assumes the $15,000 federal standard deduction, no pre-tax deductions, and standard FICA withholding.
Does Minnesota have local income taxes in addition to state tax?
Most Minnesota workers are not subject to additional local income taxes, though some municipalities may have their own levies. Confirm with your employer's payroll department.