Minnesota Paycheck Calculator

How to estimate your Minnesota take-home pay in 2026

Minnesota uses a progressive state income tax with rates from 5.35% to 9.85%, along with a state standard deduction. This calculator estimates your 2026 net pay after federal withholding, FICA payroll taxes, and Minnesota state tax so you can plan monthly expenses and compare job offers with confidence.

Enter your annual salary or build it from hourly wages using our gross pay calculator. If you receive 26 paychecks per year, the biweekly pay calculator shows how gross and net amounts spread across the calendar. For federal tax details and dependent credits, see the income tax calculator and salary calculator.

What gets deducted from a Minnesota paycheck

A typical Minnesota W-2 paycheck includes three layers of mandatory withholding plus any voluntary deductions you elect through your employer:

• Federal income tax: Calculated from 2026 IRS brackets, your W-4 filing status, and qualifying child tax credits.
• FICA taxes: Social Security at 6.2% (capped at the 2026 wage base of $184,500) and Medicare at 1.45%, with an additional 0.9% on wages above $200,000 for single filers. Use our FICA tax calculator to isolate these amounts.
• Minnesota state income tax: Progressive rates of 5.35%, 6.8%, 7.85%, and 9.85% applied to Minnesota taxable income after the state standard deduction.

Minnesota does not levy a separate state disability insurance tax. Pre-tax 401(k) contributions and HSA deposits reduce gross wages before Minnesota taxable income is calculated, lowering overall withholding.

How Minnesota state tax is calculated

Minnesota taxable income starts with gross wages after pre-tax deductions, then subtracts the Minnesota standard deduction before applying progressive brackets:

For 2026, Minnesota standard deductions are $15,300 (single), $30,600 (married filing jointly), and $23,000 (head of household). State tax then applies within these brackets for single filers:

• $0 to $33,310: 5.35%
• $33,310 to $109,430: 6.8%
• $109,430 to $203,150: 7.85%
• Over $203,150: 9.85%

Minnesota taxable income in this calculator

Minnesota taxable income is based on gross wages after pre-tax 401(k) and HSA contributions, not on federally taxable wages. This means Minnesota applies its own standard deduction on top of pre-tax retirement savings, similar to Maine and Kansas.

Worked example: $65,000 salary, single, biweekly, 5% 401(k)

Consider a single Minnesota employee earning $65,000 per year, paid biweekly, contributing 5% to a traditional 401(k), with no dependents or health premium deductions:

1. Pre-tax 401(k): $65,000 x 5% = $3,250 per year
2. Gross after pre-tax: $65,000 - $3,250 = $61,750
3. Minnesota taxable income: $61,750 - $15,300 (standard deduction) = $46,450
4. Minnesota state tax: 5.35% on $33,310 ($1,782) plus 6.8% on $13,140 ($893) = $2,675 per year
5. FICA: Social Security and Medicare on the full $65,000 gross (401(k) does not reduce FICA wages)
6. Estimated net per paycheck: About $1,879.69 biweekly after all withholdings

If you expect a performance bonus on top of base salary, estimate the gross amount with our bonus calculator and add it to your annual salary before running this tool.

Minnesota vs. neighboring state tax burdens

Minnesota sits in the Upper Midwest with varied tax policies. Compare your salary against Iowa (3.8% flat rate), Illinois (4.95% flat rate), and Indiana (2.95% flat rate), and North Dakota (progressive rates up to 2.5%). Running the same inputs through each state calculator reveals how relocation affects your monthly budget.

Frequently asked questions