2026 Minnesota Paycheck Calculator
Updated 2026 · IRS Pub 15-T · SSA · Minnesota DOR · Private browser calculation
On a $100,000 salary in Minnesota, a single filer keeps about $73,174 take-home per year (26.8% effective tax rate) after federal, Minnesota state, and FICA withholding in 2026.
2026 data verified · Last checked June 11, 2026
Source: IRS Pub 15-T · Minnesota DOR 2026 withholding tables
In Minnesota, a single filer earning $75,000 per year takes home approximately $57,303 after taxes (2026). Federal tax: $7,670 | Minnesota state tax: $4,290 | FICA: $5,738.
23.6% effective tax rate
Minnesota uses a progressive state income tax system. Higher income levels are subject to higher marginal rates, so your effective Minnesota state withholding rate depends on your total annual income and filing status. Federal income tax and FICA are calculated separately and also reduce your take-home pay each pay period.
See how all 51 states rank for take-home pay in our Best States for Take-Home Pay 2026 research study.
Most W-2 paychecks in Minnesota include several standard withholding categories. Your employer uses IRS Publication 15-T tables for federal income tax, then applies payroll taxes and any state or local taxes required for your work location.
Your annual salary is the same whether you are paid weekly, biweekly, semi-monthly, or monthly, but each paycheck amount differs because the number of pay periods changes. Weekly pay divides your annual gross into 52 checks; biweekly into 26; semi-monthly into 24; and monthly into 12. Withholding tables account for pay frequency, so per-check federal and state amounts may not be a simple annual total divided evenly. Comparing offers or budgeting often requires looking at both per-paycheck net and annual take-home together.
Filing status — Single, Married Filing Jointly, or Head of Household — changes the withholding brackets your employer uses for federal income tax and, in most states with income tax, for state withholding as well. Two employees earning the same salary in Minnesota can have different net pay if their filing status or W-4 entries differ. Updating your W-4 after a marriage, divorce, or dependent change is the most common way to align withholding with your expected tax situation.
See take-home pay for common jobs in Minnesota after federal and state taxes:
Minnesota uses a progressive state income tax structure, so withholding rises as taxable wages move into higher state brackets.
Your effective state tax rate is usually lower than the top marginal rate because only part of your wages is taxed at each higher bracket.
Minnesota does not generally add a separate statewide local income tax layer to the default estimate shown in this calculator.
Use the calculator above to adjust salary, filing status, pay frequency, and deductions for a more specific Minnesota paycheck estimate.
Use this page with the Minnesota bonus tax calculator when a supplemental paycheck uses flat withholding, or read how overtime is taxed in 2026 if extra hours push a pay period into a higher bracket.
For relocation math, Minnesota vs Illinois shows the same salary side by side. · State Income Tax Rankings 2026 · W-4 withholding optimization · 401(k) paycheck impact.
Net pay is the amount you actually receive after payroll deductions. It starts with gross pay, then subtracts federal income tax, Social Security, Medicare, state or local tax, and any voluntary deductions.
Take-home pay equals gross pay minus taxes and deductions. A paycheck calculator applies federal withholding, FICA, state income tax, local taxes where applicable, and pre-tax or post-tax deductions in the correct order.
Gross pay is earnings before deductions. Net pay is what remains after payroll taxes, benefits, retirement contributions, insurance premiums, garnishments, and other paycheck deductions.
Pre-tax deductions can reduce taxable wages before income tax is calculated. A 401(k), HSA, or FSA may lower federal and state taxable income, but some deductions do not reduce Social Security or Medicare wages.
Post-tax deductions are taken after payroll taxes are calculated. Examples may include Roth 401(k) contributions, certain insurance payments, wage garnishments, or after-tax benefits.
Minnesota uses four graduated state income tax rates in 2026: 5.35%, 6.80%, 7.85%, and 9.85%. The bracket thresholds vary by filing status, so a single filer and married couple can see different withholding on the same gross pay.
For 2026, Minnesota's standard deduction is $15,300 for single filers, $30,600 for married filing jointly, and $23,000 for head of household. The 2026 dependent exemption amount is $5,300.
Minnesota supplemental payments paid separately from regular wages are withheld at 6.25% in 2026. If supplemental pay is paid with regular wages, the employer uses Minnesota's regular withholding method instead.
Minnesota does not have city or county wage income tax withholding. Minnesota paycheck calculations focus on federal tax, FICA, Minnesota state income tax, and applicable payroll deductions.
Starting in 2026, Minnesota Paid Leave has a 0.88% total premium rate. Employers may deduct the employee share from wages where applicable.
Filing status affects Minnesota withholding because the state uses different bracket thresholds for single, married filing jointly, married filing separately, and head of household. Two workers with identical gross pay can have different state tax withheld.
Gross pay is your earnings before taxes. Net pay is what remains after federal income tax, Social Security (6.2%), Medicare (1.45%), Minnesota state income tax, Paid Leave premiums, and any benefits deductions.
Update your W-4 and Minnesota Form W-4MN when you change jobs, marry or divorce, add dependents, work multiple jobs, or consistently receive a large refund or owe a balance. The W-4MN adjusts Minnesota-specific withholding.
Assumptions: Single filer · Standard deduction · Biweekly pay · No pre-tax deductions · Estimates paycheck withholding, not final tax liability · Source: state DOR + IRS Pub 15-T, 2026
Tax rates verified for 2026 tax year.
ExactTakeHome starts with gross pay, applies your pay frequency, subtracts eligible pre-tax deductions (401k, HSA, FSA) from federal taxable wages, calculates federal income tax withholding using IRS Publication 15-T percentage method tables, applies Social Security (6.2% up to $184,500 wage base) and Medicare (1.45%) taxes on gross wages, then applies Minnesota state income tax using the 2026 withholding tables from the Minnesota Department of Revenue. Local tax is applied where available (NYC, Philadelphia, Columbus OH). Final take-home is an estimate of paycheck withholding, not your final tax return liability.
Calculate your Minnesota take-home pay after federal withholding, FICA, state taxes, local taxes, and pre-tax deductions.
Pre-tax deductions like 401(k), HSA, and health insurance premiums reduce your taxable wages before federal income tax is calculated. This means you pay less tax on every paycheck — not just defer the money.
Why take-home increases: A 6% 401(k) contribution on $75,000 reduces taxable wages by $4,500, cutting both federal income tax and Minnesota state income tax on that amount. Social Security and Medicare still apply to the original gross wages.
Pay frequency changes your paycheck size, not your annual salary. Withholding tables annualise each paycheck, so weekly and monthly results may differ slightly from biweekly.
Based on $75,000 annual salary, single filing status, no pre-tax deductions, Minnesota withholding. Use the calculator above for your exact filing status and deductions.
Minnesota also has state-specific withholding rules and cross-border commuter issues, especially with Wisconsin, Iowa, North Dakota, and South Dakota. Workers with remote or hybrid arrangements should track where work is performed.
Yes. Minnesota uses a progressive income tax system, so withholding generally rises as taxable income increases.
Payroll may apply withholding methods that treat bonus or supplemental pay differently from regular wages. The final tax return reconciles the actual amount due.
Quick answer: $100,000 after taxes in Minnesota (2026)
Estimated take-home pay: $73,174/year ($6,098/month · $2,814/biweekly). Effective tax rate: 26.8%.
Minnesota paychecks start with federal withholding calculated under IRS Publication 15-T using Form W-4, pay period, filing status, and taxable wages.
FICA is withheld separately: for 2026, Social Security is 6.2% on employee wages up to $184,500, and Medicare is 1.45% on all covered wages. Employers must also withhold the 0.9% Additional Medicare Tax once an employee's wages exceed $200,000 for the year.
Minnesota has a graduated individual income tax with four brackets; for 2026, single-filer rates range from 5.35% on income up to $33,310 to 9.85% on income above $203,150. Minnesota Paid Leave began in 2026, with a total premium of 0.88% split evenly; employees may have up to 0.44% deducted from their paychecks.
Whether this deduction appears depends on your employer's plan setup and any approved private plan exemptions. MN Paid Leave deductions may apply but are not included in this estimate. Estimates assume standard 2026 withholding, single filing status, and no pre-tax deductions; actual paycheck may differ.
| Tax | 2026 Rate | Wage Cap | Source |
|---|---|---|---|
| Federal Income Tax | 10%–37% (percentage-method withholding) | No wage cap | IRS Pub. 15-T |
| Social Security | 6.2% employee withholding | $184,500 | SSA 2026 |
| Medicare | 1.45% employee withholding | No wage cap | IRS Pub. 15 |
| Additional Medicare Surtax | 0.9% on wages over $200,000 | No wage cap | IRS Topic 560 |
| Minnesota State Income Tax | 5.35%–9.85% graduated (4 brackets) | No wage cap | MN DOR 2026 |
Local taxes in some cities change your take-home pay beyond the state rate.
Some cities and counties in Minnesota set wage floors above the statewide rate. Use these verified local pages when you need the current ordinance rate before moving into a paycheck estimate.
Compare two salary offers in different states
Compare Minnesota take-home with other states:
The Minnesota paycheck calculator computes your exact take-home pay for 2026.
For a $75,000 salary, a single filer in Minnesota takes home $57,303 per year ($2,204 per biweekly paycheck) after federal and state taxes.
Example Calculation — $75,000 Salary
$75,000 salary in Minnesota
$57,303/year
$2,204 per biweekly paycheck
23.6% effective tax rate| Federal income tax | -$7,670 |
| Social Security (6.2%) | -$4,650 |
| Medicare (1.45%) | -$1,088 |
| Minnesota state tax | -$4,290 |
Assumptions: Single filer · Biweekly · No 401(k) · Standard W-4 · Customize below ↓
Minnesota taxes wages on a graduated scale, with 2026 rates ranging from 5.35% to 9.85%. For a single filer earning $100,000, the effective Minnesota state income tax rate is approximately 6.01%, and the annual take-home pay is approximately $73,174 after all taxes.
Use the calculator above to enter your exact salary, filing status, and pre-tax deductions for a precise Minnesota take-home pay estimate.
Minnesota uses a progressive income tax system, so state withholding can increase as taxable income rises. For many workers, Minnesota state tax is a meaningful paycheck deduction on top of federal withholding and FICA.
ExactTakeHome tax data is sourced from official government publications and verified against primary sources. Last verified: .