2026 tax year · take-home pay
Minnesota Paycheck Calculator (2026)
Minnesota uses four progressive income-tax brackets that run from 5.35% at the bottom to 9.85% at the top, one of the higher top rates in the Midwest. A $15,300 standard deduction for single filers reduces taxable income before the brackets apply. There are no separate local income taxes in Minnesota, so state and federal withholding are your only income-tax lines.
Your paycheck breakdown
Estimated take-home pay
$1,613.44
per paycheck · $41,949.44/yr · 19.3% withheld
- Gross pay
- $2,000.00
- − Federal income tax
- $156.15
- − Social Security
- $124.00
- − Medicare
- $29.00
- − MN state income tax
- $77.41
- Net take-home
- $1,613.44
Estimate for tax year 2026. Withholding depends on your W-4 and employer; your actual paycheck may differ. Not tax advice.
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How Minnesota withholding works
Minnesota's four progressive brackets
Minnesota's 5.35% bottom rate is among the higher entry points of any progressive state. Even modest incomes above the $15,300 deduction face a nearly 5.4% state rate. The brackets climb to 6.80%, then 7.85%, and finally 9.85% at the top. Because it is a marginal system, only the income inside each band is taxed at that band's rate.
No local income taxes in Minnesota
Unlike neighboring states that stack local taxes on top of state taxes, Minnesota municipalities do not impose a separate income or wage tax. The progressive brackets above are the complete state-level income-tax picture. Pre-tax 401(k), HSA, and health contributions reduce Minnesota taxable wages and take on extra value at the higher bracket rates.
Rates & brackets
Minnesota's 2026 income tax rates
Minnesota taxes income in graduated brackets. Only the income inside each band is taxed at that band's rate. Here is the 2026 schedule for a single filer and for married filing jointly:
| Single: taxable income | Rate | Married filing jointly: taxable income |
|---|---|---|
| $0 – $33,310 | 5.35% | $0 – $48,700 |
| $33,310 – $109,430 | 6.8% | $48,700 – $193,480 |
| $109,430 – $203,150 | 7.85% | $193,480 – $337,930 |
| $203,150 and up | 9.85% | $337,930 and up |
Deduction plus personal exemptions applied: $15,300 (single), $30,600 (married filing jointly).
How the calculator withholds: Minnesota withholding subtracts $5,300 per W-4MN allowance (two if single with one job, three if married with a non-working spouse or head of household) before its rates. Minnesota has no head-of-household withholding table, so heads of household use the single rates.
Source: Minnesota DOR, 2026 Minnesota Income Tax Withholding Instruction Booklet and Tax Tables, checked against the state's withholding formula . See our methodology for full sources.
Worked examples
Estimated take-home at common salaries in Minnesota
Rough figures for a single filer over a full tax year, with no pre-tax deductions, a starting point before you run your own numbers above.
| Gross | Federal income tax | FICA | MN state tax | Take-home |
|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,321 | $32,999 |
| $60,000 | $5,020 | $4,590 | $2,557 | $47,833 |
| $85,000 | $9,870 | $6,503 | $4,257 | $64,371 |
| $120,000 | $17,570 | $9,180 | $6,637 | $86,613 |
Estimates for the 2026 tax year, single filer, computed from published federal and Minnesota tax tables. Rounded to the nearest dollar. Your actual pay depends on your W-4, pre-tax deductions, and employer payroll. Not tax advice.
Common questions
Minnesota Paycheck Calculator: common questions
- What is Minnesota's income tax rate for 2026?
- Minnesota uses four progressive brackets: 5.35%, 6.80%, 7.85%, and 9.85%. The $15,300 standard deduction (single) reduces taxable income before any rate applies.
- How much of my Minnesota paycheck goes to taxes?
- The lines are federal income tax, Social Security (6.2%), Medicare (1.45%), and Minnesota state income tax at 5.35%–9.85% progressive after the $15,300 standard deduction.
- Does Minnesota have local income taxes?
- No. Minnesota cities and counties impose no local income or wage tax, so there is no local layer to add. Federal and state are the whole income-tax picture.
Other state calculators
Estimates for tax year 2026, based on published federal and state tax tables. Not tax advice. Page last updated .