Minnesota Paycheck Calculator 2026
9.85% top rate โ 4th highest in the US. But generous deductions mean most pay far less. See your real take-home.
How to Use This Calculator
Tab "Take-Home Pay"
Enter your gross annual salary, pay frequency, and filing status. The calculator applies 2026 federal income tax brackets, Minnesota state income tax brackets (5.35%–9.85%), and FICA taxes (Social Security 6.2% up to $184,500, Medicare 1.45%, and the 0.9% Additional Medicare Tax above $200K). Minnesota has no SDI or local income tax. Expand "More options" to add pre-tax 401(k) contributions and health insurance premiums. The result shows your net take-home per paycheck plus a full annual summary.
Tab "Tax Breakdown"
This tab shows a visual pie chart of where every dollar of your salary goes: federal tax, MN state tax, Social Security, Medicare, and take-home pay. It calculates how many cents of each dollar you actually keep and your combined effective tax rate. Use this to understand the true cost of living and working in Minnesota.
Tab "Compare Filing Status"
See your take-home pay calculated side-by-side as Single, Married Filing Jointly, and Head of Household. The comparison table shows federal tax, MN state tax, FICA, and net take-home for each status. The best option is highlighted in green so you can instantly see which filing status saves you the most money.
The Formulas
Taxable income = Gross salary − Pre-tax deductions − Standard deduction
Single: $15,750 · MFJ: $31,500 · HoH: $23,500
Tax = Sum of (taxable income in each bracket × bracket rate)
Brackets: 10%, 12%, 22%, 24%, 32%, 35%, 37%
Minnesota State Income Tax (2026 DOR rates):
MN taxable income = Gross − Pre-tax deductions − MN standard deduction − Personal exemption
Standard deduction: $14,575 (single) / $29,150 (MFJ) / $21,900 (HoH)
Personal exemption: $4,950/person ($9,900 MFJ)
Tax = Sum of (MN taxable in each bracket × rate)
Single: 5.35% up to $31,690, 6.80% up to $104,090, 7.85% up to $193,240, 9.85% above
MFJ: 5.35% up to $46,330, 6.80% up to $184,040, 7.85% up to $321,450, 9.85% above
HoH: 5.35% up to $39,810, 6.80% up to $159,980, 7.85% up to $273,150, 9.85% above
FICA Taxes:
Social Security = 6.2% × min(Gross salary, $184,500)
Medicare = 1.45% × Gross salary
Additional Medicare = 0.9% × max(0, Gross − $200,000)
Take-Home Pay:
Net = Gross − Federal tax − MN tax − SS − Medicare − Pre-tax deductions
Per paycheck = Net ÷ Number of pay periods
Minnesota conforms to the federal OBBBA provisions for overtime and tips. This means both federal and Minnesota deductions apply to overtime premium pay and cash tips (2025–2028). Minnesota has no local income taxes and no state disability insurance payroll tax.
Example
$80,000 Salary — Single, Biweekly, No 401(k)
On an $80,000 salary in Minnesota, you keep about 76.5 cents of every dollar. Your combined effective tax rate is 23.5%. The largest chunk goes to federal income tax ($9,049), followed by Social Security ($4,960) and MN state tax ($3,652). Adding a 6% 401(k) contribution would reduce your federal and MN taxable income by $4,800, saving roughly $1,100 in taxes but reducing your per-paycheck take-home by about $138.