Minnesota Income Tax Calculator 2026
Calculate your Minnesota state income tax for 2026. Minnesota uses a progressive tax system with rates up to 9.8%.
Written and reviewed by Konstantin Iakovlev · Methodology · Updated · Source: IRS Rev Proc 2025-32 and Minnesota state revenue department publications.
About this tool: the calculator below estimates your federal income tax (IRS 2026 brackets, $16,100 single / $32,200 joint standard deduction). Minnesota adds its own state income tax on top — see the Minnesota brackets and rules in the body below. Total burden = federal + Minnesota state.
Federal Income Tax
$7,670.00
Effective Tax Rate
10.23%
Marginal Tax Rate
22%
FICA (SS + Medicare)
$5,737.50
Total Tax Burden
$13,407.50
After-Tax Income
$61,592.50
Tax Calculation Breakdown
| Gross Income | $75,000.00 |
| Above-the-Line Deductions | - $0.00 |
| Adjusted Gross Income (AGI) | $75,000.00 |
| Standard Deduction | - $16,100.00 |
| Taxable Income | $58,900.00 |
| 10% on $0.00 – $12,400.00 | $1,240.00 |
| 12% on $12,400.00 – $50,400.00 | $4,560.00 |
| 22% on $50,400.00 – $105,700.00 | $1,870.00 |
| Federal Income Tax (before credits) | $7,670.00 |
| Federal Income Tax (after credits) | $7,670.00 |
| Social Security (6.2%) | $4,650.00 |
| Medicare (1.45%) | $1,087.50 |
| Total FICA | $5,737.50 |
| Total Tax | $13,407.50 |
| After-Tax Annual Income | $61,592.50 |
| Monthly Take-Home | $5,132.71 |
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How does income tax work in Minnesota?
Minnesota has one of the highest top marginal income tax rates at 9.85% on income over $203,150 (single, 2026). The state provides its own standard deduction amounts that are close to but not identical to federal levels. Brackets adjust annually for inflation.
Minnesota's Paid Family and Medical Leave program launched in 2026, providing up to 20 weeks of combined leave. Premiums are 0.7% of wages split between employer and employee.
Minnesota has an estate tax with a relatively low exemption of $3 million. Unlike the federal estate tax cliff, Minnesota provides a partial deduction that phases out the benefit over a range above the exemption.
Minnesota does not have a tipped minimum wage — all employees must receive the full state minimum of $11.41/hr. The rate adjusts annually for inflation.
Minnesota's sales tax of 6.875% is one of the higher base rates nationally, but the state exempts clothing, groceries, and prescription drugs. Local taxes can add up to 2%.
Minnesota Income Tax Brackets 2026 (Single Filer)
| Taxable Income | Rate |
|---|---|
| $0 – $33,310 | 5.35% |
| $33,311 – $109,430 | 6.8% |
| $109,431 – $203,150 | 7.85% |
| Over $203,151 | 9.85% |
Minnesota Tax Snapshot
| Sales Tax | 6.88% |
| Avg. Property Tax | 1.05% |
| Minimum Wage | $11.41/hr |
| Estate Tax | Yes (exemption: $3,000,000) |
Minnesota income tax — frequently asked questions
What are the federal income tax brackets for 2026?
The 2026 federal tax brackets for single filers are: 10% on income up to $12,400, 12% up to $50,400, 22% up to $105,700, 24% up to $201,775, 32% up to $256,225, 35% up to $640,600, and 37% on income above $640,600. Married filing jointly brackets are roughly double these thresholds.
What is the standard deduction for 2026?
The 2026 standard deduction is $16,100 for single filers, $32,200 for married filing jointly, $16,100 for married filing separately, and $24,150 for head of household. Taxpayers aged 65 or older receive an additional amount of $2,050 (single) or $1,650 (married).
How is the effective tax rate different from the marginal tax rate?
Your marginal tax rate is the rate applied to your last dollar of taxable income, which is your highest bracket. Your effective tax rate is your total tax divided by your total income, reflecting the blended average across all brackets. The effective rate is always lower than the marginal rate because lower portions of income are taxed at lower rates.
Does Social Security count as taxable income?
Social Security benefits may be partially taxable depending on your combined income. If your combined income (AGI plus non-taxable interest plus half of Social Security) exceeds $25,000 for single filers or $32,000 for married filing jointly, up to 50% of benefits are taxable. Above $34,000 (single) or $44,000 (married), up to 85% may be taxable.
Can I reduce my taxable income with 401(k) contributions?
Yes. Traditional 401(k) contributions are made pre-tax and directly reduce your taxable income for the year. In 2026, you can contribute up to $24,500, or $32,500 if you are 50 or older. However, Roth 401(k) contributions do not reduce current taxable income because they are made with after-tax dollars.
What is FICA tax and how much do I pay?
FICA consists of Social Security tax (6.2% on wages up to $184,500 in 2026) and Medicare tax (1.45% on all wages, plus 0.9% on wages above $200,000 for single filers). Your employer pays a matching amount. FICA is separate from federal income tax and is not reduced by deductions.
Do I need to file a federal tax return?
You must file if your gross income exceeds the standard deduction for your filing status ($16,100 for single filers in 2026). You may also need to file if you had self-employment income over $400, owe special taxes, or received advance premium tax credits. Even if not required, filing may get you a refund if taxes were withheld.