Minnesota Paycheck Calculator — Take-Home Pay
2026Calculate 2026 Minnesota take-home pay. Progressive state tax up to 9.85%, federal & FICA. Min wage $11.41/hr. Free.
Written and reviewed by Konstantin Iakovlev · Methodology · Updated · Source: IRS Rev Proc 2025-32 and Minnesota state revenue department publications.
Net Pay (Bi-Weekly)
$2,195.87
Annual Take-Home
$57,092.50
Total Tax (Annual)
$17,907.50
Paycheck Breakdown (Bi-Weekly)
| Gross Pay | $2,884.62 |
| Federal Income Tax | - $295.00 |
| Social Security (6.2%) | - $178.85 |
| Medicare (1.45%) | - $41.83 |
| Minnesota State Tax | - $173.08 |
| Net Pay | $2,195.87 |
Annual Summary
| Gross Annual Income | $75,000.00 |
| Federal Income Tax | - $7,670.00 |
| FICA (SS + Medicare) | - $5,737.50 |
| Minnesota State Tax (estimate) | - $4,500.00 |
| Total Deductions & Tax | - $17,907.50 |
| Annual Take-Home Pay | $57,092.50 |
| Monthly Take-Home | $4,757.71 |
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 paycheck 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 2026 tax rates and brackets
Income tax brackets — single filer
| Taxable income | Marginal rate |
|---|---|
| $0 to $33,310 | 5.35% |
| $33,311 to $109,430 | 6.80% |
| $109,431 to $203,150 | 7.85% |
| $203,151 and above | 9.85% |
Key rates & limits
| State income tax | Progressive (up to 9.85%) |
| State sales tax | 6.88% |
| Avg. property tax rate | 1.05% |
| Minimum wage | $11.41/hr |
| State Disability Insurance (SDI) | No |
| Paid Family Leave | Yes |
Minnesota paycheck — frequently asked questions
Why is my paycheck so much less than my salary?
Your gross salary is reduced by federal income tax withholding, Social Security tax (6.2%), Medicare tax (1.45%), state and local taxes (if applicable), and any voluntary deductions like health insurance or retirement contributions. For a typical middle-income earner, these deductions reduce take-home pay by 25-35%.
How do I adjust my tax withholding?
Submit a new Form W-4 to your employer. You can adjust withholding by changing your filing status, claiming dependents (which reduces withholding by $2,000 per dependent annually), reporting other income, or requesting additional withholding per paycheck. The IRS Tax Withholding Estimator tool can help you fill out the form correctly.
Are pre-tax deductions like 401(k) taken before or after taxes?
Pre-tax deductions such as Traditional 401(k) contributions, health insurance premiums, and HSA contributions are subtracted from your gross pay before federal and state income taxes are calculated. This reduces your taxable income. However, most pre-tax deductions are still subject to FICA taxes (Social Security and Medicare).
How often should I get paid?
Pay frequency is set by your employer: weekly (52 paychecks/year), biweekly (26), semimonthly (24), or monthly (12). Biweekly is the most common in the U.S. The frequency affects the size of each paycheck but not your annual gross or net pay. Biweekly employees receive two extra paychecks per year compared to semimonthly employees.
What is the difference between gross pay and net pay?
Gross pay is your total earnings before any deductions. Net pay (take-home pay) is what you actually receive after all deductions including federal tax, state tax, FICA, retirement contributions, and insurance premiums. Your pay stub shows both amounts along with each individual deduction.
Do bonuses get taxed at a higher rate?
Bonuses are taxed as ordinary income, but employers typically withhold at a flat 22% federal rate (37% for amounts over $1 million) using the IRS supplemental wage method. This flat rate may be higher or lower than your regular withholding. Any over- or under-withholding is reconciled when you file your tax return.
What states have no income tax?
Nine states have no state income tax: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. New Hampshire and Washington tax certain investment or capital gains income only. Living in a no-income-tax state can meaningfully increase your take-home pay.