Minnesota Take-Home Pay Calculator
5.35%–9.85% graduatedEstimate your net paycheck after federal taxes, FICA, and Minnesota state income tax.
Last updated: April 2026
Minnesota Income Tax
Minnesota has a four-bracket graduated income tax ranging from 5.35% to 9.85%. Most middle-income earners pay an effective rate around 6%–7%.
Minnesota State Income Tax: What You Need to Know
Minnesota has a four-bracket graduated income tax ranging from 5.35% to 9.85%. Most middle-income earners pay an effective rate around 6%–7%.
Minnesota has one of the most progressive income tax structures in the country — four brackets ranging from 5.35% up to 9.85% on income above $183,340 for single filers. Even at the lowest bracket, Minnesota's 5.35% rate is the starting point, not a low-income break. Minnesota's top rate of 9.85% is the fourth-highest state income tax rate in the country. The state has no local income tax — Minneapolis, St. Paul, and all other Minnesota cities do not add wage taxes on top of the state rate. Minnesota does allow the federal standard deduction as its baseline and provides a dependent credit and other deductions. Minnesota also taxes Social Security benefits for most recipients, which is notable.
On top of state taxes, all workers also pay federal income tax based on the 2026 progressive brackets, plus FICA taxes: Social Security (6.2% up to $176,100) and Medicare (1.45% on all wages).
Our calculator applies Minnesota's 5.35%–9.85% graduated to your gross income as a simplified estimate. Actual state taxes may vary based on deductions, exemptions, and local taxes not captured in this estimate.
Minnesota Income Tax Brackets (2026, Single Filers)
| Income Range | Tax Rate |
|---|---|
| $0 – $30,070 | 5.35% |
| $30,070 – $98,760 | 6.80% |
| $98,760 – $183,340 | 7.85% |
| $183,340 – and above | 9.85% |
Minnesota Take-Home Pay Examples (2026, Single Filer)
Estimates based on standard deduction, no pre-tax deductions. Last updated: April 2026.
| Salary | Federal Tax | State Tax | FICA | Take-Home |
|---|---|---|---|---|
| $40,000 | $3,167 | $2,284 | $3,060 | $31,489 |
| $60,000 | $6,617 | $3,644 | $4,590 | $45,149 |
| $80,000 | $10,817 | $5,009 | $6,120 | $58,054 |
| $100,000 | $15,617 | $6,377 | $7,650 | $70,356 |
Frequently Asked Questions: Minnesota Taxes
What are Minnesota's income tax brackets for 2026?
Minnesota has four brackets for single filers: 5.35% on income up to $30,070; 6.80% on income from $30,070 to $98,760; 7.85% on income from $98,760 to $183,340; and 9.85% on income above $183,340. These thresholds are adjusted annually for inflation. Minnesota's 5.35% starting rate is one of the highest bottom-bracket rates in the country — even low-income earners in Minnesota pay above 5%.
Does Minnesota tax Social Security benefits?
Yes — Minnesota is one of the few states that taxes Social Security benefits for most recipients. However, Minnesota provides a Social Security income subtraction for eligible lower-income taxpayers. Single filers with provisional income below approximately $75,000 can subtract some or all of their Social Security from Minnesota taxable income. Above that threshold, Social Security benefits are taxable at the standard Minnesota rates.
Does Minnesota have a city or local income tax?
No. Minnesota does not allow cities or counties to impose a local income tax on wages. Minneapolis, St. Paul, Duluth, and all other Minnesota cities have no local wage tax. Minnesota workers pay only state and federal income taxes — this simplifies payroll compared to states like Ohio or Kentucky where local taxes are common.
How does Minnesota's income tax compare to Wisconsin's?
Minnesota and Wisconsin are neighboring states with similar top rates. Wisconsin's top rate is 7.65%, lower than Minnesota's 9.85%. However, Minnesota's brackets start higher (5.35% vs Wisconsin's 3.54% starting rate), so middle-income earners in Minnesota may pay more in effective state tax than comparable Wisconsin earners despite Wisconsin's higher published top rate on paper.
What deductions does Minnesota allow?
Minnesota allows the federal standard deduction as a baseline and then applies Minnesota-specific additions and subtractions. Minnesota also provides a dependent exemption credit, a K-12 education credit, and several other credits. High-income taxpayers may face limits on their deductions under Minnesota's alternative minimum tax, which applies at lower thresholds than the federal AMT.
What is Minnesota's minimum wage in 2026?
Minnesota's minimum wage is $11.13/hour in 2026 for large employers (those with $500,000+ in annual revenue), indexed annually to inflation. Smaller employers have a slightly lower minimum. Minneapolis and St. Paul both have higher local minimums — Minneapolis is phasing toward $15.57/hour for large employers in 2026. Minnesota's statewide minimum is well above the federal $7.25/hour floor.