Minnesota Paycheck Calculator 2026 - MN Take Home Pay Calculator

Minnesota Paycheck Calculator: Calculate Your 2026 Take-Home Pay

Our Minnesota Paycheck Calculator helps you estimate your net (take-home) pay after federal taxes, FICA (Social Security and Medicare), Minnesota state income tax, and pre-tax deductions. Minnesota uses progressive tax brackets ranging from 5.35% to 9.85% with a separate state standard deduction. This tool provides a detailed breakdown of your earnings and deductions for the 2026 tax year. Use our Take Home Paycheck Calculator for a general estimate and the Income Tax Calculator to analyze your federal tax liability.

How Minnesota State Income Tax Works

Minnesota uses a progressive income tax system with four brackets: 5.35%, 6.80%, 7.85%, and 9.85%. The state provides its own standard deduction separate from the federal deduction: $15,300 for single filers, $30,600 for married filing jointly, and $23,000 for head of household. Minnesota has no local income taxes. Very high earners may see the standard deduction phase down, which this estimate does not model.

Key features of Minnesota state income tax:

Progressive rates from 5.35% to 9.85%
Separate state standard deduction ($15,300 single, $30,600 joint, $23,000 HOH)
No local or county income taxes
Standard deduction phases out for very high earners

Federal Tax and FICA Deductions

This calculator applies the 2026 federal income tax brackets based on your filing status. The standard deduction for 2026 is $16,100 for single filers, $32,200 for married filing jointly, and $24,150 for head of household. FICA taxes include Social Security at 6.2%, Medicare at 1.45%, and Additional Medicare at 0.9% for high earners.

How This Is Calculated

This calculator is based on 2026 IRS federal tax brackets and FICA, plus each state's latest published income-tax schedule. Minnesota's tax is calculated by applying the progressive brackets to your income after the state standard deduction. Pre-tax deductions (401(k), HSA, health premiums) reduce your taxable income before federal and state taxes are applied.

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Frequently Asked Questions

What is the Minnesota state income tax rate for 2026?

Minnesota uses a progressive income tax system with four brackets for 2026: 5.35% on income up to $33,310 (single), 6.80% on income from $33,311 to $109,430, 7.85% on income from $109,431 to $203,150, and 9.85% on income over $203,150. Brackets vary by filing status and are adjusted annually for inflation.

Does Minnesota have a state standard deduction?

Yes, Minnesota provides its own standard deduction separate from the federal deduction. For 2026, the amounts are $15,300 for single filers and married filing separately, $30,600 for married filing jointly, and $23,000 for head of household. This is applied before calculating state income tax.

Does Minnesota have local income taxes?

No, Minnesota does not have any local or county income taxes. All state income tax is collected at the state level by the Minnesota Department of Revenue. Some cities may have other local taxes, but none apply to wage withholding.

How does pay frequency affect my Minnesota tax withholding?

Your total annual tax liability depends on your annual income, not how often you are paid. Changing from biweekly to monthly simply divides the same annual take-home into fewer, larger payments. Annual totals remain the same regardless of pay frequency.

Does Minnesota tax Social Security and retirement income?

Minnesota taxes Social Security benefits to the extent they are taxed at the federal level. However, Minnesota offers a subtraction for a portion of Social Security benefits based on your income level. Retirement account distributions from 401(k) and IRA accounts are generally subject to Minnesota income tax.

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Minnesota Paycheck Calculator

Minnesota Paycheck Calculator: Calculate Your 2026 Take-Home Pay

How Minnesota State Income Tax Works

Federal Tax and FICA Deductions

How This Is Calculated

Frequently Asked Questions

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