Minnesota Paycheck Calculator 2026 – Estimate Your Take-Home Pay
Use our free Minnesota Paycheck Calculator to estimate your net pay for the 2026 tax year. This tool acts as a MN net pay calculator by computing Federal withholding, FICA taxes, and Minnesota income tax (based on the 4 progressive tax brackets ranging from 5.35% to 9.85%). Whether you are a salaried employee or need a Minnesota hourly paycheck calculator, this tool helps you understand your payroll deductions clearly.
- State Tax Rate: 5.35% – 9.85% (Progressive)
- Federal Tax: 10% – 37% (Based on brackets)
- Social Security: 6.2%
- Medicare: 1.45%
How the Minnesota Paycheck Calculator Works
Our Minnesota gross to net calculator uses the latest 2026 tax formulas to convert your salary into take-home pay. We start with your gross earnings and subtract:
- Federal Withholding: Based on your W-4 filing status.
- FICA Taxes: Mandatory contributions for Social Security (6.2%) and Medicare (1.45%).
- Minnesota State Tax: Calculated using the specific 4-tier bracket system applicable to your taxable income.
Minnesota Income Tax Brackets (2026)
Minnesota uses a progressive income tax system with four brackets. This makes the Minnesota income tax calculator logic more detailed than flat-tax states.
Single Filer Brackets
| Taxable Income Range | Tax Rate |
|---|---|
| $0 – $29,090 | 5.35% |
| $29,091 – $95,370 | 6.80% |
| $95,371 – $176,050 | 7.85% |
| Over $176,050 | 9.85% |
Note: For Married Filing Jointly, brackets generally widen significantly, doubling for lower tiers.
Federal Taxes That Apply to Your Paycheck
Federal Income Tax
The IRS imposes a progressive tax ranging from 10% to 37%. Your specific rate depends on your filing status and total taxable income.
Social Security & Medicare (FICA)
Every Minnesota paystub calculator includes FICA. This deducts 6.2% of your gross pay for Social Security (up to the wage limit) and 1.45% for Medicare (on all earnings).
Minnesota Paycheck After Taxes for $65,000 Salary
If you are a single filer in Minneapolis or St. Paul earning $65,000 per year, your breakdown looks like this:
| Tax Description | Amount |
|---|---|
| Federal Tax (Est.) | $6,900 |
| FICA (7.65%) | $4,972 |
| State Tax (Est.) | $3,980 |
| Estimated Take-Home Pay | $49,148 |
Minimum Wage & Cost of Living
Minnesota has different minimum wage tiers based on employer size ($10.85+ per hour for large employers in 2024/25). The cost of living in Minnesota is generally moderate, with the Twin Cities area being higher than rural regions.
How to Increase Your Take-Home Pay
To maximize your Minnesota salary calculator results, ensure your W-4 form is accurate. Contributing to pre-tax retirement accounts (401k/403b) reduces your taxable income, potentially dropping you into a lower 6.8% or 5.35% tax bracket.
FAQs – Minnesota Paycheck Calculator
What is the income tax rate in Minnesota for 2026?
Minnesota tax rates range from 5.35% to 9.85%. The lowest rate of 5.35% applies to the first ~$29,000 of taxable income for single filers.
Does Minnesota tax overtime pay?
Yes, overtime pay is treated as regular income and is subject to both federal and Minnesota state income taxes.
Are there local city taxes in Minnesota?
No. Minnesota cities do not impose a local personal income tax on wages.