Tax Year 2026Updated July 21, 2026

Minnesota Paycheck Calculator 2026

Q: What taxes are deducted from my Minnesota paycheck?

Your Minnesota paycheck has deductions for federal income tax (10%-37%), FICA (Social Security + Medicare), and Minnesota state income tax using graduated brackets (4 brackets).

Q: How do Minnesota's income tax brackets work?

Minnesota uses a graduated (progressive) income tax with 4 brackets. Each bracket applies only to income within that range, not your entire income. For example, if you earn enough to reach the third bracket, only the income above the second bracket's threshold is taxed at the third bracket's rate.

Q: What tax bracket am I in for Minnesota?

Your Minnesota bracket depends on your taxable income (after deductions) and filing status. The calculator above shows your effective state tax rate, which is usually lower than your marginal bracket rate because lower portions of your income are taxed at lower rates.

Q: Does Minnesota conform to the OBBBA overtime and tips deductions?

No. Minnesota has decoupled from the federal OBBBA deductions for tips and overtime. The federal deductions still reduce your federal taxable income, but Minnesota adds them back, so your state tax on those wages is unchanged. Minnesota does not conform to the OBBBA tips income deduction. Fixed IRC conformity date predates the OBBBA. Tip workers who claim the federal deduction must add the amount back on MN Form M1.

This calculator estimates your take-home pay as a Minnesota worker after federal income tax, FICA, and Minnesota's 4-bracket graduated income tax (rates from 5.35% to 9.85%). Enter your salary, pay frequency, and filing status below.

Minnesota Income Tax Brackets 2026

The rates below apply to taxable income after subtracting Minnesota's standard deduction of $15,300 (single) or $30,600 (MFJ).

Taxable Income	Rate
$0 - $33,310	5.35%
$33,310 - $109,430	6.80%
$109,430 - $203,150	7.85%
Over $203,150	9.85%

Source: Minnesota Tax Authority

How Your Minnesota Paycheck Is Calculated

Gross pay: Your annual salary divided by the number of pay periods.
Federal income tax: 2026 progressive brackets (10%-37%) after the federal standard deduction of $16,100 (single) or $32,200 (MFJ).
Social Security: 6.2% on wages up to $184,500.
Medicare: 1.45% on all wages, plus 0.9% above $200,000 (single).
Minnesota state income tax: 4-bracket progressive system (5.35% to 9.85%).

Minnesota Standard Deduction

Minnesota's standard deduction for 2026 is $15,300 for single filers and $30,600 for married filing jointly. This is subtracted from gross income before Minnesota's tax brackets are applied. Note: the state deduction is separate from and much smaller than the federal standard deduction of $16,100.

Worked Examples

Example 1: $85,000/year - Head of Household, Semi-monthly

Profile: $85,000 annual salary, Head of Household filer, paid semimonthly (24 paychecks/year)

Gross per period: $3,541.67
Federal income tax: -$289.50
Social Security: -$219.58
Medicare: -$51.35
Minnesota state income tax: -$150.89
Net take-home pay: $2,830.35 per paycheck ($67,928/year)
Effective total tax rate: 20.08%

Example 2: $48,000/year - Married Filing Jointly, Monthly

Profile: $48,000 annual salary, Married Filing Jointly filer, paid monthly (12 paychecks/year)

Gross per period: $4,000.00
Federal income tax: -$131.67
Social Security: -$248.00
Medicare: -$58.00
Minnesota state income tax: -$77.58
Net take-home pay: $3,484.75 per paycheck ($41,817/year)
Effective total tax rate: 12.88%

Example 3: $135,000/year - Single, Biweekly

Profile: $135,000 annual salary, Single filer, paid biweekly (26 paychecks/year)

Gross per period: $5,192.31
Federal income tax: -$812.85
Social Security: -$321.92
Medicare: -$75.29
Minnesota state income tax: -$298.63
Net take-home pay: $3,683.62 per paycheck ($95,774/year)
Effective total tax rate: 29.06%

Minnesota Tax Notes

Graduated brackets: 4 brackets from 5.35% to 9.85%.
Supplemental withholding rate: 6.25% for bonuses and supplemental wages.

Minnesota has no local income tax. Some localities (Minneapolis, St. Paul, Duluth, and others) impose additional local sales taxes on top of the 6.875% state rate. Groceries are exempt from the state sales tax rate.

OBBBA Conformity

Minnesota has decoupled from the federal OBBBA deductions. The tips and overtime deductions apply only on your federal return. Minnesota continues to tax those wages at its regular rates.

Frequently Asked Questions

What taxes are deducted from my Minnesota paycheck?

Your Minnesota paycheck has deductions for federal income tax (10%-37%), FICA (Social Security + Medicare), and Minnesota state income tax using graduated brackets (4 brackets).

How accurate is this paycheck calculator?

This calculator estimates take-home pay using 2026 federal and Minnesota state tax rates. It models federal income tax, FICA, and state income tax. It does not include pre-tax deductions (401(k), HSA, health insurance premiums), post-tax deductions, or state-specific payroll taxes (disability insurance, paid leave). Your actual paycheck may differ.

How do Minnesota's income tax brackets work?

Minnesota uses a graduated (progressive) income tax with 4 brackets. Each bracket applies only to income within that range, not your entire income. For example, if you earn enough to reach the third bracket, only the income above the second bracket's threshold is taxed at the third bracket's rate.

What tax bracket am I in for Minnesota?

Your Minnesota bracket depends on your taxable income (after deductions) and filing status. The calculator above shows your effective state tax rate, which is usually lower than your marginal bracket rate because lower portions of your income are taxed at lower rates.

How are bonuses and supplemental wages taxed in Minnesota?

Minnesota withholds state tax on bonuses, commissions, and other supplemental wages at a flat rate of 6.25%. This may differ from your regular withholding rate. At the federal level, supplemental wages are typically withheld at a flat 22% (or 37% above $1 million).

Does Minnesota conform to the OBBBA overtime and tips deductions?

No. Minnesota has decoupled from the federal OBBBA deductions for tips and overtime. The federal deductions still reduce your federal taxable income, but Minnesota adds them back, so your state tax on those wages is unchanged. Minnesota does not conform to the OBBBA tips income deduction. Fixed IRC conformity date predates the OBBBA. Tip workers who claim the federal deduction must add the amount back on MN Form M1.