Minnesota Paycheck Calculator 2026 – Salary & Take-Home Pay

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How your Minnesota paycheck is calculated

Your employer starts with your gross pay, removes pre-tax benefits, withholds federal and Minnesota income tax, the Paid Leave premium, Social Security and Medicare, takes after-tax deductions and pays you the rest.

1. Gross paySalary, or hours × rate, plus overtime, bonuses and tips
2. Pre-tax deductions401(k), health premiums, HSA, FSA, commuter benefits
3. TaxesFederal income tax, Minnesota income tax, Paid Leave, Social Security and Medicare
4. After-tax deductionsRoth 401(k), union dues, garnishments
5. Net payThe take-home amount paid to you

What is taken out of a Minnesota paycheck in 2026

Minnesota income tax brackets for 2026

The 2026 brackets were raised 2.37% for inflation (Minnesota Department of Revenue figures, via VitalLaw):

Before the rates apply, Minnesota subtracts a standard deduction of $15,300 for single filers, $30,600 for joint filers and $23,000 for heads of household, and a $5,300 exemption for each dependent (2025: $14,950, $29,900, $22,500 and $5,200). Both shrink at very high incomes. Minnesota starts from federal adjusted gross income, so traditional 401(k) contributions, health premiums, HSA and FSA contributions lower your Minnesota tax too.

A single filer earning $100,000 has $84,700 of Minnesota taxable income. The tax is $5,276.61, about 5.3% of gross pay, one of the higher state tax bills for that income.

Minnesota Paid Leave premium (new in 2026)

Minnesota Paid Leave started on January 1, 2026. It pays benefits when you take time off for your own serious health condition, a new child, a sick family member or certain military and safety reasons. The premium is 0.88% of wages for 2026 and 2027, and employers can deduct up to half of it, 0.44%, from your pay (Minnesota Paid Leave). It applies to wages up to the Social Security wage base, so on a $100,000 salary it is $440 a year. Many employers pay the whole premium, and small employers pay a lower total rate; the calculator shows the full employee share.

Tips and overtime in Minnesota

Minnesota's tax code is tied to the federal law as of May 2023, so the new federal deductions for tips and overtime do not apply. Lawmakers debated adding them in 2026, at an estimated cost of $492 million over two years, but the session ended without a change (Carry). Tips and overtime are fully taxed by Minnesota for 2025 and 2026.

Federal taxes on every Minnesota paycheck

Federal income tax depends on your income, filing status and the choices on your W-4. For 2026 the brackets run from 10% to 37%, and the standard deduction is $16,100 for single filers, $32,200 for joint filers and $24,150 for heads of household (IRS).

• Social Security: 6.2% of wages up to $184,500 in 2026, a maximum of $11,439 (SSA).
• Medicare: 1.45% of all wages. Employers also withhold an extra 0.9% on wages above $200,000 in a year.

Take-home pay examples in Minnesota for 2026

These results come from the calculator above for a single filer paid monthly, with no pre-tax deductions:

A married couple filing jointly on $150,000 of combined pay takes home about $115,112 a year (23.3% in total taxes). With two children under 17, a couple earning $100,000 takes home about $85,378. An hourly worker on $25 an hour, 40 hours a week, earns $52,000 and takes home about $41,721 a year, or $3,477 a month.

Minnesota take-home pay compared with nearby states

On a $100,000 salary, a single filer keeps about $73,463 in Minnesota, $76,032 in Iowa and $74,375 in Illinois. Minnesota's top rate of 9.85% is one of the highest in the country, but most middle-income workers pay 6.8% on income above about $33,000. Compare with our Iowa and Illinois paycheck calculators.

Live in Minnesota but work in North Dakota or Michigan, or the reverse? Minnesota has reciprocal agreements with Michigan and North Dakota, so you pay income tax only to the state where you live. Minnesota and Wisconsin no longer have an agreement, so cross-border workers pay tax to the state where they work and claim a credit at home.

Paychecks in Minneapolis, St. Paul and Rochester

No Minnesota city or county taxes wages, so the same salary gives the same take-home pay in Minneapolis, St. Paul, Rochester, Duluth, Bloomington and everywhere else in the state. Minneapolis and St. Paul do set their own minimum wages, which are higher than the state rate.

How bonuses, overtime and tips are taxed in Minnesota

• Bonuses: Employers usually withhold a flat 22% federal tax and 6.25% Minnesota tax on bonuses, plus Social Security, Medicare and Paid Leave. Your real tax is settled when you file. On a $100,000 salary you keep about $6,311 of a $10,000 bonus. See the bonus tax calculator.
• Overtime: Minnesota law requires overtime after 48 hours a week, but most employers are also covered by the federal rule of 1.5 times pay after 40 hours. Overtime is fully taxed by Minnesota. See the overtime calculator.
• Tips: Minnesota does not allow a tip credit, so tipped workers get the full minimum wage plus their tips. Tips are deductible from federal tax but fully taxed by Minnesota.

How pre-tax deductions lower your Minnesota taxes

Salary or hourly pay in Minnesota

For hourly pay, multiply your rate by your weekly hours and by 52. A full-time year is 2,080 hours. The Minnesota minimum wage is $11.41 an hour in 2026 for all employers, or $23,733 a year full time (Minnesota Department of Labor and Industry). A single full-time worker on $11.41 an hour takes home about $20,598 a year. Minneapolis and St. Paul require higher local minimum wages.

If you are fired, Minnesota employers must pay your final wages within 24 hours of your demand. If you quit, they are due on the next regular payday (or within 20 days if that is sooner).

Why your actual paycheck may differ from this estimate

• This calculator estimates your tax for the full year. Employers withhold using the Minnesota withholding tables and your W-4 and W-4MN, so each check can be a little higher or lower.
• Your employer may pay part or all of the Paid Leave premium for you.
• Minnesota credits such as the child tax credit and working family credit are claimed when you file, not through your paycheck.
• Social Security and Paid Leave stop once your wages pass the Social Security wage base, so late-year paychecks of high earners are larger.

How to increase your take-home pay in Minnesota

• Check your federal withholding with the IRS Tax Withholding Estimator and update your W-4 and Minnesota W-4MN after a raise, a new job or a change in your family.
• Use pre-tax benefits such as a 401(k), HSA, FSA and commuter benefits. Each dollar saves federal tax and 5.35% to 9.85% Minnesota tax.
• Families with children should check the Minnesota child tax credit, worth up to $1,750 per child for lower and middle incomes in 2025, which is claimed when you file.

How this calculator works

The calculator estimates your full-year tax and divides it by your pay periods. It uses the 2026 federal brackets and standard deduction (Rev. Proc. 2025-32, including the 2025 tax law changes), the 2025 and 2026 Minnesota brackets, standard deduction and dependent exemption, the employee share of the Minnesota Paid Leave premium and the 2026 Social Security wage base. For joint filers, enter combined household wages. Results are estimates, not tax advice.

Last reviewed: October 29, 2026.