Minnesota Paycheck Calculator
Calculate your take-home pay in Minnesota. See how federal tax, MN state tax (5.35% to 9.85% (4 brackets)), Social Security, and Medicare affect your paycheck. Free, instant, private.
Minnesota Paycheck Calculator
Your Take-Home Pay Per Paycheck
$2,221.85
Bi-Weekly (26) · $57,768/year · Effective Rate: 25.7%
Gross Pay
$77,706
$2,988.69/check
Federal Tax
-$8,709
11.2% eff.
MN State Tax
-$5,284
6.8% eff.
FICA
-$5,945
SS + Medicare
Net Take-Home
$57,768
74.3% kept
Pay Breakdown
| Item | Per Paycheck | Annual |
|---|---|---|
| Gross Pay | $2,988.69 | $77,706.00 |
| Federal Income Tax | -$334.97 | -$8,709.32 |
| Minnesota State Tax | -$203.23 | -$5,284.01 |
| Social Security (6.2%) | -$185.30 | -$4,817.77 |
| Medicare (1.45%) | -$43.34 | -$1,126.74 |
| Net Take-Home Pay | $2,221.85 | $57,768.16 |
Minnesota Income Tax Overview
Minnesota has a four-bracket progressive income tax with rates from 5.35% to 9.85%. The top rate of 9.85% is among the highest in the nation. Despite the higher tax rates, Minnesota offers a strong quality of life, excellent public services, and a robust economy. The cost of living is near the national average at 97%. Minnesota consistently ranks among the top states for quality of life, education, and healthcare. Major employers include Target, UnitedHealth, 3M, and Best Buy.
Minnesota Tax Details
Minnesota has 4 tax brackets: 5.35% up to $31,690, 6.8% to $104,090, 7.85% to $183,340, and 9.85% above that (single filers). Standard deduction is $14,575 (single) or $29,150 (married). Minnesota partially taxes Social Security benefits but offers a subtraction for lower-income filers. The state indexes brackets for inflation annually.
State Tax Rate
6.8%
Median Income
$77,706
Minimum Wage
$11.13/hr
Cost of Living
97%
How the Minnesota Paycheck Calculator Works
This calculator estimates your take-home pay in Minnesota by deducting federal income tax, Minnesota state income tax (5.35% to 9.85% (4 brackets)), Social Security (6.2% up to $176,100), and Medicare (1.45% plus 0.9% surtax on high earners).
Start with Gross Salary
Your total annual compensation before any deductions.
Apply Standard Deduction
$15,000 for single filers (2026).
Calculate Federal Tax
Using 2026 marginal tax brackets: 10%, 12%, 22%, 24%, 32%, 35%, 37%.
Add MN State Tax
Minnesota taxes at 5.35% to 9.85% (4 brackets). We use the effective rate of 6.8%.
Deduct FICA Taxes
Social Security (6.2% up to $176,100) + Medicare (1.45% on all income).
Note: This calculator provides estimates. Actual take-home pay may vary based on pre-tax deductions (401k, health insurance), local taxes, and other withholding adjustments.
Minnesota Cost of Living
Minnesota's cost of living index is 97 (national average = 100). This means living in Minnesota is 3% less expensive than the national average. A salary of $77,706 in Minnesota has the equivalent purchasing power of about $80,109 in an average-cost area.
Your Salary's Purchasing Power
Your $57,768 annual take-home pay in Minnesota has the purchasing power of approximately $59,555 in an average-cost area.
Minnesota Minimum Wage
The minimum wage in Minnesota is $11.13 per hour as of 2026. This is $3.88 above the federal minimum wage of $7.25/hour. A full-time minimum wage worker in Minnesota (40 hours/week) earns approximately $23,150 per year before taxes.
Hourly
$11.13
Weekly (40h)
$445
Monthly
$1,929
Annual
$23,150
Compare Minnesota to Nearby States
See how Minnesota's tax rates and cost of living compare to neighboring states.
| State | Income Tax | Min Wage | Cost of Living | Median Income |
|---|---|---|---|---|
| Minnesota | 6.8% | $11.13 | 97% | $77,706 |
| Wisconsin | 5.3% | $7.25 | 93% | $66,030 |
| Iowa | 3.8% | $7.25 | 90% | $65,573 |
| South Dakota | None | $11.50 | 92% | $63,920 |
| North Dakota | 1.95% | $7.25 | 90% | $68,131 |
Tips to Maximize Your Take-Home Pay in Minnesota
- Maximize pre-tax contributions to your 401(k) or 403(b). In 2026, you can contribute up to $23,500 ($31,000 if over 50), reducing your taxable income and both federal and state taxes.
- Use an HSA if you have a high-deductible health plan. HSA contributions ($4,300 individual, $8,550 family in 2026) are pre-tax and reduce your paycheck deductions.
- Use a Dependent Care FSA if you have childcare expenses. You can set aside up to $5,000 pre-tax to pay for daycare or after-school care.
- Consider state-specific deductions. Minnesota has a relatively high income tax rate (5.35% to 9.85% (4 brackets)). Check if you qualify for any state-specific tax credits or deductions that can lower your MN tax burden.
- Review your W-4 withholding. If you regularly get large tax refunds, you are giving the IRS an interest-free loan. Adjust your W-4 to keep more money in each paycheck throughout the year.
Explore All 50 State Paycheck Calculators
Compare take-home pay across all US states. Find out which states offer the best after-tax income for your salary level.
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Frequently Asked Questions
How much tax do I pay in Minnesota?
In Minnesota, you pay both federal and state income taxes plus FICA. The state income tax rate is 5.35% to 9.85% (4 brackets). On a $77,706 salary filing single, your combined effective tax rate would be approximately 25.7%.
What is the minimum wage in Minnesota?
The minimum wage in Minnesota is $11.13 per hour as of 2026. This equals approximately $23,150.4 per year for a full-time worker (40 hours/week, 52 weeks/year). The federal minimum wage is $7.25/hour, and Minnesota requires employers to pay the higher state rate.
What is the cost of living in Minnesota?
Minnesota's cost of living index is 97, meaning it is 3% less expensive the national average. The median household income is $77,706. This is near the national average, offering balanced affordability.
How does Minnesota's income tax compare to other states?
Minnesota's income tax structure is 5.35% to 9.85% (4 brackets). This is a moderate income tax rate compared to other states. For comparison, nine states have no income tax at all, while California has the highest top rate at 13.3%.