Minnesota Paycheck Calculator 2026: MN Brackets, FICA & $11.41 Min Wage
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 quick answer
Minnesota 2026 paycheck estimates should use the indexed state bracket table, not stale 2024 thresholds. Salario now applies the 2026 Minnesota brackets, the $15,300 single / $30,600 married filing jointly standard deduction, federal tax, Social Security, Medicare, and the $11.41 statewide minimum wage.
MN brackets
5.35%-9.85%
Official 2026 bracket table
Standard deduction
$15,300 / $30,600
Single / married filing jointly
Minimum wage
$11.41/hr
Statewide Jan. 1, 2026 rate
Local wage rules
Minneapolis / St. Paul
May require higher hourly wage
Minnesota Paycheck Calculator
Your Take-Home Pay Per Paycheck
$2,297.52
Bi-Weekly (26) · $59,736/year · Effective Rate: 23.1%
Gross Pay
$77,706
$2,988.69/check
Federal Tax
-$8,265
10.6% eff.
MN State Tax
-$3,761
4.8% eff.
FICA
-$5,945
SS + Medicare
Net Take-Home
$59,736
76.9% kept
Pay Breakdown
| Item | Per Paycheck | Annual |
|---|---|---|
| Gross Pay | $2,988.69 | $77,706.00 |
| Federal Income Tax | -$317.90 | -$8,265.32 |
| Minnesota State Tax | -$144.64 | -$3,760.61 |
| Social Security (6.2%) | -$185.30 | -$4,817.77 |
| Medicare (1.45%) | -$43.34 | -$1,126.74 |
| Net Take-Home Pay | $2,297.52 | $59,735.56 |
2026 Minnesota Paycheck Examples
Use these single-filer examples to sanity-check the calculator before changing inputs. They use 26 biweekly paychecks, the 2026 federal standard deduction, Social Security up to the $184,500 wage base, Medicare, and the MN state model shown on this page.
| Scenario | Gross Salary | Biweekly Take-Home | MN Tax | Total Tax Rate |
|---|---|---|---|---|
| $50,000 salary | $50,000 | $1,556.86 | $1,876.61 | 19.0% |
| Minnesota median | $77,706 | $2,297.52 | $3,760.61 | 23.1% |
| $100,000 salary | $100,000 | $2,842.44 | $5,276.61 | 26.1% |
| $150,000 salary | $150,000 | $4,032.66 | $8,941.94 | 30.1% |
Model note: Minnesota uses 5.35% to 9.85% (4 brackets) in this fast paycheck model. Benefits, pre-tax retirement, health insurance, local wage taxes, and exact withholding elections can change the real paycheck.
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 for 2026: 5.35% up to $33,310, 6.8% to $109,430, 7.85% to $203,150, and 9.85% above that for single filers. Married filing jointly thresholds are $48,700, $193,480, and $337,930. The 2026 standard deduction is $15,300 single and $30,600 married filing jointly. Minnesota's statewide minimum wage is $11.41/hour as of Jan. 1, 2026, while Minneapolis and St. Paul can require higher local rates.
State Tax Rate
6.8%
Median Income
$77,706
Minimum Wage
$11.41/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 $184,500), 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
$16,100 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 6.8% as the calculator estimate.
Deduct FICA Taxes
Social Security (6.2% up to $184,500) + 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 $59,736 annual take-home pay in Minnesota has the purchasing power of approximately $61,583 in an average-cost area.
Minnesota Minimum Wage
The minimum wage in Minnesota is $11.41 per hour as of 2026. This is $4.16 above the federal minimum wage of $7.25/hour. A full-time minimum wage worker in Minnesota (40 hours/week) earns approximately $23,733 per year before taxes.
Hourly
$11.41
Weekly (40h)
$456
Monthly
$1,978
Annual
$23,733
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% | $11.41 | 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 $24,500 ($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 ($4,400 individual, $8,750 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.
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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 23.4%.
What is the minimum wage in Minnesota?
The minimum wage in Minnesota is $11.41 per hour as of 2026. This equals approximately $23,732.8 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%.
What Minnesota income tax brackets does Salario use for 2026?
Salario uses the official Minnesota 2026 bracket table: single filers pay 5.35% to $33,310, 6.80% to $109,430, 7.85% to $203,150, and 9.85% above $203,150. Married filing jointly thresholds are $48,700, $193,480, and $337,930.
What Minnesota standard deduction is used in the paycheck estimate?
The Minnesota state-tax estimate uses the 2026 Minnesota standard deduction: $15,300 for single filers, $30,600 for married filing jointly, and $23,000 for head of household. This is separate from the federal standard deduction used for federal tax.
What is the Minnesota minimum wage in 2026?
Minnesota DLI lists the statewide minimum wage at $11.41 per hour effective January 1, 2026. Minneapolis and St. Paul have local minimum-wage ordinances that can require higher rates for work performed in those cities.