Minnesota Take-Home Pay Calculator (2026)
EstimateBy Maria Thompson, CPA · Reviewed by Robert Johnson, CPA, JD-Tax · Updated May 8, 2026 · Methodology
See estimated take-home pay in Minnesota (MN) after federal income tax, FICA (Social Security and Medicare), and state income tax for 2026. Use the indexed benchmarks below or open a specific salary page for breakdown, paystub view, and worked examples.
How Minnesota taxes your paycheck
Minnesota uses a four-bracket progressive income tax from 5.35% to 9.85%, with the top bracket beginning at approximately $193,000 single / $321,000 joint—one of the highest state top rates outside the coasts—and a statewide Paid Family and Medical Leave program launching in 2026.
Minnesota has no city or county income taxes on wages, but the upcoming PFML payroll contribution (effective 2026) will add about 0.7% split between employer and employee, and Minnesota fully taxes Social Security benefits for higher-income retirees.
Why this matters: Minnesota added a new top bracket of 9.85% in 2013 (originally a temporary high-income surcharge) that became permanent and applies starting at approximately $193,000 for single filers, making it one of the highest state top rates in the Midwest.
Estimated take-home pay by salary in Minnesota
The table below shows estimated annual, monthly, and biweekly net pay after federal income tax, FICA, and state income tax for common salary milestones.
| Annual salary | Annual net | Monthly net | Biweekly net | Effective tax |
|---|---|---|---|---|
| $40,000 | $31,924 | $2,660 | $1,228 | 20.2% |
| $60,000 | $46,894 | $3,908 | $1,804 | 21.8% |
| $75,000 | $56,797 | $4,733 | $2,184 | 24.3% |
| $100,000 | $73,009 | $6,084 | $2,808 | 27.0% |
| $150,000 | $104,737 | $8,728 | $4,028 | 30.2% |
All indexed salary benchmarks for Minnesota
Open any benchmark page for a full breakdown, paystub-style table, and links to nearby salary points and comparable states.
Local income tax notes — Minnesota
Minnesota does not have notable city or county wage income taxes beyond the standard state withholding.
Minnesota tax facts at a glance
| Abbreviation | MN |
| Tax structure | Progressive state income tax up to 9.85% |
| Top marginal rate | 9.85% |
| Filing deadline | April 15 |
| State revenue agency | Minnesota Department of Revenue |
Minnesota Take-Home Pay FAQs
Does Minnesota have a state income tax?
Yes. Minnesota uses a four-bracket progressive income tax from 5.35% to 9.85%, with the top bracket beginning at approximately $193,000 single / $321,000 joint—one of the highest state top rates outside the coasts—and a statewide Paid Family and Medical Leave program launching in 2026.
What is the top state income tax rate in Minnesota?
Minnesota uses a progressive state income tax with a top marginal rate of 9.85% on the highest-income brackets.
Are there any local income taxes in Minnesota?
No notable local wage income taxes apply in this state beyond the standard state withholding.
How much is $75,000 after taxes in Minnesota?
On a $75,000 salary in Minnesota, estimated take-home pay is about $4,733 per month and $2,184 biweekly after federal income tax, FICA, and state income tax.
Does Minnesota have wage reciprocity with other states?
Minnesota does not have publicly listed wage reciprocity agreements with other states. Cross-border commuters typically file in both the state of residence and the state of work.
Methodology & Data Quality
This take-home pay calculator for Minnesota is a planning tool. We publish how estimates are computed so results are easy to audit.
Last reviewed: February 9, 2026
How we calculate
- Estimate federal income tax from the 2026 progressive bracket model with the standard deduction baseline.
- Estimate FICA as Social Security (6.2% to the wage base) plus Medicare (1.45% with no cap).
- Estimate Minnesota state tax from a representative effective rate within the progressive bracket up to 9.85%.
Assumptions
- Single-filer standard deduction baseline is used for planning.
- State tax modeling is simplified and does not replace a full state-form simulation.
- Results are annualized and converted to monthly and biweekly net pay.
Limitations
- Local taxes (e.g., NYC, Philadelphia, Detroit), credits, itemized deductions, and pre-tax benefits are not fully modeled.
- Actual payroll withholding can differ by employer payroll setup and pay frequency.
- Use payroll records or a tax professional for filing-level accuracy.