Minnesota Take-Home Pay Calculator

Minnesota paychecks usually include federal income tax, Social Security, Medicare, and Minnesota state income tax withholding. Minnesota uses progressive income tax brackets, so higher taxable income can fall into higher state tax brackets. Form W-4MN and the federal W-4 can also affect how much tax is withheld from each paycheck.

• Federal income tax depends on income, filing status, pay frequency, and withholding choices.
• Social Security and Medicare are federal payroll taxes.
• Minnesota uses progressive state income tax brackets.
• Minnesota's top marginal income tax rate is 9.85%.
• Form W-4MN affects Minnesota withholding.
• Filing status can affect Minnesota state tax estimates.
• Minnesota paycheck estimates usually do not require a separate city income tax estimate.

Benefits, bonuses, garnishments, and employer setup can change pay.

Minnesota has a progressive individual income tax with rates of 5.35%, 6.80%, 7.85%, and 9.85% for 2026. Lower taxable income is taxed at lower rates, while higher income can reach the 9.85% top bracket.

This calculator estimates the state income tax portion of your paycheck using Minnesota's 2026 brackets for single, married filing jointly, and head-of-household filing statuses. Actual withholding can still vary based on Form W-4MN, payroll timing, deductions, credits, and employer payroll settings.

Form W-4MN is the Minnesota Employee Withholding Certificate. It is the Minnesota equivalent of the federal W-4 and helps your employer determine how much Minnesota income tax to withhold from your pay.

If your W-4MN is missing, outdated, or does not match your current situation, your Minnesota paycheck withholding may be too high or too low.

Minnesota has one of the higher top marginal state income tax rates in the country. For 2026, the top Minnesota rate is 9.85%.

Most workers do not pay that rate on every dollar of income. It only applies to income that falls into the top bracket, which is why a bracket-based estimate is better than using one flat Minnesota rate.

Minnesota paycheck estimates usually do not need a separate city income tax estimate. This calculator focuses on federal payroll taxes and Minnesota state income tax.

Your actual paycheck may still include employer-specific deductions, benefits, insurance, retirement contributions, garnishments, or other payroll items.

Bonus pay and overtime can make a Minnesota paycheck look different from a regular paycheck. Overtime increases taxable wages, and bonus checks may have different withholding treatment depending on how payroll processes the payment.

Overtime can also push more income into a higher withholding range, but it is still part of regular taxable pay.

Your actual Minnesota paycheck may differ because of Form W-4MN, federal W-4 settings, filing status, health insurance, retirement contributions, pre-tax deductions, bonuses, overtime, garnishments, or employer payroll settings.

Minnesota Form W-4MN settings and employer payroll tables can make the actual check differ from this bracket-based estimate.