Paycheck Calculator · Minnesota · 2026 Tax Year
Minnesota Paycheck Calculator (2026)
2026 federal brackets + Minnesota state structure (5.35–9.85% (graduated)) + FICA. Single filer, $15,750 federal standard deduction. Reference paycheck at $40K–$200K gross. Last synced 2026-05-05.
TL;DR — Minnesota take-home
Minnesota uses a graduated state income tax — your effective rate runs noticeably below your marginal rate at the BLS-median income tier. On a $100K gross, the federal + state + FICA stack resolves to $73,754.
Cost of living in Minnesota sits near the national baseline, so the $73,754 nominal take-home and $75,028 real take-home are essentially the same purchasing power.
Reference take-home table — Minnesota (2026, single filer)
| Gross W-2 | Federal | State | FICA | Take-home | Effective rate |
|---|---|---|---|---|---|
| $40,000 | $2,662 | $1,360 | $3,060 | $32,918 | 17.7% |
| $60,000 | $5,062 | $2,629 | $4,590 | $47,719 | 20.5% |
| $80,000 | $8,847 | $3,989 | $6,120 | $61,044 | 23.7% |
| $100,000 | $13,247 | $5,349 | $7,650 | $73,754 | 26.2% |
| $130,000 | $20,018 | $7,508 | $9,945 | $92,529 | 28.8% |
| $160,000 | $27,218 | $9,863 | $12,240 | $110,679 | 30.8% |
| $200,000 | $36,818 | $13,003 | $14,283 | $135,895 | 32.1% |
Standard deductions ($15,750 federal + state-specific 2026 figure) applied before bracket math. FICA = SS 6.2% to $183,600 + Medicare 1.45% (+0.9% above $200K). Local taxes (city/county) not in headline numbers.
How Minnesota taxes work — 2026 structure
Graduated brackets — effective rate runs below marginal
Minnesota uses a graduated (progressive) state income tax: 5.35–9.85% (graduated). The first dollars of taxable income hit the lowest bracket; only the highest dollars hit the top rate. Your effective state-tax rate is a weighted average of all brackets your income passes through.
At $100K gross, Minnesota's effective state rate runs noticeably below the top marginal because most of the income is in lower brackets. At $200K, more income clears the top bracket so effective creeps closer to marginal — visible in the reference table's effective-rate column above.
Real take-home — Minnesota cost of living adjusted
| Metric | Minnesota value |
|---|---|
| BEA Regional Price Parity (all-items, 2023) | 98.3 (US = 100) |
| RPP — goods | 102.1 |
| RPP — rents | 90.7 |
| RPP — services | 89.4 |
| $100K gross take-home (nominal) | $73,754 |
| Real take-home (purchasing power) | $75,028 |
Minnesota's overall RPP (98.3) tracks close to the national 100 baseline, so nominal and real take-home stay close — both around the $73,754 mark.
Compared with Minnesota's neighbors at $100K gross
| State | $100K take-home | Effective rate | Page |
|---|---|---|---|
| Minnesota (this page) | $73,754 | 26.2% | — |
| Wisconsin | $74,891 | 25.1% | Wisconsin paycheck → |
| Iowa | $75,902 | 24.1% | Iowa paycheck → |
| North Dakota | $78,380 | 21.6% | North Dakota paycheck → |
| South Dakota | $79,103 | 20.9% | South Dakota paycheck → |
Same single-filer assumptions across all rows. Federal + state + FICA only — local taxes not applied here.
Frequently asked — Minnesota paycheck
- How many state income tax brackets does Minnesota have?
- Minnesota's state income tax: 5.35–9.85% (graduated). Each bracket applies only to income within its threshold range, so your effective rate is a weighted average of brackets 1-N rather than the top rate alone. The income-tier reference table on this page shows effective rates at $40K, $60K, $80K, $100K, $130K, $160K, and $200K.
- What about HSA, dependent care, or transit benefits in Minnesota?
- HSA contributions are pre-tax federally and FICA-exempt (one of the few benefits that reduces FICA), and pre-tax in most states except California and New Jersey (which tax HSA at the state level). Dependent Care FSA up to $5,000/year is pre-tax federally and state in most jurisdictions. Transit/parking benefits up to $315/month (2026) are pre-tax federally. The page calculator doesn't model these — apply them as pre-tax adjustments to gross.
- Are local / city taxes included in this Minnesota paycheck calculator?
- The headline take-home figure includes federal + state + FICA. Local taxes (city, county, municipal occupational, school district) are not applied to the headline number but are flagged separately for the eight states where they materially change take-home: NY (NYC, Yonkers), PA (Philly, Pittsburgh), MI (Detroit + 22 cities), OH (RITA / CCA cities), KY (most counties), MD (all counties), IN (all counties), and AL (Birmingham, Macon, Bessemer).
- How is a paycheck calculated in Minnesota?
- Take-home pay in Minnesota is gross W-2 wages minus federal income tax (2026 single-filer brackets, $15,750 standard deduction), state income tax (5.35–9.85% (graduated)), and FICA (Social Security 6.2% capped at $183,600 wage base + Medicare 1.45% on all wages, plus 0.9% additional Medicare above $200K single-filer). The page calculator and reference tables apply this stack at common income tiers.
- Why does my actual Minnesota paycheck differ from this calculator?
- Common reasons: (1) you're not a single filer (married, head-of-household, MFS — the calculator uses single only); (2) you have pre-tax 401(k), HSA, FSA, or health-plan deductions reducing taxable wages; (3) your local city/county tax applies (calculator excludes those from the headline); (4) you have additional federal/state withholding selected on your W-4; (5) imputed income (group-term life over $50K, etc.) raises taxable wages above your stated salary.
- How current is the tax data on this Minnesota paycheck calculator?
- Federal brackets are 2026 (IRS Rev. Proc. 2023-34, single filer). FICA wage base is the 2026 $183,600 figure. Minnesota state brackets are 2026 single-filer figures sourced from the Minnesota Department of Revenue or Tax Foundation 2026 individual income tax structure summary. Bracket numbers update annually around January; this page is re-synced each tax year. See the methodology · tax page for the complete source list and limitations.
- What's a typical paycheck after taxes in Minnesota on $100K gross?
- At $100,000 gross, Minnesota take-home (single filer, 2026) is approximately $73,754: federal $13,247, state $5,349, FICA $7,650, leaving an effective total tax rate of 26.2%. Local taxes (city / county / municipal) are flagged separately on this page if applicable to Minnesota.
Sources & methodology
- Federal brackets — IRS Rev. Proc. 2025-32, 2026 single-filer tables, $15,750 standard deduction.
- Minnesota state brackets — 2026 Minnesota Department of Revenue / Tax Foundation 2026 individual income tax structure summary. State standard deduction applied where relevant.
- FICA — Social Security 6.2% on wages up to the 2026 wage base of $183,600; Medicare 1.45% on all wages; +0.9% Additional Medicare on wages above $200K (single filer).
- BEA Regional Price Parities — 2023 vintage (all-items, goods, services, rents).
- See the methodology · tax for full computation details and limitations.
Cross-state comparison: see how Minnesota take-home ranks against the other 50 paycheck calculators on the Real Wage Atlas → — four-way ranking by real wage, after-tax take-home, state-tax savings, and cost-of-living arbitrage.