Minnesota Take-Home Pay Calculator 2026
Quick Answer: In 2026, Minnesota has a progressive income tax from 5.35% to 9.85%. On a gross annual salary of $75,000, a single W-2 filer takes home approximately $58,016, while married joint filers take home about $62,247. Use the paycheck calculator below to estimate your exact net earnings.
What is the state tax in Minnesota?
Minnesota levies a progressive income tax from 5.35% to 9.85% on W-2 wages. Standard deduction shields a portion from tax.
What do you keep on a $75,000 salary?
Single W-2 filers retain about 77.4% of their gross paycheck, leaving $58,016 net.
How does FICA payroll tax apply?
A flat 6.2% is deducted for Social Security (up to $184,500) and 1.45% is deducted for Medicare.
Are OBBBA tax shelters applicable?
Yes. The federal overtime tax deduction helps W-2 earners shield their half-time overtime premiums from income tax.
How Does Minnesota Tax Your Paycheck in 2026?
Your net take-home pay depends on federal income tax brackets, FICA payroll taxes, and state income tax codes. Minnesota has a progressive income tax from 5.35% to 9.85% on personal wages. Standard deductions for 2026 are set at $15 300 for single W-2 filers and $30 600 for married joint filers, which reduce taxable income before tax brackets apply.
Federally, tax brackets are progressive, ranging from 10% to 37% (Rev. Proc. 2025-32). FICA taxes are also flat, with 6.2% Social Security (up to $184,500) and 1.45% Medicare.
What Are the Minnesota Progressive Tax Brackets?
| Bracket Rate | Single Taxable Range |
|---|---|
| 5.35% | $0 to $33,310 |
| 6.80% | $33,310 to $109,430 |
| 7.85% | $109,430 to $203,150 |
| 9.85% | Over $203,150 |
What Do You Keep: Paycheck Breakdown in Minnesota?
The table below outlines how much you keep at different gross annual salaries. These calculations assume a single W-2 filer with a standard deduction and no pre-tax retirement or health insurance contributions:
| Gross Salary | Federal Tax | State Tax | FICA | Take-Home Pay | Effective Rate |
|---|---|---|---|---|---|
| $50,000 | $3,820 | $1,877 | $3,825 | $40,478 | 19.0% |
| $75,000 | $7,670 | $3,577 | $5,738 | $58,016 | 22.6% |
| $100,000 | $13,170 | $5,277 | $7,650 | $73,903 | 26.1% |
| $150,000 | $24,734 | $8,942 | $11,475 | $104,849 | 30.1% |
- Federal tax$13,17013%
- Minnesota tax$5,2775%
- FICA$7,6508%
- Take-home$73,90374%
- Gross$100,000
What Minnesota-specific taxes affect your paycheck?
Minnesota applies a graduated state income tax with rates ranging from 5.35% to 9.85% across four brackets. Unlike some states, no Minnesota city levies a local or occupational income tax, so your only income-tax withholding is federal and state. The state withholding form is the W-4MN, which you complete in addition to the federal W-4 to set your Minnesota allowances.
Paid Leave and other 2026 deductions
A key change for 2026 is Minnesota Paid Leave (PFML), the state's paid family and medical leave program, which is now live and funded partly by an employee payroll premium with a combined 0.88% rate. This deduction appears on Minnesota paychecks in 2026 and is missing from many older calculators. Benefit amounts are tied to the state average weekly wage of $1,423 (source: pl.mn.gov). Supplemental and bonus pay is withheld at Minnesota's flat 6.25% rate.
Employer and cross-border details
The Minnesota unemployment (SUI/SUTA) taxable wage base is $44,000 per employee for 2026, paid by employers, not deducted from worker pay. Minnesota has income-tax reciprocity with Michigan and North Dakota, so residents of those states working in Minnesota can avoid Minnesota withholding by filing the proper exemption. The state minimum wage is adjusted annually for inflation. For context, Minnesota's median household income was about $89,062 (Census, in 2024 dollars). Minnesota's 2026 standard deduction is $15,300 for single filers and $30,600 for married couples filing jointly.
How Do You Calculate Your Minnesota Paycheck Step-by-Step?
Want to calculate your paycheck manually? Follow this ordered step-by-step list:
- Determine your gross annual wages (or wages per pay period).
- Subtract pre-tax deductions like traditional 401(k) contributions (up to $23,500) and health premiums.
- Subtract your federal standard deduction ($16,100 for single filers, $32,200 for married joint filers) to find your federal taxable income.
- Apply progressive 2026 federal income tax brackets to calculate your federal tax.
- Subtract your state standard deduction (if any) to find state taxable income, and apply the flat rate or progressive brackets of Minnesota.
- Compute FICA payroll taxes: 6.2% for Social Security on wages up to $184,500, and 1.45% for Medicare.
- Subtract all calculated taxes and FICA from your gross pay to find your net take-home salary.
How Does the 2026 Federal Deduction Affect Overtime in Minnesota?
Under the federal OBBBA overtime tax deduction (valid for tax years 2025 through 2028), the 0.5x premium portion of your time-and-a-half overtime rate is exempt from federal income tax. This deduction is capped at $12,500 for single W-2 filers and $25,000 for married couples filing jointly. You still owe FICA and state income taxes on this premium portion. To calculate your overtime premium tax savings, visit our dedicated No Tax on Overtime Calculator.
How Does Minnesota Compare to Neighboring States?
Comparing income taxes across neighboring states helps evaluate job offers and geographical cost advantages: