Calculate your take-home pay in The North Star State. Minnesota income tax rate: 9.85%.
Minnesota has one of the highest income tax rates in the nation with four brackets ranging from 5.35% to 9.85%. The standard deduction closely mirrors the federal amount. Minnesota has no local income taxes but does have relatively high property taxes.
| Item | Per Paycheck | Monthly | Annual |
|---|---|---|---|
| Gross Pay | - | - | - |
| Federal Income Tax | - | - | - |
| Minnesota State Tax | $0 | $0 | $0 |
| Social Security | - | - | - |
| Medicare | - | - | - |
| 401(k) + Pre-Tax | - | - | - |
| Take-Home Pay | - | - | - |
Minnesota has a progressive income tax with a top rate of 9.85%. This calculator estimates your take-home pay after federal income tax, state income tax, Social Security, Medicare, and any pre-tax deductions like 401(k) contributions. Enter your salary or hourly wage above to see a detailed breakdown of your paycheck.
Minnesota has one of the highest income tax rates in the country, with four brackets: 5.35%, 6.8%, 7.85%, and 9.85%. The top rate applies to income above $193,480 for single filers. Despite high taxes, Minnesota consistently ranks near the top in quality of life metrics including healthcare, education, and infrastructure. The state taxes Social Security benefits but offers a subtraction for lower-income recipients.
Regardless of state taxes, all Minnesota workers pay federal income tax using the 2026 brackets: 10% on the first $11,925 of taxable income (single), 12% up to $48,475, 22% up to $103,350, 24% up to $197,300, 32% up to $250,525, 35% up to $626,350, and 37% on income above that. The standard deduction is $15,000 for single filers and $30,000 for married filing jointly in 2026.
All workers in Minnesota pay Social Security tax at 6.2% on wages up to $176,100 (2026) and Medicare tax at 1.45% on all wages. An additional 0.9% Medicare surtax applies to wages over $200,000 for single filers. These federal payroll taxes apply uniformly regardless of which state you live in.
Pre-tax deductions reduce your taxable income for both federal and state purposes. Contributing to a 401(k) (up to $24,500 in 2026, plus $8,000 catch-up if 50+) lowers both your federal and MN state tax bill. Health Savings Account (HSA) contributions ($4,300 individual, $8,550 family in 2026) are also pre-tax. Review your W-4 withholding: if you receive a large refund each year, you may be overwithholding, which means less money in each paycheck. The Tax Bracket Calculator shows your federal marginal and effective rates.
Minnesota has some of the highest income tax rates in the country, topping out at 9.85%. The Twin Cities metro offers a strong job market in healthcare (Mayo Clinic, UnitedHealth), retail (Target, Best Buy), and manufacturing (3M). High taxes fund robust public services, and the state consistently ranks near the top for quality of life and education.
Minnesota's high income taxes fund some of the best public schools, healthcare systems, and infrastructure in the country. Whether the trade-off is worth it depends on your life stage and priorities. For a family with school-age kids, the education quality may offset the tax cost. For a single high earner, the math favors lower-tax states.