Minnesota paycheck calculator

Take-home pay in Minnesota after federal and Minnesota income tax, Social Security, Medicare and your deductions, using the 2026 withholding rules.

State you live and work in

2026 rules for Minnesota.

Pay

I'm paid

Salary (per year, before taxes)

How often you're paid

Your Form W-4

Filing status

Children under 17

$2,200 each in Step 3, if your income is $200,000 or less ($400,000 married filing jointly).

Other dependents

$500 each in Step 3.

Pre-tax and after-tax deductions

401(k) or 403(b) contribution

Traditional (pre-tax). Put a Roth contribution under after-tax deductions.

Health insurance, HSA and FSA

Pre-tax premiums and contributions through payroll; they also lower Social Security and Medicare.

After-tax deductions

Roth 401(k), union dues, garnishments.

More Form W-4 options

Step 2: two jobs, or married and your spouse works

Only if you checked the box in Step 2(c) of your W-4.

Step 4(a): other income (per year)

Step 4(b): deductions (per year)

From the W-4's Deductions Worksheet: tips, overtime, car loan interest, the senior deduction, itemizing.

Step 4(c): extra withholding

Take-home pay per paycheck

$1,829.59

$47,569.26 a year from $59,999.94 gross, 26 paychecks.

Gross pay, each deduction and take-home pay, per paycheck and per year
Item	Per paycheck	Per year
Gross pay	$2,307.69	$59,999.94
Federal income tax	−$193.08	−$5,020.08
Social Security	−$143.08	−$3,720.00
Medicare	−$33.46	−$870.00
Minnesota income tax	−$98.33	−$2,556.60
MN Paid Leave	−$10.15	−$264.00
Take-home pay	$1,829.59	$47,569.26

Taxes as a share of pay: 20.7%
Federal taxable wages (year): $59,999.94

Estimates for planning, not tax advice. Your employer's payroll may round differently, and your tax bill when you file can differ from what's withheld.

How Minnesota taxes your paycheck in 2026

Minnesota taxes wages at four rates for 2026: 5.35%, 6.80%, 7.85% and 9.85%. Withholding subtracts $5,300 for each allowance on Form W-4MN, and the first $4,700 ($14,700 married) of what remains is not taxed. Starting in 2026, employees also pay up to 0.44% of wages, up to about $185,000, for Minnesota Paid Leave. Traditional 401(k) contributions and pre-tax health premiums are not subject to income tax, and there are no local income taxes.

Minnesota withholding rates, 2026: single or married filing separately
Taxable income	Rate
$0 to $4,700	0%
$4,700 to $38,010	5.35%
$38,010 to $114,130	6.8%
$114,130 to $207,850	7.85%
Over $207,850	9.85%

Minnesota withholding rates, 2026: married filing jointly
Taxable income	Rate
$0 to $14,700	0%
$14,700 to $63,400	5.35%
$63,400 to $208,180	6.8%
$208,180 to $352,630	7.85%
Over $352,630	9.85%

Minnesota withholding rates, 2026: head of household
Taxable income	Rate
$0 to $4,700	0%
$4,700 to $38,010	5.35%
$38,010 to $114,130	6.8%
$114,130 to $207,850	7.85%
Over $207,850	9.85%

Standard deduction: $0 single or married filing separately; $0 married filing jointly; $5,300 head of household.
Exemptions: $10,600 for you, $5,300 for a spouse, $5,300 per dependent.
A traditional 401(k) lowers your Minnesota taxable wages; pre-tax health premiums do.

Minnesota payroll contributions

Minnesota employee payroll taxes, 2026
Contribution	Rate	Wages up to
MN Paid Leave	0.44%	$185,000

City and county taxes

Minnesota cities and counties do not tax wages.

What this calculator simplifies

We assume Form W-4MN claims allowances for a one-earner household: 2 if single (yourself plus "one job"), 3 if married (spouse not working), 3 for head of household, plus 1 per dependent. If your spouse works or you have two jobs, the form tells you to claim fewer, and withholding is higher.
Head of household uses the single chart with an extra allowance, as W-4MN does.
Paid Leave wage cap: one part of Minnesota law rounds the Social Security wage base ($184,500 for 2026) to the nearest $1,000, giving $185,000, while another states it without rounding. The difference is at most $2.20 a year.
Paid Leave is shown at the most an employee can be charged (0.44%); your employer may pay more of it.
This is withholding, not your final tax: Minnesota's child tax credit, working family credit and other return items are not reflected.

Sources

How every number is worked out is on the methodology page.