MN

Minnesota Paycheck Calculator

See exactly what you take home after federal taxes, Minnesota state income tax, Social Security, and Medicare. Updated for 2026.

State tax: 9.85% SS: 6.2% Medicare: 1.45% 2026 brackets
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1099 freelancer note: You owe both halves of Social Security & Medicare — that's 15.3% self-employment tax on top of income tax. Quarterly estimated payments due Apr 15, Jun 16, Sep 15, Jan 15.
Minnesota state income tax (2026) Minnesota top rate is 9.85% for income over $183,340.
Rates from 5.35% to 9.85% (over $183,340 single)

Minnesota Income Tax Explained (2026)

Minnesota has a state income tax with a progressive (5.35%–9.85%) structure. Workers earning typical wages generally pay an effective state rate between 4.9% and 9.8% depending on income and deductions. Understanding how Minnesota's tax works helps you accurately predict your take-home pay and plan your withholding.

Minnesota residents also pay federal income tax (10%–37%), Social Security (6.2% up to $184,500), and Medicare (1.45%). The combination of federal and state taxes is the primary driver of the gap between your gross pay and your actual paycheck.

How Minnesota compares to neighboring states

Wisconsin
Up to 7.65%
Lower top rate
Iowa
~3.8% flat
Much lower
South Dakota
No income tax
Zero tax
North Dakota
2.5% flat
Much lower

What taxes come out of a Minnesota paycheck?

A Minnesota W-2 employee's paycheck is reduced by federal income tax (progressive 10%–37%), Minnesota state income tax (progressive (5.35%–9.85%)), Social Security at 6.2% on wages up to $184,500, and Medicare at 1.45% on all wages. High earners above $200,000 also pay an additional 0.9% Medicare surtax on excess wages.

Minnesota freelancers and 1099 contractors pay self-employment tax of 15.3% — covering both employee and employer portions of Social Security and Medicare — on top of both federal and state income taxes. Half of the self-employment tax is deductible from federal adjusted gross income, reducing the effective burden slightly. Minnesota freelancers must also make quarterly estimated state tax payments.

Minnesota tax tips for 2026

  • High top rate: Minnesota's 9.85% top rate kicks in at $183,341 for single filers (2026) — among the highest in the Midwest. Most middle-income earners pay the 6.8% or 7.85% rate.
  • Standard deduction: Minnesota conforms to the federal standard deduction ($13,850 single / $27,700 married in 2026).
  • Social Security: Minnesota has been phasing out its tax on Social Security benefits. By 2026, Social Security may be fully or largely exempt for most retirees.
  • Estimated taxes: Minnesota requires quarterly estimated payments if you expect to owe more than $500. Use Minnesota Form M14.

Frequently asked questions

Minnesota has four progressive tax brackets: 5.35% on taxable income up to $30,070 (single), 6.8% up to $99,260, 7.85% up to $183,341, and 9.85% above $183,341. Most professionals earning between $60,000 and $183,000 pay the 7.85% rate on much of their income, giving Minnesota one of the higher effective rates in the Midwest.
For a single filer earning $75,000 in Minnesota in 2026, after the ~$13,850 standard deduction, taxable income is ~$61,150. Applying the brackets, state tax is approximately $3,800–$4,100. Combined with federal tax (~$10,294), Social Security ($4,650), and Medicare ($1,088), total deductions are ~$19,832. Take-home is approximately $55,168/year or ~$2,122 bi-weekly.
Minnesota has been phasing out its tax on Social Security benefits. For 2026, Social Security benefits are largely exempt for single filers with AGI below $75,000 and married filers below $100,000. Above those thresholds, Minnesota may tax a portion of Social Security benefits. The full phase-out is expected to be complete in coming tax years.
Minnesota has significantly higher income tax rates than most of its neighbors. South Dakota and Wyoming have no income tax; North Dakota has a flat 2.5%; Iowa has moved to ~3.8%. Minnesota's 7.85%–9.85% top brackets make it an outlier in the region. This disparity drives some businesses and high-income residents to relocate to neighboring states.
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