Minnesota Paycheck Calculator 2026
This Minnesota paycheck calculator shows what actually lands in your bank account each pay period in 2026. Enter your gross salary and the tool applies 2026 federal brackets, Social Security and Medicare, and Minnesota withholding, then splits the result across weekly, biweekly, semi-monthly and monthly pay schedules. Minnesota uses a progressive income tax with 4 brackets running from 5.35% up to 9.85%, applied after a state standard deduction of $14,575.
Minnesota Paycheck Calculator
Your salary before any deductions.
How Minnesota payroll withholding works
Every Minnesota paycheck is reduced in the same order: pre-tax deductions first (401(k), HSA, employer health premiums), then federal income tax on what remains, then FICA on your full gross, then Minnesota state withholding.
FICA is fixed nationwide in 2026: 6.2% Social Security on the first $184,500 of wages and 1.45% Medicare on everything, with an extra 0.9% Medicare surtax above $200,000. Only the state layer changes when you move, which is why two workers earning the same salary in Minnesota and Wisconsin see different deposits.
Minnesota has no separate city or county income tax, so the state figure above is the full sub-federal income tax you pay.
Pay frequency in Minnesota
Most healthcare employers around Minneapolis run biweekly payroll (26 checks a year), while public-sector and salaried office roles often use semi-monthly (24 checks). Biweekly means two months each year contain three paychecks — a useful budgeting quirk if your rent is around $1,400.
Switching frequency does not change your annual tax; it only changes how withholding is spread. If your employer withholds per-period using annualized tables, a three-paycheck month can look artificially light on tax.
Budgeting a Minneapolis paycheck
Cost of living in Minnesota sits 3% below the national average (index 97), median household income is $84,313, and a one-bedroom apartment in Minneapolis rents for roughly $1,400 a month.
Minnesota's top rate of 9.85% applies above $193K — one of the highest top marginal rates in the country for non-coastal states.
Local and payroll taxes Minnesota adds on top
Minnesota Paid Leave premiums start in 2026 and take roughly 0.44% of wages from employees. That deduction sits outside the federal and state income tax lines, so build it into your own budget on top of the numbers above.
Minnesota has no separate city or county income tax, so the state figure above is the full sub-federal income tax you pay.
Payroll systems apply these local layers automatically, so check a real Minnesota pay stub against the estimate above: a missing local tax line is the usual reason a paycheck comes in lower than a state-only calculator suggests.
Working across a state line from Minnesota
Minnesota holds income-tax reciprocity agreements with Michigan and North Dakota. If you commute between them, your wages are taxed only by your state of residence — file the exemption certificate with your employer so the wrong state is not withheld from every paycheck.
Remote and hybrid work complicates this further: most states tax income where the work is physically performed, so a Minneapolis resident spending part of the year at a client site in Wisconsin may owe a nonresident return there. Keep a day-count log if you split time between states.
The rest of your Minnesota tax bill
Minnesota charges a 6.875% state sales tax, homeowners pay an average effective property tax of 1.11% of market value, and the minimum wage in force during 2026 is $11.41 an hour.
Minneapolis and St. Paul add local taxes reaching roughly 9.0%.
Income tax is only one part of a state's take. Minnesota recovers revenue through sales and property tax as well, which is why headline income tax rates alone are a poor guide to how far a salary really goes. Minnesota taxes most retirement income but offers a Social Security subtraction that fully exempts benefits below income thresholds.
Minnesota vs Wisconsin on the same salary
On a $75,000 salary, a single filer keeps about $57,943 a year in Minnesota against roughly $58,705 in Wisconsin — a difference of $762, or $64 a month.
Effective combined rates are 22.7% in Minnesota and 21.7% in Wisconsin. Set that gap against living costs: index 97 here versus 96 there, with property tax at 1.11% and 1.61% respectively.
Minnesota income tax brackets 2026 (single filer)
| Taxable income | Rate |
|---|---|
| $0 – $31,690 | 5.35% |
| $31,690 – $104,090 | 6.80% |
| $104,090 – $193,240 | 7.85% |
| $193,240 and up | 9.85% |