Estimate your Minnesota take-home pay per check, month and year. It applies federal withholding, Social Security and Medicare, Minnesota's four income tax brackets and the employee share of the Minnesota Paid Leave premium that first appears on paychecks in 2026.
Last updated:
Gross pay
How are you paid?
$
$
h
h
Paid at 1.5× your rate
Married filing separately: choose Single
Federal (2026 Form W-4)
$
$2,200 per child under 17, $500 per other dependent
$
Minnesota (W-4MN)
$5,200 Minnesota exemption each (2025)
$
Leave 0 for the 2025 amount for your filing status
Minnesota Paid Leave (2026, editable)
%
0.88% total; employers may deduct up to 0.44% (some pay it all: enter 0)
Deductions
% of gross
Capped at the 2026 limit of $24,500
$
Section 125 deductions
$
Roth 401(k), union dues, garnishments
Enter your values to see the result.
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How to use the Minnesota Paycheck Calculator
Enter your pay: annual salary, or hourly rate with weekly hours and overtime.
Choose pay frequency and filing status, then add your federal W-4 credits if you claim children.
Enter Minnesota dependents and, if you know the newer figure, the current Minnesota standard deduction.
Check the Paid Leave rate: 0.44% is the most an employer may deduct; enter 0 if your employer pays the whole premium.
Press Calculate take-home pay to see every line per check, per month and per year.
How a Minnesota paycheck is calculated
Minnesota income = wages − 401(k)/403(b) deferrals − section 125 health, HSA and FSA deductions
Minnesota taxable income = Minnesota income − Minnesota standard deduction − $5,200 per dependent
Minnesota income tax = the four graduated rates applied to taxable income
Paid Leave premium = wages up to the Social Security wage base ($184,500 in 2026) × your employee share (up to 0.44%)
Example: a single filer earning $75,000 with no pre-tax deductions has $75,000 − $14,950 = $60,050 of Minnesota taxable income. Tax = $32,570 × 5.35% + $27,480 × 6.8% = $1,742.50 + $1,868.64 = $3,611.14 a year, about $138.89 per biweekly check. The Paid Leave premium at 0.44% adds $330 a year ($12.69 per check).
Minnesota income tax brackets (2025)
Rate
Single
Married filing jointly
Head of household
5.35%
$0 – $32,570
$0 – $47,620
$0 – $40,100
6.80%
$32,571 – $106,990
$47,621 – $189,180
$40,101 – $161,130
7.85%
$106,991 – $198,630
$189,181 – $330,410
$161,131 – $264,050
9.85%
Over $198,630
Over $330,410
Over $264,050
Source: Minnesota Department of Revenue 2025 tax rate schedules. Minnesota adjusts the thresholds, the standard deduction and the dependent exemption for inflation every year, so the 2026 figures will be slightly higher.
Minnesota Paid Leave premium at a glance
Item
2026 figure
Total premium rate
0.88% of wages
Most an employer may deduct from you
50% of the premium (0.44%)
Wage cap
Social Security wage base ($184,500)
Most an employee pays per year
$811.80 (0.44% × $184,500)
Benefits available from
January 1, 2026
Some employers pay the full 0.88% themselves, and small employers may pay a reduced rate. Check your pay stub: if no Paid Leave line appears, set the rate to 0.
Tips for Minnesota workers
Fill in a W-4MN as well as the federal W-4. Minnesota no longer uses the federal form for state withholding.
Families with children may qualify for the refundable Minnesota Child Tax Credit. It is paid when you file your return, so it does not change your paychecks.
Raising your 401(k) percentage cuts federal and Minnesota income tax, but not FICA or the Paid Leave premium.
Frequently asked questions
What are the Minnesota income tax brackets?
Minnesota has four brackets: 5.35%, 6.8%, 7.85% and 9.85%. For 2025 a single filer pays 5.35% on the first $32,570 of taxable income, 6.8% up to $106,990, 7.85% up to $198,630 and 9.85% above that. Married couples filing jointly have wider brackets ($47,620, $189,180 and $330,410). The thresholds are adjusted for inflation every year.
What is the Minnesota Paid Leave premium on my paycheck?
Minnesota Paid Leave is a state program that pays partial wages during family or medical leave. Starting January 1, 2026 employers pay a premium of 0.88% of each employee's wages up to the Social Security wage base, and they may deduct up to half of it, 0.44%, from employee pay. On a $60,000 salary the most you would see withheld is $264 a year.
What is the Minnesota standard deduction?
For 2025 it is $14,950 for single filers, $29,900 for married couples filing jointly and $22,500 for heads of household. Above $238,950 of adjusted gross income it is reduced by 3% of the excess, but never by more than 80%. Minnesota does not use the federal standard deduction amounts.
Does Minnesota tax 401(k) contributions?
No. Traditional 401(k), 403(b) and 457 deferrals are excluded from Minnesota taxable wages the same way they are excluded federally, and section 125 health premiums, HSA and FSA contributions are excluded too. Roth contributions are taxed in the year you make them.
Do Minnesota cities charge an income tax?
No. Minneapolis, Saint Paul and other Minnesota cities do not tax wages, so your paycheck shows only federal tax, FICA, Minnesota income tax and the Paid Leave premium, plus any benefits you chose.
Why is my real Minnesota withholding different from this estimate?
Employers use the Minnesota withholding tables and the allowances on your W-4MN, which approximate the annual tax rather than calculating it exactly. Credits such as the Minnesota Child Tax Credit or Working Family Credit are claimed when you file, not on each paycheck, so the yearly tax you owe can be lower than what is withheld.
I live in Minnesota and work in North Dakota or Michigan. Which state taxes me?
Minnesota has income tax reciprocity with North Dakota and Michigan, so a Minnesota resident working there pays income tax only to Minnesota after giving the employer the right exemption form. Minnesota's reciprocity agreement with Wisconsin ended in 2010, so Minnesotans working in Wisconsin file in both states and claim a credit.
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