Minnesota Paycheck Calculator 2026

Minnesota paychecks gained a new line in 2026: Paid Leave premiums started on 1 January at 0.88% of wages, and employers may deduct up to half (0.44%) from employees.

Last updated: October 2026

Pay and filing

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Annual gross: $65,000

$

Used to stop Social Security at the $184,500 wage base and to start the extra 0.9% Medicare above $200,000 on this paycheck.

Form W-4

Step 3: $2,200 per child and $500 per other dependent, a year.

$

For example education or child care credits you expect to claim.

$

Interest, dividends or other income with no withholding.

$

Deductions beyond the standard deduction, including deductible IRA contributions.

$

Retirement and benefits

%

$3,900 a year, capped at the $24,500 employee limit for 2026.

Traditional contributions lower federal and most state income tax now, but not Social Security or Medicare.

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Through payroll, an HSA avoids income tax and FICA. California and New Jersey still tax it.

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2026 limit $3,400.

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2026 limit $7,500 per household ($3,750 married filing separately).

Take-home this paycheck
$1,848.39
biweekly net pay
Take-home for the year
$48,058.10
If every paycheck is the same

Paycheck breakdown (biweekly)

Gross pay$2,500.00
401(k) (pre-tax)-$150.00
Federal income tax-$198.15
Social Security (6.2%)-$155.00
Medicare (1.45%)-$36.25
Minnesota income tax-$101.21
Minnesota Paid Leave (employee share)0.44% of wages up to $184,500 a year-$11.00
Net take-home pay$1,848.39

Annual summary

Annual gross
$65,000.00
Federal income tax withheld
$5,152.00
Minnesota income tax
$2,631.41
Social Security and Medicare
$4,972.50
Social Security $4,030.00, Medicare $942.50
State payroll premiums and local tax
$286.00
Annual take-home
$48,058.10
How this is worked out. Federal withholding uses the IRS Publication 15-T percentage method for a 2020 or later W-4: your taxable pay is annualized, Step 4(a) is added, Step 4(b) and the $16,100 standard deduction are taken off, the 2026 brackets are applied (at full width), Step 3 credits are subtracted and the result is divided by 26 paychecks. State tax is your estimated Minnesotatax for the year spread evenly; your employer's state tables can differ by a few dollars a paycheck.

Minnesota paycheck rules for 2026

State income tax, 20264 brackets from 5.35% to 9.85%; top rate from $203,150 of taxable income (single)
Deductions before taxstandard deduction $15,300 single, $30,600 joint
Withholding certificateForm W-4MN
Bonus (supplemental) withholdingMinnesota allows a flat 6.25% on supplemental wages paid separately.
Mandatory payroll premiumsMinnesota Paid Leave (employee share): 0.44% up to $184,500
Local income taxesNone
Reciprocity agreementsYes, with Michigan and North Dakota
Sales tax (for context)6.88% state, 8.14% average combined with local (rank 15 of 51)

Worked example: $60,000 in Minnesota

Single filer, paid every two weeks (26 paychecks), standard W-4, no 401(k) or other benefits.

Gross pay$2,307.69
Federal income tax-$193.08
Social Security (6.2%)-$143.08
Medicare (1.45%)-$33.46
Minnesota income tax-$98.33
Minnesota Paid Leave (employee share)-$10.15
Take-home pay$1,829.59

Minnesota take-home pay at different salaries

Single filer, paid every two weeks, standard W-4, no benefits, no local tax.

SalaryPer paycheckPer yearTo Minnesota
$40,000$1,262.41$32,823$1,497
$60,000$1,829.59$47,569$2,821
$100,000$2,825.52$73,463$5,717
$150,000$4,007.27$104,189$9,602

Living and working in Minnesota

Minnesota's state sales tax is 6.88%; with local add-ons the average combined rate is 8.14%, ranked 15 of 51 as of July 2026.

Minnesota adds a 1% net investment income tax on investment income above $1 million, on top of the regular brackets.

In retirement: Minnesota is one of the eight states that still tax Social Security, though a subtraction removes it entirely below about $82,000 of AGI for joint filers. Pensions and IRA withdrawals are fully taxable.

Minnesota paycheck questions

How much is take-home pay on $60,000 in Minnesota?

A single filer paid $60,000 a year every two weeks, with no pre-tax benefits, takes home about $1,829.59 a paycheck in Minnesota ($47,569 a year). Each $2,307.69 paycheck loses $193.08 to federal income tax, $176.54 to Social Security and Medicare, $98.33 to Minnesota income tax and $10.15 to state payroll premiums. That is $2,821 a year less than the same salary in a state with no income tax or payroll premiums.

How much Minnesota income tax comes out of each paycheck?

Four brackets from 5.35% to 9.85%, indexed for 2026. Minnesota sets its own standard deduction ($15,300 single, $30,600 joint), which shrinks above $244,400 of income; that reduction is not modelled here. On a $60,000 salary that works out to about $98.33 every two weeks, an effective 4.26% of gross pay.

What else does Minnesota take out of a paycheck?

Minnesota Paid Leave (employee share): Premiums began 1 January 2026 at 0.88% of wages; employers may deduct up to half, 0.44%, up to the Social Security wage base. On $60,000 these total about $264 a year.

I live in a neighboring state. Will Minnesota tax my paycheck?

Not if you live in Michigan and North Dakota. Minnesota has reciprocal agreements with those states, so you can give your employer the state's nonresidence form and have only your home state's tax withheld. Without the form, Minnesota tax is withheld anyway and you must file a Minnesota return to get it back.

How are bonuses withheld in Minnesota?

Federally, a bonus paid separately is usually withheld at a flat 22% (37% on supplemental pay above $1 million in the year). For Minnesota: Minnesota allows a flat 6.25% on supplemental wages paid separately.

Which form sets my Minnesota withholding?

Minnesota uses Form W-4MN alongside the federal Form W-4. If you do not file one, your employer uses the state's default setting, usually single with no allowances or adjustments. Update it after marriage, a new child or a second job.