Fill out your information, and we'll do the calculations for you
Minnesota Paycheck Calculator 2026: MN Take-Home

Minnesota Paycheck Calculator

This Minnesota paycheck calculator shows where your money goes in 2026. Minnesota taxes income on a graduated scale from 5.35% to 9.85%, and starting this year it also takes a Paid Leave contribution, a brand-new line most calculators haven't added. Estimate your pay from a salary or hourly wage, see how Minnesota compares, then build a pay stub from the same numbers.

  • Minnesota's graduated 5.35% to 9.85% state tax
  • The new 0.44% Paid Leave contribution, first collected in 2026
  • Federal tax, Social Security and Medicare for 2026
  • See how Minnesota compares to Iowa and no-tax South Dakota

2026 figures checked against the Minnesota Department of Revenue and Minnesota Paid Leave, and IRS. Last updated September 2026.

Estimated Take-Home Pay

$3,964.12
Gross Pay$5,000.00
Federal Income Tax-$418.33
Minnesota State Tax-$213.05
MN Paid Leave (0.44%)-$22.00
FICA (Social Security & Medicare)-$382.50
Net Pay$3,964.12

Example: $60,000 salary, single filer, paid monthly, 2026 rates. Minnesota's graduated tax plus new Paid Leave put the effective rate near 20.7 percent.

i

The brand-new Minnesota paycheck line for 2026

Minnesota's income tax is graduated, 5.35% up to $33,310, then 6.80%, 7.85%, and 9.85% above $203,150 for a single filer, and the state indexes those brackets every year. But 2026 brings something new: the Minnesota Paid Leave contribution, collected from paychecks for the first time starting January 1, 2026. Employees pay up to 0.44% of wages, up to a $185,000 cap, so at most about $814 a year. Because it just launched, almost no other calculator includes it yet. This one does, and itemizes every line like a real pay stub.

Calculate Your Minnesota Take-Home Pay for 2026

Salary or hourly, any pay schedule. It applies the 2026 IRS federal brackets, Minnesota's graduated 5.35% to 9.85% tax after the standard deduction, the new 0.44% Paid Leave contribution, and 7.65% FICA. It updates as you type.

$0.00

estimated take-home pay per paycheck

Want these numbers on a document? Turn this estimate into a Minnesota pay stub with the same 2026 math, preview before you download.

How this calculator works: it applies the 2026 IRS federal brackets, 7.65 percent FICA, Minnesota's graduated 5.35% to 9.85% tax on income after the $15,300 single / $30,600 joint standard deduction, and the new 0.44 percent Paid Leave contribution up to the $185,000 wage cap. Minnesota phases out the deduction at very high incomes, so treat it as a close estimate.

Minnesota Take-Home vs Iowa and No-Tax South Dakota in 2026

Minnesota is a higher-tax state, and it helps to see it against its neighbors. Iowa just moved to a flat 3.8%, well below Minnesota's graduated rates, and South Dakota has no income tax at all. Here's the same single-filer salary across all three for 2026, using this site's verified calculators. The gap is what Minnesota's higher rates and new Paid Leave cost.

Annual salaryMinnesota take-homeIowa take-homeSouth Dakota (no tax)Minnesota vs IA / SD
$50,000$40,258$40,949$42,355-$691 / -$2,097
$75,000$57,686$59,236$61,592-$1,551 / -$3,907
$100,000$73,463$75,874$79,180-$2,411 / -$5,717
The gap grows with income: Minnesota's 9.85% top rate widens it at higher pay No local income tax in Minnesota, but the state rates run high

Minnesota Take-Home Pay Examples for 2026

What common salaries keep in Minnesota for 2026, single filer, using the graduated rates, the $15,300 standard deduction and the new 0.44% Paid Leave contribution. These are the same numbers the calculator prints.

Annual salarySingle: per yearSingle: per monthSingle: biweeklyMarried joint: per year
$40,000$32,823$2,735$1,262.41$35,481
$50,000$40,258$3,355$1,548.40$43,137
$60,000$47,569$3,964$1,829.59$50,733
$75,000$57,686$4,807$2,218.69$61,917
$100,000$73,463$6,122$2,825.52$80,257
$120,000$86,085$7,174$3,310.98$94,879
Top rate 9.85%, among the highest in the country New Paid Leave line, up to $814 a year in 2026

How to Calculate Your Minnesota Paycheck

1Start with gross payYour salary per pay period, or hourly rate times hours, plus time and a half for overtime past 40 hours.
2Remove pre-tax deductions401(k) and health premiums come out first and lower the income that gets taxed, state and federal.
3Apply federal, MN, Paid Leave and FICA2026 federal brackets, Minnesota's graduated tax after the deduction, the 0.44% Paid Leave, plus 7.65% FICA.
4What's left is take-homeDon't forget the new Paid Leave line, first collected in 2026 and easy to overlook.

You don't have to do this by hand. The paystub generator runs every line and puts it on a downloadable stub. If your check looks smaller than expected, our guide to why paychecks come out low explains where it goes.

How Minnesota Paycheck Taxes Work

Minnesota takes more from a paycheck than most states, and for 2026 it added a new line. On top of federal income tax, Social Security and Medicare, Minnesota charges a graduated income tax: 5.35% on the first band of taxable income, then 6.80%, 7.85%, and 9.85% at the top, which starts above $203,150 for a single filer in 2026. Minnesota indexes those thresholds for inflation each year, and the 9.85% top rate is among the highest in the country. There's no local income tax anywhere in the state, so a $60,000 single filer keeps about $47,569 a year.

A standard deduction of $15,300 for singles and $30,600 for couples comes off before the graduated rates apply, though it phases out at very high incomes. The newer piece is the Minnesota Paid Leave contribution, first collected on January 1, 2026. Employees pay up to 0.44% of wages, withheld each payday up to a $185,000 cap, to fund the state's paid family and medical leave program. It's separate from income tax and modest, at most about $814 for the year, but it's real, and because it just launched most calculators haven't added it. Pre-tax deductions like a 401(k) or a health premium lower your state and federal tax, but not the Paid Leave contribution, which is on gross wages.

Hourly Pay and the Minimum Wage

An hourly wage gets annualized first. Minnesota's minimum wage is indexed for inflation each year and sits above the federal $7.25 floor, and Minneapolis and St. Paul set higher local minimums. At $22 an hour, 40 hours a week is about $45,760 a year, and a single filer at that rate nets close to $1,415 on a biweekly check after federal tax, Minnesota tax, Paid Leave and FICA. The gap between one check and your year-to-date totals is explained in our guide to current vs YTD on a pay stub.

Overtime in 2026: Minnesota taxes overtime as regular wages, so the graduated rates and the Paid Leave contribution both apply to it. The only break is federal: the deduction of up to $12,500 of overtime premium ($25,000 joint, through 2028) claimed on your federal return. Your W-2 carries the amount, explained in our guide to overtime on the W-2.

Minnesota Paycheck FAQ

How much is taken out of a paycheck in Minnesota?
Minnesota takes federal income tax, a graduated state income tax of 5.35% to 9.85%, the new Paid Leave contribution of 0.44%, and 7.65% FICA, with no local income tax. A single filer earning $60,000 in 2026 keeps about $47,569 a year, roughly a 20.7% effective rate. The Paid Leave line is brand new for 2026, and most calculators don't include it yet.
What is Minnesota's income tax rate for 2026?
Minnesota has four graduated brackets for 2026: 5.35% on taxable income up to $33,310 for a single filer, 6.80% up to $109,430, 7.85% up to $203,150, and 9.85% above that. Married filing jointly brackets are wider. Minnesota indexes these thresholds every year, and its 9.85% top rate is one of the highest in the country.
What is the Minnesota Paid Leave deduction in 2026?
It's the new Minnesota Paid Leave program, which started January 1, 2026. Employees pay up to 0.44% of wages, withheld each payday, up to a wage cap of $185,000, so the most you'd pay in 2026 is about $814. On a $60,000 salary it's about $264 a year. It's separate from income tax, and because it's brand new, almost no older calculator includes it.
When did Minnesota Paid Leave start?
Minnesota's Paid Leave payroll contribution began January 1, 2026, with benefits available to workers the same year. That's why it's the line most calculators miss: it didn't exist before 2026. The total premium is split between employers and employees, with the employee share up to 0.44% of wages.
How much is $60,000 after taxes in Minnesota?
About $47,569 a year for a single filer in 2026, close to $3,964 a month or $1,830 on a biweekly check, after federal tax, Minnesota income tax, the 0.44% Paid Leave contribution and FICA. Minnesota income tax alone is about $2,557. Married filing jointly keeps about $50,733.
What is Minnesota's standard deduction for 2026?
Minnesota's standard deduction is $15,300 for a single filer and $30,600 for married filing jointly in 2026, adjusted for inflation. It comes off before the graduated rates apply, though it phases out for very high earners. Minnesota does not have a separate personal exemption for most filers, but it does offer a dependent exemption.
Is take-home pay higher in Minnesota or Iowa?
Iowa now, for most workers. Iowa moved to a flat 3.8% tax, well below Minnesota's graduated rates that reach 9.85%, and Minnesota adds the 0.44% Paid Leave. A single filer keeps about $1,551 more in Iowa at $75,000 in 2026. A no-income-tax neighbor like South Dakota keeps even more, about $3,900 more than Minnesota at that salary.
Does Minnesota have a local income tax?
No. No Minnesota city or county charges a local income tax, so your paycheck loses only federal tax, the state income tax, the 0.44% Paid Leave contribution and FICA. Minnesota's higher take-home cost comes from its graduated state rates and the new Paid Leave, not a local wage tax.
How much is $75,000 after taxes in Minnesota?
A single filer earning $75,000 keeps about $57,686 a year in 2026, roughly $4,807 a month or $2,219 on a biweekly check, for an effective rate near 23.1%. That is after federal tax, about $3,577 in Minnesota income tax, the 0.44% Paid Leave contribution ($330), and FICA. Married filing jointly at the same salary keeps about $61,917 because the wider joint brackets lower the state tax.
How much is $100,000 after taxes in Minnesota?
A single filer earning $100,000 keeps about $73,463 a year in 2026, close to $6,122 a month or $2,826 biweekly, an effective rate near 26.5%. Minnesota income tax alone is about $5,277 because part of the income reaches the 7.85% bracket, and the Paid Leave contribution adds $440. Married filing jointly keeps about $80,257 at $100,000.
How much do I take home on $25 an hour in Minnesota?
At $25 an hour full time, about $52,000 a year, a single Minnesota worker keeps roughly $41,721 in 2026, close to $3,477 a month or $1,605 on a biweekly check, for an effective rate near 19.8%. That covers federal tax, about $2,013 in Minnesota income tax, the 0.44% Paid Leave line, and FICA. Enter your own hourly rate and hours above to see your exact number.
Is it cheaper to live in South Dakota than Minnesota for taxes?
On income tax, yes. South Dakota has no state income tax and no Paid Leave contribution, so a worker there keeps everything Minnesota withholds for those two lines: about $2,821 more at $60,000, $3,907 more at $75,000, and $5,717 more at $100,000 each year. Federal tax and FICA are the same in both states. Cost of living and property taxes are separate questions, but on paycheck withholding South Dakota clearly keeps more.
How is overtime taxed in Minnesota?
Overtime is taxed as ordinary wages in Minnesota, at the same graduated 5.35% to 9.85% rates, plus the 0.44% Paid Leave contribution and FICA. There is no special overtime tax rate. A large check with overtime can have more withheld because the payroll formula annualizes that pay period, but any over-withholding comes back at tax time. The extra gross is what raises your tax, not the overtime itself.

Turn your Minnesota estimate into a pay stub

Enter your pay and the generator runs the full 2026 Minnesota math, the graduated tax, the new Paid Leave contribution and FICA. Preview it, then download when it looks right.

Create a Minnesota Pay Stub →

Disclaimer: Estimates are for education, based on 2026 Minnesota and federal rates and the new Paid Leave contribution. Minnesota phases out the standard deduction at higher incomes; your actual pay depends on your W-4, Minnesota Form W-4MN and benefits. This isn't tax advice; confirm with the Minnesota Department of Revenue or a tax professional. Comparison figures use this site's own 2026 calculators.

ePaystubs Support Support team is online

Start a conversation

Enter your details and tell us how we can help.

Your conversation will appear here.
This conversation has been closed by the support team.
Create Pay Stub