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2026 take-home pay

Calculate your real take-home pay in Minnesota

Estimate your take-home pay in Minnesota for 2026.

Quick answer: Minnesota has a state income tax. On a $75,000 salary, a single filer takes home roughly $56,952 per year in 2026 after federal income tax, Minnesota state tax, and FICA (Social Security + Medicare).

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$

Your take-home pay

$72,839.51

per year

$72,840 per year · 27.2% effective tax rate
Gross pay
$100,000.00
Federal income tax
− $13,170.00
Social Security
− $6,200.00
Medicare
− $1,450.00
State income tax
− $6,340.50
Net pay
$72,839.51

Estimates only — not professional tax advice. 2026 tax year.

Minnesota starts its income tax at a comparatively high 5.35% floor and climbs through four brackets to 9.85% on the highest incomes, so even middle earners pay a meaningful state rate. Unlike some neighbors, Minnesota does not add city or county income taxes, which keeps the math to a single statewide schedule. The calculator below applies 2026 Minnesota brackets on top of federal tax and FICA to estimate your take-home pay.

How take-home pay works in Minnesota

Your paycheck starts with your gross pay. From there, the federal government takes income tax based on 2026 marginal brackets and your filing status, plus FICA — Social Security (6.2% up to the $184,500 wage base) and Medicare (1.45%, with an extra 0.9% on high earners).

Minnesota has a progressive income tax with four brackets running from 5.35% up to a 9.85% top rate, among the highest in the country. Bracket widths are roughly doubled for married couples filing jointly. There are no separate local income taxes, so the state rate is the full picture beyond federal tax and FICA.

Estimates only — not professional tax advice.

Major cities in Minnesota

These estimates apply to workers across Minnesota, including:

Frequently asked questions

What are the Minnesota income tax rates in 2026?
Minnesota has four brackets: 5.35%, 6.80%, 7.85%, and a top rate of 9.85%. Most workers fall in the 5.35%–7.85% range depending on income. Married couples filing jointly get wider brackets before each rate kicks in.
Does Minneapolis or Saint Paul charge a local income tax?
No. Minnesota cities do not levy their own income tax, so a paycheck in Minneapolis is taxed the same as one in Duluth or Rochester. Only the statewide brackets apply.
Why is Minnesota state withholding relatively high?
Minnesota's lowest bracket already starts at 5.35% — higher than many states' flat rates — and the top rate reaches 9.85%. That higher floor means even modest salaries see a noticeable state tax bite each paycheck.
Does Minnesota have a state income tax?
Yes. Minnesota taxes wage income. The calculator above includes it in your estimate.
How is my take-home pay calculated?
We start from your gross pay, then subtract federal income tax (2026 marginal brackets), Social Security (6.2% up to the $184,500 wage base), Medicare (1.45%, plus 0.9% over $200k), and your state income tax. Any 401(k) and pre-tax deductions are removed before income tax is figured.
Which states have no income tax?
Nine states have no state income tax on wages: Texas, Florida, Alaska, Nevada, South Dakota, Washington, Wyoming, Tennessee, and New Hampshire. Living there usually means a bigger paycheck.
Is this exact?
It is a solid estimate using 2026 federal and state rates and standard deductions. It does not capture local/city taxes, credits, or unusual situations. Treat it as a ballpark — not professional tax advice.
What is FICA?
FICA is the combination of Social Security and Medicare payroll taxes. Together they total 7.65% of most wages (6.2% Social Security up to the wage base, plus 1.45% Medicare on all wages).

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