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Minnesota Paycheck Calculator (2026)

Estimate your Minnesota take-home pay after federal tax, FICA, Minnesota state income tax, and Minnesota Paid Leave.

How this calculator works

Like the Texas calculator, this estimates federal tax and FICA the same way; Minnesota doesn’t change those. On top of that, it computes Minnesota’s own state income tax, using Minnesota’s standard deduction (which shrinks above $244,400 of income) applied to a four-bracket schedule, plus Minnesota Paid Leave, a new 2026 payroll tax capped at a fixed annual wage base.

The formula

(federal tax, FICA, and net-pay assembly are identical to the Texas calculator)

mnStandardDeduction = baseDeduction, reduced above $244,400 of Minnesota AGI by the lesser of:
                      3% x (AGI - $244,400, up to $337,800) + 10% x (AGI - $337,800), or
                      80% of the base deduction
                    (never below 20% of the base deduction)

mnTaxableIncome = max(0, minnesotaAGI - mnStandardDeduction)
mnIncomeTax     = 2026 MN bracket schedule applied to mnTaxableIncome
                (5.35% / 6.80% / 7.85% / 9.85%)

mnPaidLeave = 0.44% x min(ficaWages, $185,000 wage base)   (max $814.00/year)

stateTax = mnIncomeTax + mnPaidLeave

Worked example

A single filer earning $60,000/year, paid biweekly, with no 401(k) or extra deductions:

  • FICA: $4,590.00/year (same as any state)
  • Federal tax: $5,020.00/year (same as any state)
  • Minnesota AGI of $60,000 is below the $244,400 phase-out threshold, so the full $15,300 standard deduction applies: taxable income $60,000 minus $15,300 equals $44,700
  • Minnesota income tax on $44,700 taxable income: $2,556.61/year (two brackets: 5.35%, 6.80%)
  • Minnesota Paid Leave: 0.44% x $60,000 = $264.00/year
  • Combined Minnesota state tax: $2,556.61 + $264.00 = $2,820.61/year
  • Net pay: $60,000 - $4,590 - $5,020 - $2,820.61 = $47,569.39/year, or $1,829.59 per biweekly paycheck

A single filer earning $260,000/year shows how the phase-out and the Paid Leave wage cap both kick in at once: Minnesota AGI of $260,000 sits between the $244,400 and $337,800 phase-out thresholds, so the standard deduction shrinks by 3% of the $15,600 excess, or $468, to $14,832. Taxable income becomes $245,168, which lands in all four brackets for $18,454.04 of income tax. Minnesota Paid Leave is capped at the $185,000 wage base, so the premium is 0.44% x $185,000, exactly $814.00, matching the maximum annual employee contribution the state has published.

Frequently asked questions (FAQ)

Why is my Minnesota take-home pay lower than in a no-tax state like Texas?

Minnesota has its own progressive state income tax, four brackets from 5.35% to 9.85%, on top of federal tax and FICA, plus Minnesota Paid Leave, a new 0.44% payroll tax that started January 1, 2026. A no-state-income-tax state like Texas skips the state income tax line entirely. Federal tax and FICA are the same regardless of state.

What is Minnesota Paid Leave, and why is it new on my paycheck?

Minnesota Paid Leave is a state-run paid family and medical leave program that began January 1, 2026, funded by a payroll premium split between employers and employees. Employers can deduct up to 0.44% of your wages, up to a $185,000 annual wage cap, for your share. It's brand new, so it wasn't on your paycheck before 2026.

Does my Minnesota standard deduction shrink if I earn a high income?

Yes. Above $244,400 of Minnesota adjusted gross income, your standard deduction is reduced by 3% of the amount over that threshold (rising to an additional 10% once you pass $337,800), though the reduction never exceeds 80% of the full deduction. This threshold applies the same to single and joint filers, it is not doubled for married couples.

Are tips and overtime tax-free in Minnesota?

No. The federal 2025-2028 "no tax on tips" and "no tax on overtime" deductions only reduce your federal taxable income. Minnesota has not adopted matching state deductions, so tips and overtime remain fully taxable on your Minnesota return.

Does Minnesota have any city or county income taxes?

No. Minnesota does not allow any city, county, or other local jurisdiction to levy its own income tax. The state income tax described above is the only income tax withheld from a Minnesota paycheck, no matter which city or county you live in.

What are Minnesota's 2026 tax brackets?

Four brackets: 5.35% up to $33,310 single ($48,700 joint), 6.80% up to $109,430 single ($193,480 joint), 7.85% up to $203,150 single ($337,930 joint), and 9.85% above that. These thresholds are adjusted for inflation each year, so they differ slightly from year to year.

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