Minnesota Paycheck Calculator
See exactly what you keep after taxes in Minnesota — enter your pay for an instant, itemized take-home breakdown.
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Your take-home pay
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Effective tax rate 0%
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How Minnesota take-home pay is calculated
Minnesota imposes one of the higher state income tax burdens in the country, with a steeply progressive structure topping out at 9.85% on the highest earners. There are no city or county income taxes, so your take-home pay is determined solely by the state's four brackets plus federal withholding. Compared with neighboring states, Minnesota's top rate is among the steepest in the Midwest, which meaningfully reduces take-home pay for high earners.
Federal income tax
Progressive 10%–37%, applied after the federal standard deduction ($15,000 single / $30,000 married for 2025).
Social Security
6.2% of wages up to the $176,100 wage base.
Medicare
1.45% of all wages, plus 0.9% above $200,000.
Minnesota state income tax
Progressive 5.35% – 9.85%.
401(k) — optional
Pre-tax contributions lower your taxable income for both federal and state tax.
- Four progressive brackets ranging from 5.35% to 9.85% for the 2025 tax year
- 2025 standard deduction is $14,950 for single filers and $29,900 for married filing jointly
- No local (city or county) income taxes anywhere in the state
Minnesota paycheck — frequently asked questions
How much is taken out of a paycheck in Minnesota? +
In Minnesota, federal income tax, Social Security (6.2%), Medicare (1.45%) and Minnesota state income tax (5.35% – 9.85%) are withheld. Total withholding typically lands around 25%–35% of gross pay, depending on income and filing status.
What is take-home pay? +
Take-home pay (net pay) is the amount that actually reaches your bank account after all taxes and deductions are subtracted from your gross salary. It is always lower than your headline salary.
Does Minnesota have a state income tax? +
Yes. Minnesota has a progressive state income tax (5.35% – 9.85%), charged on top of federal income tax.
Is this Minnesota paycheck calculator accurate? +
It gives a close estimate using 2025 federal and Minnesota tax brackets, the standard deduction and FICA. Your actual paycheck can vary based on local taxes, additional withholdings, benefits and your W-4. It is an estimate, not tax advice.
Disclaimer: This calculator provides estimates for educational purposes only using 2025 tax figures and does not constitute tax, legal, or financial advice. Actual withholding depends on your W-4, local taxes, benefits, and other factors. Verify with a qualified professional or the relevant tax authority.