Minnesota Paycheck Calculator (2026)
Calculate your exact take-home pay in Minnesota after 2026 Federal, FICA, Minnesota state income tax (5.35% to 9.85% Progressive), and local municipal withholdings.
Income & Pay Rate
State & Filing Profile
Use Paycheck Calculator - 2026 Estimate
Official IRS Publication 15-T & State Tax Withholding Financial Statement
Minnesota (MN)
Filing: single | Period: Bi-Weekly (26x)
Itemized Calculation (Bi-Weekly (26x))
State Tax (MN)-$203.22Day 87 of 365 when your cumulative gross earnings satisfy your total annual tax liability ($20,326).
Quick Summary: Minnesota Tax Impact on $85,000 Salary
2026 Single Filer Baseline (Zero Pre-Tax Deductions)
Minnesota enforces a progressive tax structure with 4 brackets running from 5.35% up to a top rate of 9.85%. State paid leave contributions start payroll collections in 2026.
📊 Itemized Paycheck Sample ($85,000 Baseline in Minnesota)
Exact breakdown of gross pay vs. federal tax, FICA, state tax, and net pay per pay period.
| Pay Period | Gross Income | Federal Income Tax | FICA (SS + Medicare) | Minnesota State Tax | Net Take-Home Pay |
|---|---|---|---|---|---|
| Bi-Weekly (26x) | $3,269.23 | $396.69 | $250.10 | $222.31 | $2,400.13 |
| Monthly (12x) | $7,083.33 | $859.50 | $541.88 | $481.67 | $5,200.29 |
| Annual Total | $85,000.00 | $10,314.00 | $6,502.50 | $5,780.00 | $62,403.50 |
Minnesota vs. California Baseline
On an $85,000 salary, single workers in Minnesota take home$1,737 LESS per yearthan in California due to state income tax structure differences.
Comprehensive Minnesota Paycheck & Tax Analysis (2026)
Detailed breakdown of tax brackets, FICA payroll taxes, state leave programs, and employer withholding compliance.
SECTION A: 2026 Minnesota Tax Structure Breakdown
For tax year 2026, Minnesota operates under a Progressive Tax regime (5.35% to 9.85% Progressive).
🏛️ Official 2026 Minnesota Progressive Tax Brackets (Single Filer Baseline)
| Taxable Income Tier | Marginal Tax Rate | Tax Withholding Impact |
|---|---|---|
| Initial Taxable Tier | Lowest Tier Rate | Applies after state standard deduction |
| Upper Taxable Tier | 5.35% to 9.85% Progressive | Applies marginally up to state cap |
SECTION B: FICA & Federal Deductions in Minnesota
Regardless of state residency, every worker in Minnesota must contribute to federal taxation and Social Security / Medicare security programs under the Federal Insurance Contributions Act (FICA):
- Federal Income Tax (IRS 2026): Calculated using 2026 IRS withholding tables after subtracting the 2026 Federal Standard Deduction ($15,000 for single filers; $30,000 for married filing jointly). On an $85,000 single salary, federal income tax equals $10,314.00 annually ($396.69 bi-weekly).
- Social Security Tax (FICA): Assessed at 6.2% on gross wage income up to the 2026 wage base cap of $184,500. On an $85,000 salary, Social Security withholding equals $5,270.00 per year ($202.69 bi-weekly).
- Medicare Tax (FICA): Assessed at 1.45% on all earned wages without an income cap. On an $85,000 salary, Medicare withholding equals $1,232.50 per year ($47.40 bi-weekly). High earners with income exceeding $200,000 ($250,000 for married joint filers) are subject to an Additional Medicare Tax of 0.9%.
Combined Federal and FICA taxes on an $85,000 single salary total $16,816.50 per year across all US states.
SECTION C: State-Specific Payroll Programs in Minnesota
Minnesota enforces mandatory employee payroll contributions for state short-term disability insurance or paid family and medical leave programs. These payroll withholdings appear as itemized lines on your pay stub (e.g. CA SDI, MA PFML, NY PFL, WA PFML / WA Cares, OR Paid Leave, or RI TDI) and slightly reduce net take-home pay to fund paid leave coverage.
SECTION D: Form W-4 & Minnesota State Withholding Guidance
To ensure your employer accurately withholds state and federal taxes from your paychecks in Minnesota:
- State Withholding Document: Minnesota uses Form W-4MN to establish state income tax withholding. You should complete Form W-4MN upon hire or when updating your filing status to select correct state exemption allowances.
- Pre-Tax Deduction Offsets: Electing pre-tax 401(k) contributions (up to $23,500 in 2026), Health Savings Account (HSA) contributions, or pre-tax health insurance premiums lowers your taxable wage baseline for federal tax and Minnesota state tax.
Major City Paycheck Calculators in Minnesota
Select a major metropolitan employment center in Minnesota for localized city tax and wage insights:
Common Salary Anchors for Minnesota
Select a specific annual salary baseline to view exact itemized take-home pay in Minnesota:
Frequently Asked Questions: Minnesota Paycheck Taxes
1. What is the highest income tax rate in Minnesota?
2. Does Minnesota have local city income taxes?
3. What is MN Paid Leave withholding?
4. What is take-home pay for $85,000 in Minnesota?
⚡ Quick Salary Benchmarks for Minnesota
Click any benchmark salary level below to calculate itemized take-home pay for Minnesota instantly:
2026 Tax Engine References & Methodology
Our paycheck calculation logic is modeled directly after official Internal Revenue Service (IRS) percentage withholding methods and individual state department of revenue guidelines. Estimates are provided for personal financial planning and educational purposes.
Official Primary Sources
- IRS Publication 15-T (Federal Withholding Tables)↗
- IRS Retirement & HSA Limits (2026)↗
- SSA FICA Wage Base ($184,500)↗
- Minnesota Department of Revenue / Tax AuthorityVerified