Tax year 2026 · Updated
Minnesota Paycheck Calculator
Use your W-4MN elections to estimate Minnesota take-home pay after federal taxes, state withholding and Paid Leave. Adjust the Paid Leave employee rate to match your employer's share.
Minnesota payroll withholding. The state income-tax line uses the Minnesota computer formula and your W-4MN elections for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill.
Annual and monthly figures assume the entered pay repeats for a full year. Wage caps are averaged across those paychecks; year-to-date pay and deductions are not tracked.
| Line | Per paycheck | Full-year projection |
|---|---|---|
| Gross pay | $2,307.69 | $60,000.00 |
| Pre-tax retirement | $0.00 | $0.00 |
| Health, HSA, FSA (pre-tax) | $0.00 | $0.00 |
| Federal income-tax withholding | $193.08 | $5,020.00 |
| Social Security (6.2%) | $143.08 | $3,720.00 |
| Medicare (1.45%) | $33.46 | $870.00 |
| Minnesota withholding | $126.00 | $3,276.00 |
| Minnesota Paid Leave (employee share) | $10.15 | $264.00 |
| After-tax deductions | $0.00 | $0.00 |
| Take-home pay | $1,801.92 | $46,850.00 |
Estimated tax share is the displayed federal withholding, FICA, state/local tax estimate and state payroll deductions divided by gross pay. Benefit deductions are excluded from that share; it is not your final income-tax rate.
MN withholding uses the 2026 computer formula and your W-4MN elections. The rounding choice applies before adding your extra amount. Paid Leave uses a different wage base and remains a separate deduction.
Federal withholding follows IRS Publication 15-T for a 2020-or-later W-4. Social Security applies to the first $184,500 of wages in 2026.
Compare a Minnesota salary offer with your paystub
- Enter annual gross salary and the employer's pay frequency. Every two weeks means 26 paychecks; twice a month means 24. Benefits entered per paycheck follow that choice.
- Copy the elections from your current federal W-4 and the separate state certificate fields shown in the form. A job offer's salary alone does not establish withholding.
- Enter your employee retirement and health deductions, then any after-tax deductions. Compare gross pay and each deduction line with a regular paystub before relying on the net estimate.
- For a proposed raise, run both annual salaries with the same elections, pay frequency and benefit settings. Percentage-based retirement deductions change with salary. Keep one-off bonuses separate from regular annual salary.
A raise starting partway through the year affects fewer paychecks. The annual result here is a full year at the entered salary; it does not combine earlier wages or predict a refund. For household withholding and amounts already paid, use the IRS Tax Withholding Estimator.
How Minnesota paycheck taxes work in 2026
Minnesota withholding uses the 2026 employer computer formula. Annualize Minnesota wages, subtract $5,300 per W-4MN allowance, apply the single or married chart, and divide by the pay periods. The calculator offers the permitted whole-dollar rounding before adding extra withholding; turn rounding off for cents.
Your W-4MN is separate from the federal W-4. Head-of-household adjustments belong in the state allowance worksheet; there is no separate head-of-household payroll chart. Without a state certificate, the default is single with zero allowances. An existing Section 2 exemption sets state income-tax withholding to zero while Paid Leave remains separate.
2026 Minnesota payroll withholding charts
The bands below use annual Minnesota wages after subtracting $5,300 per W-4MN allowance. For each band, apply its rate only to the amount above the lower bound, then add its base tax. Divide the result by the paychecks per year before rounding and adding extra withholding.
Single chart
| Adjusted annual wages | Rate on excess | Base tax |
|---|---|---|
| $0 – $4,700 | 0% | $0.00 |
| $4,700 – $38,010 | 5.35% | $0.00 |
| $38,010 – $114,130 | 6.8% | $1,782.09 |
| $114,130 – $207,850 | 7.85% | $6,958.25 |
| Over $207,850 | 9.85% | $14,315.27 |
Married chart
| Adjusted annual wages | Rate on excess | Base tax |
|---|---|---|
| $0 – $14,700 | 0% | $0.00 |
| $14,700 – $63,400 | 5.35% | $0.00 |
| $63,400 – $208,180 | 6.8% | $2,605.45 |
| $208,180 – $352,630 | 7.85% | $12,450.49 |
| Over $352,630 | 9.85% | $23,789.82 |
Weekly withholding examples
These use Minnesota wages before allowances, whole-dollar rounding, no extra withholding and no exemption. Paid Leave and federal taxes are separate.
| Weekly MN wages | W-4MN status | Allowances | MN withholding |
|---|---|---|---|
| $1,000 | Single | 0 | $53.00 |
| $1,000 | Single | 2 | $39.00 |
| $2,000 | Married | 3 | $82.00 |
The formula is for regular wages. It combines overtime with regular pay; separately paid supplemental wages, interstate allocation and exemption eligibility are outside this tool. The quarterly option applies the annual formula to four regular payments.
State payroll deductions
Beyond income tax, Minnesota employees pay into state programs that appear as separate lines on a pay stub: Minnesota Paid Leave (employee share) at up to 0.44% of wages up to $185,000. These are included in the estimate. The estimate starts with the maximum employee share; adjust the rate if your employer pays part or all of it.
Good to know. Paid Leave uses up to 0.44% of covered gross wages, including voluntary retirement and cafeteria-plan salary reductions, on the first $185,000 per year. Enter a lower employee rate or zero if your employer pays more of the premium. This assumes covered employment and a full year of steady pay. Actual deductions depend on year-to-date wages, minimum-wage protections and employer coverage. Private-plan rules and benefit eligibility are not calculated. Income-tax withholding uses the 2026 computer formula and separate W-4MN status, allowances and extra withholding. Whole-dollar rounding is enabled by default and can be changed to cents. A Section 2 exemption affects Minnesota income-tax withholding only. Separate supplemental payments, nonresident wage allocation, reciprocity and exemption eligibility are outside this regular-pay model.
Worked example: $60,000 salary in Minnesota
A single filer earning $60,000 a year, paid every two weeks, with a standard W-4 and no pre-tax deductions, single W-4MN status, zero allowances, whole-dollar rounding, no exemption and no extra state withholding, sees this estimate for each paycheck in 2026. These numbers are produced by the same engine as the calculator above, so they never drift from the tool.
| Gross pay | $2,307.69 |
| Federal income-tax withholding | $193.08 |
| Social Security | $143.08 |
| Medicare | $33.46 |
| Minnesota withholding | $126.00 |
| Minnesota Paid Leave (employee share) | $10.15 |
| Take-home pay per paycheck | $1,801.92 |
| Full-year take-home projection | $46,850.00 |
| Estimated tax share of gross pay | 21.9% |
Comparing a raise or new offer? Use the pay raise calculator to find the percentage change and its federal-only paycheck effect, then compare both salaries above with your Minnesota elections and deductions.
Federal taxes on every paycheck in 2026
Federal income tax withholding follows IRS Publication 15-T: your pay is annualised, adjusted for the entries on your Form W-4, reduced by the standard deduction built into the withholding tables ($16,100 single, $32,200 joint, $24,150 head of household), and run through the 2026 rate schedule below. Social Security is 6.2% of wages up to $184,500; Medicare is 1.45% of all wages plus 0.9% on wages above $200,000.
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 | $17,700 – $67,450 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 | $67,450 – $105,700 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 | $105,700 – $201,775 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 | $201,775 – $256,200 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 | $256,200 – $640,600 |
| 37% | over $640,600 | over $768,700 | over $640,600 |
Frequently asked questions
Does Minnesota have state income tax?
Yes. Minnesota has annual income-tax rates from 5.35% to 9.85% for 2026. The state income-tax line uses the Minnesota computer formula and your W-4MN elections for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill.
How much is taken out of a $1,000 paycheck in Minnesota?
For a single filer paid $1,000 a week with no pre-tax deductions, single W-4MN status, zero allowances, whole-dollar rounding, no exemption and no extra state withholding, this 2026 calculator estimates $211.98 in tax and state-program deductions: $78.08 federal withholding, $62.00 Social Security, $14.50 Medicare, $53.00 Minnesota withholding and $4.40 in state programs, leaving estimated take-home pay of $788.02. This assumes the same pay and elections throughout the year.
Which Minnesota income-tax method does this calculator use?
It uses the 2026 employer computer formula and your W-4MN status and allowances. The payroll charts differ from annual tax-return deductions. Whole-dollar rounding is enabled by default and can be turned off for cents; annual output sums the rounded paycheck estimates.
How much does Minnesota Paid Leave take from a paycheck in 2026?
The maximum employee share is 0.44% of covered wages up to $185,000 for the year. At that rate, $60,000 of steady annual wages means $264 per year, or $22 monthly. The annual maximum is $814. Your employer may pay more of the premium, so enter the actual employee rate shown on your pay stub.
Do retirement and health deductions reduce Minnesota Paid Leave premiums?
Voluntary salary reductions, including retirement deferrals and Section 125 health, HSA and FSA contributions with a cash option, remain in covered wages for this premium. They can reduce other tax wage bases. This estimate applies Paid Leave to gross wages before those deductions.
Why is the Paid Leave cap different from the Social Security cap?
Minnesota rounds the Social Security wage limit to the nearest $1,000 for Paid Leave. Its 2026 cap is $185,000. The calculator uses that program-specific cap; its per-paycheck result averages the annual amount across the selected pay frequency, without tracking year-to-date deductions.
How do I enter W-4MN allowances and an exemption?
Enter allowances from line 1 and extra withholding from line 2. Use the exemption checkbox only if your current W-4MN Section 2 claims exemption. The calculator does not check eligibility or submit a certificate. State exemption does not automatically remove federal taxes or Paid Leave contributions.
Are 401(k) contributions taxed in Minnesota?
Traditional 401(k) deferrals reduce federal and Minnesota income-tax wages in this estimate. They remain subject to Social Security, Medicare and Minnesota Paid Leave premiums. Roth retirement contributions have different income-tax treatment and belong in the after-tax deduction field.
How do I calculate my hourly take-home pay in Minnesota?
Switch the calculator to Hourly, enter your rate, hours per week and any overtime, and choose how often you are paid. The Minnesota hourly paycheck calculator opens with those settings and shows the same federal, FICA and state breakdown.
Why is my actual paycheck different from this estimate?
The state income-tax line uses the Minnesota computer formula and your W-4MN elections for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill. The estimate assumes steady regular pay and the elections and deductions you enter. Employer rounding, variable pay, year-to-date wage caps, benefit coverage and local-tax rules can produce different deductions. Compare gross pay and each deduction line with your paystub before using the net figure for budgeting. It does not predict a refund or balance due.
Related calculators
- Minnesota hourly paycheck calculatorHourly rate, hours and overtime
- Federal income tax calculatorYour 2026 federal tax bill
- W-4 withholding calculatorCheck if enough is being withheld
- Pay raise calculatorWhat a raise means after tax
- Hours worked calculatorTime card to gross pay
- Texas paycheck calculator
- Florida paycheck calculator
- California paycheck calculator
- New York paycheck calculator
- Illinois paycheck calculator
- Pennsylvania paycheck calculator
Paycheck calculators for other states
- AlabamaUp to 5%
- AlaskaNo income tax
- ArizonaFlat 2.5%
- ArkansasUp to 3.9%
- CaliforniaUp to 13.3%
- ColoradoFlat 4.4%
- ConnecticutUp to 6.99%
- DelawareUp to 6.6%
- District of ColumbiaUp to 10.75%
- FloridaNo income tax
- GeorgiaFlat 4.99%
- HawaiiUp to 11%
- IdahoFlat 5.3%
- IllinoisFlat 4.95%
- IndianaFlat 2.95%
- IowaFlat 3.8%
- KansasUp to 5.58%
- KentuckyFlat 3.5%
- LouisianaFlat 3%
- MaineUp to 9.15%
- MarylandUp to 6.5%
- MassachusettsUp to 9%
- MichiganFlat 4.25%
- MississippiFlat 4%
- MissouriUp to 4.7%
- MontanaUp to 5.65%
- NebraskaUp to 4.55%
- NevadaNo income tax
- New HampshireNo income tax
- New JerseyUp to 10.75%
- New MexicoUp to 5.9%
- New YorkUp to 10.9%
- North CarolinaFlat 3.99%
- North DakotaUp to 2.5%
- OhioFlat 2.75%
- OklahomaUp to 4.5%
- OregonUp to 9.9%
- PennsylvaniaFlat 3.07%
- Rhode IslandUp to 5.99%
- South CarolinaUp to 6%
- South DakotaNo income tax
- TennesseeNo income tax
- TexasNo income tax
- UtahFlat 4.5%
- VermontUp to 8.75%
- VirginiaUp to 5.75%
- WashingtonNo income tax
- West VirginiaUp to 4.82%
- WisconsinUp to 7.65%
- WyomingNo income tax
Sources and updates
Figures are for tax year 2026 and were checked against the sources below on . Tax rules and rates can change. Each calculator identifies the method and limitations used.
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (as of Jan 1, 2026)
- Minnesota Department of Revenue, withholding
- Minnesota DOR, 2026 employer withholding booklet, page 34 computer formula
- Minnesota DEED, 2026 Paid Leave premiums and small-employer rate designation (page 1)
- Minnesota DOR, 2026 Form W-4MN and instructions
- Minnesota DOR, definition of wages for income-tax withholding
- Minnesota Statutes 268B.01, subdivisions 43 and 47: rounded wage cap and wages
- Minnesota Statutes 268.035, subdivision 29(b): voluntary salary reductions remain wages
- Minnesota Statutes 268B.14, employee share and minimum-wage protections
- IRS, Revenue Procedure 2025-32: tax inflation adjustments for tax year 2026 (standard deduction, rate brackets)
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods, Worksheet 1A percentage method for automated payroll systems
- Social Security Administration, 2026 contribution and benefit base $184,500
- IRS Topic 751, Social Security and Medicare withholding rates (6.2% and 1.45%; Additional Medicare Tax 0.9% over $200,000)
- Tax Foundation, 2026 Tax Brackets (head of household and married filing separately thresholds)
This calculator gives estimates for information only and is not tax, legal or financial advice. Your employer's payroll system, local taxes, benefits and year-to-date wages can change the exact amounts on your pay stub. See how we calculate.