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Minnesota Paycheck Calculator

Estimate Minnesota take-home pay — federal income tax, FICA, Minnesota graduated withholding (5.35% to 9.85%), and Minnesota Paid Family & Medical Leave (0.44%).

Your Pay Details

Total gross pay before any deductions.

Pre-tax deductions

Pre-tax retirement contributions — capped at $24,500 per year.

Your share of employer plan premiums, paid pre-tax.

Advanced optionsOvertime, tips, Roth, and special tax situations

Exempt from federal income tax up to $25,000 under OBBBA — but fully taxable on your state return.

After-tax — reduces take-home pay but not your taxes.

Results update automatically as you type — nothing is submitted or stored.

Your Estimated Take-Home

Net pay per bi-weekly paycheck

$2,191

$56,965 per year ·23.6% of gross withheld

Gross

$2,885

Federal tax

$295

10.2% effective

FICA

$221

Minnesota tax

$165

5.7% effective

  • Federal income tax$7,670
  • FICA$5,738
  • MN state tax$4,297
  • Pre-tax deductions$0
  • MN Paid Family & Medical Leave$330
  • Take-home pay$56,965
Gross pay$75,000
Federal income tax$7,670
FICA$5,738
MN state tax$4,297
Pre-tax deductions$0
MN Paid Family & Medical Leave$330
Take-home pay$56,965

How Minnesota paychecks are calculated

Calculating your net take-home pay in Minnesota requires evaluating federal taxation, mandatory FICA payroll contributions, Minnesota state income tax withholding, and the statewide Minnesota Paid Family and Medical Leave deduction. Whether you work as an hourly employee in Minneapolis or a salaried professional in Rochester, your employer uses official formula tables published by the Minnesota Department of Revenue and the Department of Employment and Economic Development (DEED).

Minnesota withholding begins with your gross wages earned during the pay frequency period (weekly, biweekly, semimonthly, or monthly). Pre-tax deductions—including traditional 401(k) or 403(b) retirement plans, qualified Health Savings Accounts (HSA), and Section 125 health insurance premiums—are subtracted first. This yields your adjusted taxable wages. Your employer then computes state withholding using your Form W-4MN filing status and allowance count ($5,300 per claimed allowance in 2026).

State Income Tax
5.35% – 9.85%

Graduated into four brackets based on taxable wages and Form W-4MN allowances.

MN Paid Leave
0.44%

Employee contribution on covered gross wages up to the Social Security wage limit.

Local Wage Taxes
$0 / None

Minnesota cities and counties do not impose municipal or local payroll taxes.

Minnesota state income tax brackets and withholding rules

Minnesota has one of the most progressive state individual income tax structures in the nation. The four statutory rates are 5.35%, 6.80%, 7.85%, and 9.85%. To ensure accurate withholding throughout the year, the Department of Revenue publishes computer formula tables with built-in zero-bracket thresholds ($$4,700 for Single and $$14,700 for Married Filing Jointly) and explicit allowance values.

Employees complete Minnesota Form W-4MN to designate marital status and claim personal allowances. Each allowance reduces annual withholding wages by $5,300. Taxpayers filing as Head of Household claim an additional allowance on Line E of Form W-4MN and withhold under the Single schedule.

$75,000 gross salary comparison between Single and Married filing statuses (0 allowances)
Filing statusTaxable wagesAnnual MN taxMN Paid LeaveTake-home pay
Single$75,000$4,297$330$56,965
Married filing jointly$75,000$3,394$330$60,898

Minnesota Paid Family and Medical Leave (PFML)

Starting in 2026, Minnesota employees contribute to the state’s Paid Family and Medical Leave program. The program provides up to 12 to 20 weeks of partial wage replacement for qualifying personal medical conditions, pregnancy, bonding with a new child, family caregiving, and safety leave.

The total statutory premium rate is set at 0.88% of taxable payroll. By law, employers may deduct up to half of this premium—0.44%—from employee wages, up to the federal Social Security wage base ($184,500). Employers fund the remaining premium or may choose to cover the entire cost as an employee benefit.

PFML contribution examples:

  • $$50,000 annual salary: $220.00 per year ($8.46 per biweekly paycheck).
  • $$75,000 annual salary: $330.00 per year ($12.69 per biweekly paycheck).
  • $$150,000 annual salary: $660.00 per year ($25.38 per biweekly paycheck).
  • $$200,000 annual salary: Capped at $811.80 per year ($184,500 maximum wage base × 0.44%).

Salaried vs hourly paycheck calculations in Minnesota

Our paycheck calculator Minnesota tool handles both salaried and hourly compensation schedules. Hourly employees often face variable paychecks due to fluctuating hours, shift differentials, and overtime. In Minnesota, hourly wages are annualized according to the selected pay frequency to determine the exact marginal withholding tier.

Estimated Minnesota take-home pay across common hourly wage levels (single filer, 0 allowances)
Hourly rateAnnual gross (40 hrs/wk)Annual MN taxMN Paid LeaveAnnual take-home
$18/hr$37,440$1,752$165$30,347
$22/hr$45,760$2,309$201$36,438
$26/hr$54,080$2,875$238$42,520
$30/hr$62,400$3,441$275$48,603
$40/hr$83,200$4,855$366$62,140
$50/hr$104,000$6,269$458$75,267

For salaried employees, predictable gross income translates into steady biweekly or semimonthly net pay. Below is an annual breakdown across representative salary levels:

Estimated Minnesota take-home pay across salary benchmarks (single filer, 0 allowances)
Annual salaryAnnual MN taxMN Paid LeaveAnnual take-home
$30,000$1,354$132$24,799
$50,000$2,597$220$39,538
$75,000$4,297$330$56,965
$100,000$5,997$440$72,743
$150,000$9,774$660$103,392
$200,000$13,699$812$134,452

High earner scenario: $150,000 married paycheck calculation

A common scenario for Minnesota families is a household or primary earner salary of $150,000 under Married Filing Jointly status. Because Minnesota brackets for married couples are wider than for single filers, the 5.35% bracket applies up to $63,400 of taxable wages, and the 6.80% bracket covers the remainder up to $208,180.

Detailed breakdown: $150,000 married filing jointly (biweekly)

Gross Pay (Biweekly)
$5,769.23
Federal + FICA
$1,031.35
MN Tax + PFML
$352.09
Net Paycheck
$4,385.80

On an annual basis, this married scenario results in $$15,340 federal tax, $$11,475 FICA, $$8,494.25 Minnesota state income tax, and $$660.00 Minnesota Paid Leave, delivering $$114,031 net annual take-home pay.

Pay frequency comparison in Minnesota

Minnesota employers generally distribute paychecks on weekly, biweekly, semimonthly, or monthly schedules. While your total annual tax liability remains constant, your per-check withholding changes proportionately:

$75,000 single salary, 0 allowances across all standard pay frequencies
Pay frequencyChecks / yearGross per checkMN state taxTake-home per check
Weekly52$1,442$83$1,095
Bi-Weekly26$2,885$165$2,191
Semi-Monthly24$3,125$179$2,374
Monthly12$6,250$358$4,747

Comparing Minnesota take-home pay with neighboring states

Minnesota’s upper tax brackets are higher than those of neighboring Midwestern states. On an identical $$75,000 gross salary with single filing status, here is how take-home pay compares across state lines:

Comparison of $75,000 single earner across Upper Midwest states
StateState income taxEstimated net take-home
Minnesota$4,297.41$56,965
Wisconsin$3,667.48$57,925
Iowa$2,356.00$59,237
North Dakota$338.81$61,254

Minnesota workers pay slightly more in state withholding than in Wisconsin or Iowa, but Minnesota does not have local municipal wage taxes and provides comprehensive public services and statewide Paid Family and Medical Leave. Note that Minnesota has a statutory reciprocity agreement with North Dakota (filing Form MW-R), allowing border commuters to be taxed only in their state of residence.

Related paycheck calculators

Wisconsin paycheck calculator Iowa paycheck calculator North Dakota paycheck calculator

Estimate only — not tax advice

This calculator models 2026 federal tax laws, Minnesota Department of Revenue percentage method withholding tables, and Minnesota Paid Family & Medical Leave payroll deductions. Actual paycheck amounts may vary based on employer-specific payroll policies, cafeteria plan elections, voluntary deductions, or reciprocity claims (Form MW-R). Consult your employer’s payroll administrator or a certified tax professional for individualized advice.

Frequently Asked Questions

How do I calculate my paycheck in Minnesota?
To calculate your Minnesota paycheck, start with your gross pay for the pay period. Deduct pre-tax contributions such as traditional 401(k), HSA, and Section 125 health insurance. On the taxable wage base, calculate federal income tax withholding using IRS percentage tables, FICA payroll taxes (6.2% Social Security up to the federal wage base and 1.45% Medicare), Minnesota state income tax withholding using Form W-4MN graduated tables (5.35% to 9.85%), and Minnesota Paid Family and Medical Leave (0.44% employee contribution). Subtracting these deductions yields your net take-home pay.
How much tax is taken out of a Minnesota paycheck?
Taxes on a Minnesota paycheck include federal income tax, FICA (Social Security and Medicare), Minnesota state income tax withholding, and Minnesota Paid Leave. On a $75,000 single salary with 0 allowances, our calculator estimates $7,670 in federal income tax, $5,738 in FICA, $4,297.41 in Minnesota state withholding, and $330.00 in Minnesota Paid Leave, resulting in an estimated take-home pay of $2,191 per bi-weekly paycheck.
Does Minnesota have a state income tax?
Yes. Minnesota imposes a graduated individual income tax with four brackets: 5.35%, 6.80%, 7.85%, and 9.85%. The state uses separate withholding schedules for Single (which also applies to Head of Household) and Married Filing Jointly taxpayers.
What taxes come out of a Minnesota paycheck?
A typical W-2 employee paycheck in Minnesota has four mandatory statutory deductions: Federal Income Tax (FIT), Social Security tax (6.2%), Medicare tax (1.45%), Minnesota State Income Tax withholding (5.35% to 9.85%), and the Minnesota Paid Family & Medical Leave employee premium (0.44% on wages up to the Social Security wage cap). Minnesota cities and counties do not levy local municipal wage or income taxes.
How do I calculate Minnesota take-home pay?
To calculate Minnesota take-home pay: (1) determine gross earnings per pay period, (2) subtract pre-tax deductions to calculate adjusted taxable wages, (3) compute federal income tax and FICA taxes, (4) subtract $5,300 per Form W-4MN allowance claimed from annual wages and compute Minnesota tax from the state withholding table, (5) deduct the 0.44% Minnesota Paid Leave premium, and (6) subtract any post-tax deductions like Roth 401(k) contributions.
How do I calculate a weekly or biweekly paycheck in Minnesota?
For a biweekly schedule (26 pay periods per year), divide your annual salary and annual tax obligations by 26. On a $75,000 salary, gross biweekly pay is $2,884.62 and estimated net take-home pay is $2,190.96. For a weekly paycheck (52 pay periods), divide by 52. On a $52,000 annual salary ($1,000/week), weekly net pay is estimated at approximately $785.
How do I calculate an hourly paycheck in Minnesota?
For hourly workers, multiply your hourly rate by regular hours worked (up to 40 per week). For instance, earning $25 per hour for 40 hours per week yields $1,000 gross per week ($52,000 annualized). Federal withholding, FICA, Minnesota state income tax, and Minnesota Paid Leave are deducted based on this annualized earning rate, giving approximately $788 per weekly check.
How does overtime affect my Minnesota paycheck?
Under the Fair Labor Standards Act and Minnesota labor law, covered non-exempt employees earn 1.5 times their regular hourly rate for hours worked over 40 in a workweek. Overtime increases your gross pay and marginal withholding. In Minnesota, overtime premiums are subject to Minnesota state withholding and FICA, even if federal rules provide specific exclusions under recent legislation.
What is the Minnesota Paid Family and Medical Leave (PFML) deduction?
Effective January 1, 2026, Minnesota implemented its statewide Paid Family and Medical Leave program. The program is funded through payroll premiums set at 0.88% of covered wages, split between employers and employees. Employers may deduct up to 0.44% (0.44%) from employee gross wages up to the Social Security taxable wage base ($184,500). This provides partial wage replacement when employees take eligible medical or family leave.
How does a $150,000 married scenario calculate in Minnesota?
For a married couple filing jointly earning $150,000 with 0 allowances, Minnesota withholding is $8,494.25 annually ($326.70 biweekly), federal income tax is $15,340, FICA is $11,475, and Minnesota Paid Leave is $660.00. Total annual take-home pay is estimated at $114,031, or approximately $4,385.80 per biweekly paycheck.
Does Minnesota have local or city wage taxes?
No. Minnesota does not permit cities, townships, or counties to levy local earned income or payroll taxes. Whether you work in Minneapolis, Saint Paul, Rochester, Bloomington, or Duluth, only Minnesota state income tax and federal taxes apply.
What deductions can reduce my Minnesota take-home pay?
Pre-tax deductions like traditional 401(k) / 403(b) retirement plans, Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and employer-sponsored health insurance reduce both your federal AGI and Minnesota taxable withholding wages. For example, contributing $10,000 to a traditional 401(k) reduces your annual Minnesota state income tax by roughly $680. Post-tax deductions such as Roth 401(k) contributions and wage garnishments reduce net pay without lowering current taxes.
How does Minnesota state withholding compare to Wisconsin and Iowa?
On a $75,000 single salary, Minnesota state withholding is $4,297.41, compared to $3,667.48 in Wisconsin, $2,356.00 in Iowa, and $338.81 in North Dakota. Minnesota also includes the 0.44% statewide Paid Leave employee deduction. Note that Minnesota maintains tax reciprocity with North Dakota and Michigan (using Form MW-R), but does not currently have reciprocity with Wisconsin.
Is this Minnesota paycheck calculator affiliated with ADP or SmartAsset?
No. PayAtlas USA is an independent financial data publication and is not affiliated with ADP, SmartAsset, or the Minnesota Department of Revenue. This calculator runs deterministic mathematical models based on official Department of Revenue withholding formulas and the Minnesota Paid Leave statutes. Calculations are for estimation and planning purposes; consult your payroll department or a licensed tax professional for binding tax advice.

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⚠️ Disclaimer

This calculator provides estimates only. For personal financial advice, consult a licensed professional. Actual results may vary based on individual circumstances and current market conditions.