Minnesota Paycheck Calculator 2026
Calculate your net salary in Minneapolis, St. Paul, Rochester, and statewide across Minnesota. This calculator applies a simplified flat 7.0% rate for fast estimates — Minnesota actually uses graduated tax brackets.
Salary & Withholding Inputs
Live ComputeComprehensive Payroll Deduction Breakdown Per Paycheck & Annual
| Category | Per Paycheck | Annual Total | % Gross |
|---|---|---|---|
| Gross Pay | $3,846.15 | $100,000.00 | 100.0% |
| 401(k) Retirement Pre-Tax | -$192.31 | -$5,000.00 | 5.0% |
| Pre-Tax Health Insurance | -$69.23 | -$1,800.00 | 1.8% |
| Federal Income Tax (IRS) | -$449.00 | -$11,674.00 | 12.3% |
| Social Security (6.2%) | -$238.46 | -$6,200.00 | 6.2% |
| Medicare (1.45%) | -$55.77 | -$1,450.00 | 1.5% |
| Minnesota State Income Tax (7.0%) | -$250.92 | -$6,524.00 | 6.5% |
| Net Take-Home Pay | $2,590.46 | $67,352.00 | 67.8% |
Midwest Tax Comparison
MN 7.0% vs WI 5.6%Minnesota uses graduated tax brackets (simplified here as a flat 7.0% rate). In neighboring Wisconsin, there is a 5.6% rate. In Iowa, there is a 3.8% rate.
Frequently Asked Questions: Minnesota Paycheck Taxes
1. What is the Minnesota state income tax rate in 2026?
Minnesota uses graduated (progressive) income tax brackets, so the rate rises with income. This calculator applies a simplified flat 7.0% rate for fast take-home estimates — for exact withholding, check the state's official tax tables.
2. Do Minneapolis residents pay a city income tax?
No. Unlike New York City, Philadelphia, or Detroit, Minneapolis does not levy an additional local municipal income tax on employees. You only pay federal income tax, FICA, and Minnesota state tax.
3. Does Minnesota have state disability insurance (SDI) tax?
No. Unlike California, New Jersey, or New York, Minnesota does not have a mandatory state disability insurance (SDI) deduction taken from your paycheck.