Minnesota income tax in 2026
Minnesota has a graduated income tax with rates from 5.35% to 9.85% for single filers, spread across 4 brackets. Traditional 401(k) contributions lower your Minnesota taxable income as well as your federal taxable income. Minnesota then subtracts its own standard deduction of $15,300 for single filers ($30,600 married filing jointly). Personal exemptions: $5,300 per dependent.
| Taxable income (single) | Rate |
|---|---|
| $0 – $33,310 | 5.35% |
| $33,310 – $109,430 | 6.8% |
| $109,430 – $203,150 | 7.85% |
| Over $203,150 | 9.85% |
| Taxable income (married filing jointly) | Rate |
|---|---|
| $0 – $48,700 | 5.35% |
| $48,700 – $193,480 | 6.8% |
| $193,480 – $337,930 | 7.85% |
| Over $337,930 | 9.85% |
Minnesota rules and notes
- 2026 brackets are indexed up 2.369% from 2025 (Minnesota DOR, Dec. 16, 2025). Rates are unchanged: 5.35%, 6.80%, 7.85%, 9.85%.
- Minnesota starts from federal adjusted gross income and uses its own standard deduction ($15,300 single/MFS, $23,000 HOH, $30,600 joint for 2026). The extra amount for age 65+ or blind is $2,000 (single/HOH) or $1,600 (married) per condition.
- The standard deduction phases down when AGI exceeds $244,400 ($122,200 MFS). The cut is 3% of AGI between $244,400 and $337,800 ($122,200-$168,900 MFS) plus 10% of AGI above $337,800 ($168,900 MFS), but it never exceeds 80% of the deduction. At AGI over $1,107,750 the full 80% cut applies. Itemized deductions have similar limits.
- There is no personal exemption for the taxpayer or spouse. The dependent exemption is $5,300 per dependent. It starts to phase out at AGI above $244,500 (single), $305,600 (HOH), $366,700 (joint) and $183,350 (MFS), dropping 2 percentage points for each $2,500 ($1,250 MFS) of AGI over the threshold.
- An additional 1% tax applies to net investment income above $1 million (in effect since 2024). It is not included in the brackets.
- Refundable Child Tax Credit of up to $1,800 per qualifying child for 2026, phased out with income. Not modeled.
Minnesota take-home pay by salary
Single filer, paid every two weeks, 2026 rules, standard deduction and no pre-tax deductions; includes Minnesota income tax but not local taxes.
| Salary | Federal income tax | Social Security + Medicare | Minnesota income tax | Take-home per year | Per bi-weekly paycheck |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,321 | $32,999 | $1,269.18 |
| $50,000 | $3,820 | $3,825 | $1,877 | $40,478 | $1,556.86 |
| $60,000 | $5,020 | $4,590 | $2,557 | $47,833 | $1,839.75 |
| $75,000 | $7,670 | $5,738 | $3,577 | $58,016 | $2,231.38 |
| $100,000 | $13,170 | $7,650 | $5,277 | $73,903 | $2,842.44 |
| $150,000 | $24,734 | $11,475 | $8,942 | $104,849 | $4,032.66 |
Hourly wages after taxes in Minnesota
Full-time (40 hours a week, 2,080 hours a year), no overtime, single filer:
| Hourly wage | Annual pay | Weekly take-home | Bi-weekly take-home | Take-home per year | Take-home per hour |
|---|---|---|---|---|---|
| $15.00 | $31,200 | $507.66 | $1,015.33 | $26,399 | $12.69 |
| $20.00 | $41,600 | $657.66 | $1,315.33 | $34,199 | $16.44 |
| $25.00 | $52,000 | $806.72 | $1,613.44 | $41,949 | $20.17 |
| $30.00 | $62,400 | $953.82 | $1,907.64 | $49,599 | $23.85 |
Minnesota vs. neighboring states
Take-home pay on a $75,000 salary (single, bi-weekly), with the difference from Minnesota. Federal taxes are identical in every state, so the gaps come from state income tax. On a $75,000 salary, Minnesota ranks #48 of 51 (50 states and DC) for take-home pay. Nationally, take-home pay on $75,000 ranges from $56,538 in Oregon to $61,593 in states without a wage tax; the median is $59,005.
| State | State income tax | Take-home per year | Per bi-weekly paycheck | vs. Minnesota |
|---|---|---|---|---|
| Minnesota | $3,577 | $58,016 | $2,231.38 | — |
| South Dakota | None | $61,593 | $2,368.94 | +$3,577 |
| North Dakota | $182 | $61,411 | $2,361.95 | +$3,395 |
| Iowa | $2,198 | $59,394 | $2,284.40 | +$1,378 |
| Wisconsin | $2,944 | $58,649 | $2,255.73 | +$633 |
Neighboring state calculators: South Dakota, North Dakota, Iowa, Wisconsin. See all 50 states and DC on the national paycheck calculator.
How your Minnesota paycheck is calculated
- Gross pay for the year is your salary, or your hourly wage × hours × 52 plus overtime at 1.5×.
- Pre-tax deductions such as a traditional 401(k), health premiums and HSA contributions are subtracted before federal income tax.
- Federal income tax uses the 2026 brackets, your filing status’s standard deduction ($16,100 single) and credits for children and other dependents.
- Social Security and Medicare take 6.2% (up to $184,500 of wages) and 1.45%.
- Minnesota income tax is figured on the annual amount using the rules above, then divided across your paychecks.
We divide the annual totals by your number of paychecks, which is how a correctly completed 2026 Form W-4 is designed to withhold. Your employer’s withholding tables may differ by a few dollars per check. For your full-year tax bill, use the income tax calculator.
Frequently asked questions
How much is $75,000 a year after taxes in Minnesota?
A single filer earning $75,000 in Minnesota takes home about $58,016 a year in 2026, or $2,231.38 per bi-weekly paycheck. That is after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $3,577 of Minnesota income tax. Pre-tax 401(k) or health deductions would lower your taxes but also your take-home pay.
Does Minnesota have a state income tax?
Yes. Minnesota has a graduated income tax with rates from 5.35% to 9.85% for single filers in 2026. On a $75,000 salary, that works out to about $3,577 a year, or $137.56 per bi-weekly paycheck, an effective state rate of 4.77% of gross pay. Employers withhold it from each paycheck along with federal taxes.
How much is $20 an hour after taxes in Minnesota?
Full time (40 hours a week), $20 an hour is $41,600 a year. After 2026 federal income tax, Social Security and Medicare and Minnesota income tax, a single filer in Minnesota takes home about $34,199 a year, or $1,315.33 per bi-weekly paycheck, about $16.44 per hour worked.
How does take-home pay in Minnesota compare with nearby states?
On a $75,000 salary (single, bi-weekly), take-home pay is $58,016 a year in Minnesota. In neighboring states it ranges from $58,649 to $61,593; South Dakota (the highest nearby) is $3,577 higher. Federal taxes are the same everywhere, so the gap comes entirely from state income tax.
How much federal tax comes out of each paycheck on a $75,000 salary?
Federal taxes don’t depend on the state. For a single filer paid every two weeks on $75,000, about $295.00 of federal income tax, $178.85 of Social Security (6.2%) and $41.83 of Medicare (1.45%) come out of each 2026 paycheck, based on the $16,100 standard deduction. Children, pre-tax deductions and W-4 choices change the federal amount.