Minnesota Paycheck Calculator
Estimate Minnesota take-home pay including federal, state, local taxes and FICA, factoring pre-tax deductions with multiple pay frequencies for workers.
Minnesota income tax rate
Minnesota uses progressive state brackets. Most workers fall into one of four tiers, with a top rate of 9.85%. Withholding starts from gross pay, subtracts pre-tax benefits (traditional 401(k), HSA/FSA, pre-tax insurance), then applies Minnesota tables using your W-4MN (plus federal W-4) and pay frequency. Credits, dependent allowances, and supplemental pay methods (bonuses/commissions) can change per-check results, even if annual salary is unchanged. Local governments in Minnesota do not levy separate wage income taxes, so state plus federal are your primary income tax layers. Verify each pay stub after life events or benefit changes to keep withholding accurate.
| Year | Top Rate |
|---|---|
| 2016 | 9.85% |
| 2017 | 9.85% |
| 2018 | 9.85% |
| 2019 | 9.85% |
| 2020 | 9.85% |
| 2021 | 9.85% |
| 2022 | 9.85% |
| 2023 | 9.85% |
| 2024 | 9.85% |
| 2025 | 9.85% |
Minnesota median household income
Minnesota’s median household income is consistently above the national average, supported by healthcare, manufacturing, technology, education, and professional services. Values dipped during pandemic disruption, then resumed growth as labor markets tightened. Remember: nominal dollars don’t reflect inflation—compare “real” dollars for purchasing-power trends. Regional gaps are meaningful: the Twin Cities metro typically exceeds statewide medians, while some rural counties trend lower. Use the table as directional benchmarks when evaluating offers, budgeting, or comparing cities and suburbs. Household size, benefits, and local housing costs can materially change what a given salary feels like across Minnesota communities.
| Year | Income |
|---|---|
| 2016 | $68,500 |
| 2017 | $71,500 |
| 2018 | $74,900 |
| 2019 | $78,700 |
| 2020 | $80,200 |
| 2021 | $82,600 |
| 2022 | $84,300 |
| 2023 | $87,900 |
| 2024 | $90,100 |
| 2025 | $91,400 (prelim.) |
Minnesota Federal Insurance Contributions Act (FICA)
FICA funds Social Security and Medicare and appears on every Minnesota paycheck. Employees pay 6.2% Social Security on wages up to the annual wage base (employers match) and 1.45% Medicare on all wages (also matched). High earners owe an additional 0.9% Medicare surtax above federal thresholds (not employer-matched). Pre-tax health premiums under Section 125 typically reduce both income tax and FICA wages; traditional 401(k) lowers income-tax wages but not FICA. Because Minnesota has no city wage tax, your main statutory withholdings are federal income tax, FICA, and Minnesota income tax.
Minnesota number of cities that have local income taxes
Minnesota does not impose local (city or county) wage income taxes. Paychecks generally reflect federal withholding, FICA, and the statewide Minnesota income tax only.
| Locality | Resident Rate | Nonresident Rate |
|---|---|---|
| All Minnesota cities/counties | None | None |
How Your Minnesota Paycheck Works
Your pay period starts with gross wages. Payroll subtracts pre-tax benefits—traditional 401(k), HSA/FSA, commuter, and pre-tax insurance—to arrive at taxable wages. Withholding then includes federal income tax (W-4), Social Security and Medicare (FICA), and Minnesota state income tax using W-4MN elections and the state tables for your pay frequency. Post-tax deductions (Roth 401(k), garnishments, charitable gifts) occur after taxes and don’t reduce taxable wages. Pay schedule (weekly, biweekly, semimonthly, monthly) changes per-check amounts but not annual tax. Always review stubs after status, address, or benefit changes.
Minnesota Wage and Hour Laws: Overtime, Pay Frequency
Overtime: Minnesota follows FLSA standards—most non-exempt employees earn 1.5× their regular rate for hours over 40 in a workweek; exemptions apply where duties and salary thresholds are met.
Pay frequency: Employers must set a regular payday and pay on consistent intervals; biweekly and semimonthly schedules are common. Final-pay timelines and itemized wage-statement rules apply; check employer policy and state guidance for details.
FAQs
How do I use the Minnesota Paycheck Calculator?
Enter gross pay, pay schedule, W-4/W-4MN details, pre-tax benefits, and any post-tax deductions to estimate state, federal, and FICA withholding.
What are Minnesota’s current income tax brackets?
Minnesota uses progressive brackets with a top rate of 9.85%; your effective rate depends on income, filing status, and credits.
Do any Minnesota cities have a wage income tax?
No. Minnesota does not levy local wage income taxes; withholding covers federal, FICA, and state only.
How do pre-tax 401(k) and HSA contributions affect my paycheck?
They lower taxable wages for income tax, boosting take-home pay. 401(k) typically doesn’t reduce FICA, while many health premiums do.
Are bonuses taxed differently in Minnesota?
State tax applies under normal tables; employers may use federal percentage or aggregate methods for federal withholding on supplemental wages.
Why is my coworker’s withholding different?
Differences in W-4MN elections, pre-tax benefits, supplemental pay, and year-to-date earnings change per-check withholding and net pay.
What is Minnesota’s minimum wage policy?
Minnesota sets state minimum wages that may exceed federal; large and small employer rates differ. Employers must pay the higher applicable rate.
How often must I be paid in Minnesota?
Employers must maintain a regular payday and pay consistently—commonly biweekly or semimonthly—per policy, contract, and state rules.
Do remote workers owe Minnesota income tax?
Residents owe tax on all income; nonresidents owe tax on Minnesota-sourced wages. Check reciprocity and credits for other-state taxes.
Where can I confirm current Minnesota forms and tables?
See the Minnesota Department of Revenue for W-4MN, withholding tables, and employer guidance for the current tax year.