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Minnesota Paycheck Calculator (2026)

Enter your annual salary below to see your Minnesota take-home pay after federal, state, FICA, and any local taxes for 2026.

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Quick answer

Minnesota applies a progressive state income tax topping at 9.85% on the highest incomes, plus a small Minnesota PFML employee contribution. At $85,000 single, the after-tax estimate is $63,997 per year. The state runs no traditional SDI program, and no MN city levies a separate local income tax.

Minnesota's progressive state income tax climbs through four brackets to a top marginal rate of 9.85%, one of the higher state-only top rates in the country among states that do not also stack a broad city or county income tax layer. At $85,000, the marginal state rate is 6.8% on the top slice of taxable income. Minnesota Paid Family and Medical Leave launched as a payroll deduction in 2026, wired into withholding as a small employee share capped on annual wages, and it appears on the pay stub as Minnesota PFML. No MN city imposes a separate local income tax on wages, so the visible state-side line beyond the bracket schedule is the PFML contribution alone. At $85,000 for a single filer, federal income tax lands at $9,870, state income tax at $4,257, combined FICA at $6,503, and take-home for the year at $63,997. The effective total rate is 24.71%. Use the calculator below to model 401(k) or HSA contributions, or compare Minnesota against neighboring Wisconsin, Iowa, or South Dakota.

Minnesota state tax breakdown

Single-filer state income tax brackets used by the calculator for 2026.

Taxable IncomeRate
$0 - $33,3105.35%
$33,310 - $109,4306.8%
$109,430 - $203,1507.85%
$203,150+9.85%

Major Minnesota metros

These metros do not levy a separate city income tax; paycheck math runs the Minnesota state schedule above. Each metro page adds city-specific context (cost of living, major employers, commute patterns) on top of the state calculator.

MinneapolisMinnesota metro context

vs. baseline ($85,000 single filer)

A $85,000 salary in Minnesota takes home approximately $4,600 less than the same salary in a no-income-tax state like Texas or Florida.

What this estimate includes

This calculator computes Minnesota take-home pay using 2026 federal brackets after the standard deduction, FICA contributions (Social Security at the federal rate up to the annual wage base, Medicare on all wages, plus the Additional Medicare Tax above the filing-status threshold), Minnesota's state income tax schedule above, and any local income tax or state-administered payroll program (SDI, PFML, FAMLI) when you select a city or county. For states with no broad-based personal income tax, the state line is zero. It excludes employer-side payroll taxes, custom W-4 elections, supplemental-wage handling for bonuses or equity vesting, and income from sources other than W-2 wages.

Minnesota paycheck FAQ

What is the federal tax bill on $85,000 single in Minnesota for 2026?
Federal income tax at $85,000 for a Minnesota single filer is approximately $9,870, with the top slice of taxable income inside the 22% federal bracket after the standard deduction. The federal computation runs identically across all states, so the federal line is the same for a Minnesota, Wisconsin, or Iowa resident at this gross.
How much Minnesota state tax does someone owe on $85,000?
Minnesota state income tax at $85,000 for a single filer is roughly $4,257, an effective state rate of 5.01%. The marginal rate on the top slice is 6.8% under the bracket schedule. Minnesota PFML adds a small per-paycheck contribution on top of the bracket tax, already rolled into the take-home estimate.
Do Minneapolis, Saint Paul, or any other Minnesota city tax wages?
Cities and counties in Minnesota do not levy a separate income tax on employee wages. Minneapolis, Saint Paul, Rochester, Duluth, and Bloomington residents all see the same state line on the pay stub. Property tax carries most of the local-government revenue load; the state schedule plus PFML is the only state-side withholding above the federal line.
How much does a 401(k) contribution save at $85,000 in Minnesota?
At $85,000 single in Minnesota, the combined marginal rate is 28.8% (federal 22% plus state 6.8%). Traditional 401(k) and HSA contributions reduce both federal and Minnesota taxable income at that combined rate. The progressive state schedule means the per-dollar saving shifts when contributions drop AGI across a Minnesota bracket boundary.
What changes for married filing jointly, head of household, or filing separately at $85,000 in Minnesota?
Married filing jointly at $85,000 in Minnesota produces take-home of about $69,290, roughly $5,294 more than the single estimate. Wider federal MFJ brackets and the doubled federal standard deduction drive most of the change; Minnesota's MFJ schedule per MN DOR widens at roughly 1.5x the Single thresholds, adding state-side relief. Head of Household at this gross lands at about $67,541, around $3,544 more than Single. Minnesota publishes a distinct HoH schedule (Minn. Stat. ch. 290) with thresholds sitting between Single and MFJ, so HoH movement comes from both federal and state sides. Married Filing Separately uses the MFJ schedule halved per MN DOR practice; combined two-return MFS take-home runs roughly $5,423 less than MFJ.
How does Minnesota compare to Wisconsin at $85,000?
Wisconsin runs a progressive schedule topping below Minnesota's top rate. The take-home difference between Minnesota and Wisconsin at $85,000 single is roughly $1,056 per year. Federal tax and FICA are identical across both. Minnesota's PFML deduction adds a small per-paycheck contribution that Wisconsin workers do not face, widening the Minnesota side of the gap slightly.

Take-home at common salaries for Minnesota

Dedicated salary-anchor pages with a federal-state-FICA breakdown, vs-baseline callouts, and a calculator pre-set to that salary and Minnesota.

$50,000 after taxesin Minnesota$75,000 after taxesin Minnesota$100,000 after taxesin Minnesota$150,000 after taxesin Minnesota$200,000 after taxesin Minnesota$250,000 after taxesin Minnesota

See also

Start from the full US take-home calculatorRun the same numbers against South DakotaIowa take-home, for comparisonNorth Dakota take-home, for comparisonMinnesota vs Wisconsin: side-by-side paycheck comparisonHow the same salary lands in IllinoisMinnesota hourly pay, by pay periodSee how a bonus is withheld in MinnesotaTune your W-4 withholding for MinnesotaSee how two locations compare on take-homePlain-English glossary of paycheck termsThe math behind these numbers

Reviewed

How This Page Is Reviewed

The Minnesota paycheck page is reviewed against primary federal and state sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-07-12