Minnesota paycheck: key takeaways
- Take-home: $57,686 a year ($2,218.69 biweekly) on a $75,000 salary — you keep 76.9% of your gross pay.
- Where it goes: $17,314 in taxes and payroll programs: $7,670 federal income tax, $5,738 Social Security and Medicare, $3,577 Minnesota income tax, $330 in state payroll programs.
- Next dollar: taxed at about 36.9% — a $5,000 raise adds $3,156 to take-home.
- Ranking: #48 of 51 for take-home pay at $75,000, and #36 once cost of living is included.
- Wage rules: minimum wage $11.41/hour; semi-monthly or monthly; Form W-4MN.
Take-home 76.9% · Federal tax 10.2% · Social Security 6.2% · Medicare 1.5% · Minnesota tax 4.8% · Payroll programs 0.4%
Minnesota paycheck at a glance
- 5.35%–9.85%Minnesota state income tax on wages
- $57,686Take-home on $75,000 (single)
- 36.9%Combined tax on your next dollar
- #36 of 51After adjusting for cost of living
- $11.41/hrMinnesota minimum wage (July 2026)
- 8.14%Combined sales tax (state + average local)
- $87,117Median household income (2024)
- Form W-4MNState withholding form
Minnesota take-home pay by salary (2026)
The table below shows what a single filer takes home in Minnesota at common salaries, paid every two weeks with no pre-tax deductions. Click a salary for its dedicated Minnesota breakdown, or change any input in the calculator above to match your own situation.
| Salary | Take-home / year | Per month | Biweekly | Tax rate |
|---|---|---|---|---|
| $30,000 | $25,367 | $2,114 | $975.64 | 15.4% |
| $40,000 | $32,823 | $2,735 | $1,262.41 | 17.9% |
| $50,000 | $40,258 | $3,355 | $1,548.40 | 19.5% |
| $60,000 | $47,569 | $3,964 | $1,829.59 | 20.7% |
| $75,000 | $57,686 | $4,807 | $2,218.69 | 23.1% |
| $100,000 | $73,463 | $6,122 | $2,825.52 | 26.5% |
| $150,000 | $104,189 | $8,682 | $4,007.27 | 30.5% |
The bars show the share of gross pay you keep. As income rises, federal brackets and Minnesota's higher state brackets pull that share down gradually — from 84.6% at $30,000 to 69.5% at $150,000.
Minnesota salary ladder: $20,000 to $250,000
Filing status changes the result a lot. This ladder shows annual take-home pay in Minnesota for a single filer, a married couple filing jointly on one income, and a head of household — from part-time earnings to high-income salaries.
| Gross salary | Single | Married (joint) | Head of household | Single: biweekly | Single: tax rate |
|---|---|---|---|---|---|
| $20,000 | $17,741 | $18,382 | $18,131 | $682.33 | 11.3% |
| $25,000 | $21,569 | $22,978 | $22,374 | $829.56 | 13.7% |
| $30,000 | $25,367 | $27,573 | $26,202 | $975.64 | 15.4% |
| $35,000 | $29,095 | $31,653 | $30,030 | $1,119.02 | 16.9% |
| $40,000 | $32,823 | $35,481 | $33,858 | $1,262.41 | 17.9% |
| $45,000 | $36,551 | $39,309 | $37,623 | $1,405.79 | 18.8% |
| $50,000 | $40,258 | $43,137 | $41,330 | $1,548.40 | 19.5% |
| $55,000 | $43,914 | $46,965 | $44,986 | $1,689.00 | 20.2% |
| $60,000 | $47,569 | $50,733 | $48,641 | $1,829.59 | 20.7% |
| $65,000 | $51,225 | $54,461 | $52,297 | $1,970.19 | 21.2% |
| $70,000 | $54,530 | $58,189 | $55,952 | $2,097.32 | 22.1% |
| $75,000 | $57,686 | $61,917 | $59,608 | $2,218.69 | 23.1% |
| $80,000 | $60,841 | $65,635 | $63,263 | $2,340.05 | 23.9% |
| $90,000 | $67,152 | $72,946 | $70,574 | $2,582.78 | 25.4% |
| $100,000 | $73,463 | $80,257 | $77,045 | $2,825.52 | 26.5% |
| $110,000 | $79,774 | $87,568 | $83,356 | $3,068.25 | 27.5% |
| $125,000 | $89,174 | $98,534 | $92,820 | $3,429.77 | 28.7% |
| $150,000 | $104,189 | $115,112 | $107,932 | $4,007.27 | 30.5% |
| $175,000 | $119,204 | $130,889 | $122,947 | $4,584.77 | 31.9% |
| $200,000 | $135,246 | $147,694 | $138,989 | $5,201.77 | 32.4% |
| $250,000 | $164,945 | $181,719 | $169,330 | $6,344.04 | 34.0% |
Effective and marginal rates diverge as pay rises. Effective rate is total tax divided by gross pay; marginal rate is the tax on your next dollar:
| Salary | Effective rate | Marginal rate (next $1) |
|---|---|---|
| $30,000 | 15.4% | 25.4% |
| $50,000 | 19.5% | 26.9% |
| $75,000 | 23.1% | 36.9% |
| $100,000 | 26.5% | 36.9% |
| $150,000 | 30.5% | 39.9% |
| $250,000 | 34.0% | 44.2% |
How the tax is calculated: a $75,000 worked example
Here is the full arithmetic for a single filer earning $75,000 in Minnesota, so you can follow every dollar. Federal income tax is progressive: the standard deduction of $16,100 is subtracted first, leaving $58,900 of taxable income, and each slice is taxed at its own rate.
| Federal bracket | Income in bracket | Rate | Tax |
|---|---|---|---|
| $0 – $12,400 | $12,400 | 10% | $1,240 |
| $12,400 – $50,400 | $38,000 | 12% | $4,560 |
| $50,400 – $105,700 | $8,500 | 22% | $1,870 |
| Federal income tax | $7,670 |
IRS Publication 15-T withholding gives the same annual figure ($7,670) for a standard W-4. Next come the payroll taxes: Social Security at 6.2% of wages up to $184,500 ($4,650) and Medicare at 1.45% ($1,088).
Then Minnesota: subtract the $15,300 standard deduction, which leaves $59,700 of Minnesota taxable income.
| Minnesota bracket | Income in bracket | Rate | Tax |
|---|---|---|---|
| $0 – $33,310 | $33,310 | 5.35% | $1,782 |
| $33,310 – $109,430 | $26,390 | 6.8% | $1,795 |
| Minnesota income tax | $3,577 |
Adding it all up: $7,670 federal + $5,738 FICA + $3,577 Minnesota + $330 state payroll programs = $17,314 in total, so $57,686 is left — the same result as the calculator.
Minnesota income tax rates and brackets for 2026
Minnesota uses graduated brackets from 5.35% to 9.85%. The standard deduction is $15,300 for single filers and $30,600 for married couples filing jointly. At $75,000, your next dollar of Minnesota income is taxed at 6.8%.
Single filers
| Taxable income over | Rate |
|---|---|
| $0 | 5.35% |
| $33,310 | 6.8% |
| $109,430 | 7.85% |
| $203,150 | 9.85% |
Married filing jointly
| Taxable income over | Rate |
|---|---|
| $0 | 5.35% |
| $48,700 | 6.8% |
| $193,480 | 7.85% |
| $337,930 | 9.85% |
Federal brackets, the standard deduction and FICA are covered in our 2026 federal tax bracket guide.
Other Minnesota paycheck deductions: payroll programs and local taxes
State payroll programs
Beyond income tax, Minnesota workers pay into a state program that show up as separate lines on the pay stub. On a $75,000 salary they cost $330 a year. See our guide to state disability and paid-leave programs.
- Paid Leave: 0.44% of wages up to $185,000. Total premium 0.88%; employers may deduct up to half (0.44%). The 2026 wage cap is the Social Security limit rounded to $185,000.
Reading your Minnesota pay stub
Every deduction on a Minnesota pay stub maps to a line in the calculator. Abbreviations vary by payroll provider, so here are the labels you are likely to see and what each one is:
| Deduction | Common stub labels |
|---|---|
| Federal income tax | FIT · FITW · FED W/H |
| Social Security | OASDI · SOC SEC · FICA-SS |
| Medicare | MED · MEDICARE · FICA-MED |
| Minnesota income tax | MN SIT · MN W/H · MN-PIT |
| MN Paid Leave | MN PAID · MN-PAIDL |
Pre-tax deductions such as a traditional 401(k), HSA or health premium appear above the tax lines and lower your taxable wages. Our pre-tax deductions guide explains which taxes each one reduces.
Minnesota hourly wage to take-home pay
Working 40 hours a week for 52 weeks, a single filer in Minnesota takes home these amounts in 2026. The last column is your real hourly wage after tax.
| Hourly wage | Gross / year | Take-home / year | Weekly take-home | After-tax hourly |
|---|---|---|---|---|
| $15.00 | $31,200 | $26,261 | $505.02 | $12.63 |
| $20.00 | $41,600 | $34,016 | $654.14 | $16.35 |
| $25.00 | $52,000 | $41,721 | $802.32 | $20.06 |
| $30.00 | $62,400 | $49,324 | $948.54 | $23.71 |
| $40.00 | $83,200 | $62,861 | $1,208.86 | $30.22 |
| $50.00 | $104,000 | $75,988 | $1,461.30 | $36.53 |
Overtime in Minnesota: a $20/hour example
Overtime is paid at 1.5× for hours over 40 a week under federal law. Extra pay is taxed at your marginal rate, so overtime is worth less after tax than it looks:
| Overtime hours / week | Gross / year | Take-home / year | Weekly take-home | Kept from overtime |
|---|---|---|---|---|
| 0 hours | $41,600 | $34,016 | $654.14 | — |
| 5 hours | $49,400 | $39,820 | $765.76 | 74.4% |
| 10 hours | $57,200 | $45,522 | $875.43 | 73.8% |
| 15 hours | $65,000 | $51,225 | $985.09 | 73.5% |
Federal law also allows a deduction for qualified overtime pay through 2028, claimed when you file your return rather than reflected in paycheck withholding — see our overtime tax guide.
Minnesota paycheck by pay frequency
Annual take-home is the same however often you are paid, but each check is different. For a $75,000 salary in Minnesota (semi-monthly or monthly is what state law requires or permits):
| Pay frequency | Checks / year | Gross per check | Take-home per check |
|---|---|---|---|
| Weekly | 52 | $1,442.31 | $1,109.34 |
| Every 2 weeks | 26 | $2,884.62 | $2,218.69 |
| Twice a month | 24 | $3,125.00 | $2,403.58 |
| Monthly | 12 | $6,250.00 | $4,807.16 |
Ways to keep more of your Minnesota paycheck
Traditional 401(k) contributions
A traditional 401(k) lowers your federal and state taxable wages, so each dollar you save costs less than a dollar of take-home. On a $75,000 salary in Minnesota:
| Contribution | Amount / year | Take-home drops by | Tax saved | Take-home / year |
|---|---|---|---|---|
| None | $0 | $0 | $0 | $57,686 |
| 3% | $2,250 | $1,602 | $648 | $56,084 |
| 6% | $4,500 | $3,204 | $1,296 | $54,482 |
| 10% | $7,500 | $5,340 | $2,160 | $52,346 |
| 15% | $11,250 | $8,285 | $2,965 | $49,401 |
Children and dependents
Each qualifying child under 17 lowers federal withholding by the $2,200 child tax credit if you enter it on your W-4, and Minnesota also gives a $5,300 dependent exemption. Effect on a $75,000 single-filer paycheck:
| Children | Take-home / year | Biweekly |
|---|---|---|
| 0 | $57,686 | $2,218.69 |
| 1 | $60,246 | $2,317.17 |
| 2 | $62,807 | $2,415.64 |
| 3 | $65,367 | $2,514.12 |
Raises: how much you actually keep
| Current salary | Raise | Gross raise | Added take-home | You keep |
|---|---|---|---|---|
| $40,000 | 3% | $1,200 | $895 | 74.6% |
| $40,000 | 5% | $2,000 | $1,491 | 74.6% |
| $40,000 | 10% | $4,000 | $2,982 | 74.6% |
| $60,000 | 3% | $1,800 | $1,316 | 73.1% |
| $60,000 | 5% | $3,000 | $2,193 | 73.1% |
| $60,000 | 10% | $6,000 | $4,387 | 73.1% |
| $75,000 | 3% | $2,250 | $1,420 | 63.1% |
| $75,000 | 5% | $3,750 | $2,367 | 63.1% |
| $75,000 | 10% | $7,500 | $4,733 | 63.1% |
| $100,000 | 3% | $3,000 | $1,893 | 63.1% |
| $100,000 | 5% | $5,000 | $3,156 | 63.1% |
| $100,000 | 10% | $10,000 | $6,311 | 63.1% |
Compared with a no-income-tax state: the same $75,000 salary would take home about $3,907 more per year in Texas than in Minnesota, before considering sales tax, property tax and cost of living.
Check your W-4. Entering dependents lowers withholding; ticking the multiple-jobs box or adding extra withholding raises it. Read our W-4 guide, then test changes in the calculator's advanced options.
Minnesota minimum wage in 2026
The Minnesota minimum wage is $11.41 per hour as of July 1, 2026. The rate is adjusted every year; overtime is due after 48 hours a week. Someone working full time (2,080 hours) at that rate earns about $23,733 a year and takes home roughly $20,598, or $792.25 every two weeks, after federal, FICA and state taxes.
That is $1,717 a month. For comparison, the median Minnesota household earned $87,117 in 2024, so a single full-time minimum-wage paycheck covers about 27.2% of the state median household income before tax.
Minnesota pay rules, withholding forms and reciprocity
Pay frequency: Semi-monthly or monthly. Wages must be paid at least once every 31 days.
Withholding form: Form W-4MN — give it to your employer along with the federal W-4 when you start a job or your situation changes. Official guidance comes from the Minnesota Department of Revenue.
Minnesota income, sales tax and cost of living
The median household in Minnesota earned $87,117 in 2024 (Census ACS), so a $75,000 salary is 14% below the state median. Prices matter as much as pay: Minnesota's overall price level is 98.6 against a national 100 — about 1% cheaper than average (BEA regional price parity, 2024).
Adjusting for that, the $57,686 you take home on $75,000 buys what $58,493 would buy at the national average price level — #36 of 51 for cost-of-living-adjusted take-home, compared with #48 before adjusting for prices.
Minnesota's state sales tax is 6.88%, and local governments add an average of 1.26%, for a combined 8.14% (Tax Foundation, July 1, 2026). Combine the 6.8% state income tax rate on your next dollar with this sales tax rate to see how Minnesota taxes what you earn and what you spend.
Minnesota vs neighboring states
Living or working near a border? Here is take-home pay on a $75,000 salary (single filer) in the states that touch Minnesota, compared with Minnesota's $57,686.
| # | Neighbor | State income tax | Take-home / year | vs Minnesota |
|---|---|---|---|---|
| 1 | South Dakota | None | $61,593 | +$3,907 |
| 2 | North Dakota | 1.95%–2.5% | $61,411 | +$3,725 |
| 3 | Iowa | 3.8% flat | $59,394 | +$1,708 |
| 4 | Wisconsin | 3.5%–7.65% | $58,649 | +$963 |
Because Minnesota has reciprocity agreements with Michigan, North Dakota, commuters from those states usually pay income tax only to the state where they live.
How Minnesota compares with other states
At $75,000, a single filer in Minnesota keeps $57,686 a year — #48 of 51 and $1,319 less than the median state. States with similar take-home pay:
Minnesota salary after tax
- $30,000 after tax in Minnesota
- $35,000 after tax in Minnesota
- $40,000 after tax in Minnesota
- $45,000 after tax in Minnesota
- $50,000 after tax in Minnesota
- $55,000 after tax in Minnesota
- $60,000 after tax in Minnesota
- $65,000 after tax in Minnesota
- $70,000 after tax in Minnesota
- $75,000 after tax in Minnesota
- $80,000 after tax in Minnesota
- $85,000 after tax in Minnesota
- $90,000 after tax in Minnesota
- $100,000 after tax in Minnesota
- $120,000 after tax in Minnesota
- $150,000 after tax in Minnesota
Minnesota paycheck FAQ
Does Minnesota have a state income tax?
Yes. Minnesota uses a graduated system with rates from 5.35% up to 9.85% in 2026.
How much is take-home pay on $60,000 a year in Minnesota?
A single filer earning $60,000 takes home about $47,569 per year, or $1,829.59 biweekly, in 2026 (effective tax rate 20.7%).
How much is take-home pay on $100,000 a year in Minnesota?
A single filer earning $100,000 takes home about $73,463 a year, or $2,825.52 biweekly, in 2026.
What is the Minnesota minimum wage in 2026?
Minnesota's minimum wage is $11.41 an hour (rates as of July 1, 2026). The rate is adjusted every year; overtime is due after 48 hours a week. A full-time worker at that rate earns about $23,733 a year and takes home roughly $20,598.
Where does Minnesota rank for take-home pay?
At a $75,000 salary (single filer), Minnesota ranks #48 of 51 jurisdictions for take-home pay — $1,319 below the median state. After adjusting for cost of living it ranks #36.
What is the marginal tax rate in Minnesota at $75,000?
Counting federal income tax, FICA and state income tax, the next dollar you earn at $75,000 is taxed at about 36.9%. Of that, 22% is your federal bracket and 6.8% is Minnesota income tax.
How often do employers in Minnesota have to pay you?
Semi-monthly or monthly. Wages must be paid at least once every 31 days.
Which state withholding form do I fill out in Minnesota?
Form W-4MN. Your employer uses it, together with the federal W-4, to set your state withholding.
What is the sales tax in Minnesota?
Minnesota's state sales tax is 6.88% and the average local rate adds 1.26%, for a combined average of 8.14% as of July 1, 2026.
How does a 401(k) change my Minnesota paycheck?
Contributing $6,000 to a traditional 401(k) on a $75,000 salary lowers annual take-home by $4,272 and reduces your tax bill by about $1,728.
How much does a raise add to take-home pay in Minnesota?
A $5,000 raise at $75,000 adds about $3,156 to annual take-home — you keep 63.11% of it after tax.
Are there other payroll deductions in Minnesota?
Yes: Paid Leave (0.44% up to $185,000). These are included in the calculator.
Can I live in one state and work in Minnesota?
Minnesota has income tax reciprocity with Michigan, North Dakota. Residents of those states can usually ask their employer to skip Minnesota withholding and pay tax only to their home state.
Sources & methodology
Federal withholding follows IRS Publication 15-T (2026); see our methodology and editorial policy. Figures reviewed September 29, 2026. Results are estimates, not tax advice — see the disclaimer.
- Minnesota DOR — 2026 brackets, standard deduction and exemption
- Tax Foundation — 2026 State Income Tax Rates and Brackets (as of Jan 1, 2026)
- U.S. Department of Labor — State minimum wage laws (rates effective July 1, 2026)
- U.S. Department of Labor — State payday requirements
- TEAM Companies — State tax withholding forms (accurate as of Jan 20, 2026)
- Tax Foundation — State and Local Sales Tax Rates, Midyear 2026 (as of July 1, 2026)
- U.S. Census Bureau — Household Income in States and Metropolitan Areas: 2024 (ACS 1-year, ACSBR-025)
- U.S. Bureau of Economic Analysis — Regional Price Parities by State and Metro Area
- FRED (St. Louis Fed) — BEA 2024 Regional Price Parities by state, data table
- State tax reciprocity agreements (2026)
- Minnesota Paid Leave — premium rate and contributions