Minnesota Paycheck Calculator
Where is your money going?
Official Sources & References
This calculator uses data from the following authoritative sources. All tax rates, brackets, and thresholds are verified against official government publications:
- Minnesota Dept. of Revenue
- IRS Tax Brackets 2025
- IRS W-4 Tax Withholding Estimator
- SSA 2025 Wage Base Limit
- US Dept. of Labor - Minimum Wage
- IRS Publication 15 (Employer's Tax Guide)
This calculator is for informational purposes only and does not constitute tax advice. Consult a qualified tax professional or the IRS for guidance specific to your situation.
Minnesota State Income Tax Rates (2025)
Minnesota has one of the highest top income tax rates in the Midwest at 9.85%, compared to South Dakota (0%) and Wisconsin (7.65%). The high rate funds strong public services.
| Taxable Income | Tax Rate |
|---|---|
| $0–$31,690 | 5.35% |
| $31,691–$104,090 | 6.8% |
| $104,091–$183,340 | 7.85% |
| Over $183,340 | 9.85% |
The minimum wage in Minnesota is $10.85/hr as of 2025. Minnesota's minimum wage exceeds the federal minimum of $7.25/hr.
How to Calculate Your Minnesota Paycheck
Your Minnesota take-home pay is your gross pay minus the following deductions:
This calculator also serves as a Minnesota payroll calculator, Minnesota salary calculator, Minnesota income calculator, and Minnesota take home pay calculator. Whether you search for "MN paycheck calculator" or "minnesota wage calculator," this tool gives you accurate 2025 results.
- Federal Income Tax — based on 2025 IRS brackets and your filing status (10%–37%)
- Social Security — 6.2% of wages up to $176,100 (2025 wage base)
- Medicare — 1.45% of all wages (plus 0.9% surtax on earnings over $200,000)
- Minnesota State Income Tax — calculated using Minnesota's 2025 tax brackets (top rate 9.85%)
- Pre-tax deductions — 401(k), HSA, health insurance premiums reduce your taxable income
Minnesota Paycheck Quick Facts (2025)
| State Income Tax | Progressive — 9.85% (4 brackets) |
| Minimum Wage | $11.13 |
| Median Household Income | $84,313 |
| Cost of Living Index | 98.5 (US avg = 100) |
| Local Taxes | No local income taxes |
| Pay Frequency Law | Monthly required for most employees |
What Makes Minnesota Paychecks Unique
Minnesota uses a progressive system with a top rate of 9.85% across 4 brackets. With a median household income of $84,313 and a cost of living index of 98.5 (where 100 is the national average), your paycheck's purchasing power is above the national average.
- Minnesota has four brackets: 5.35%, 6.80%, 7.85%, and 9.85% — one of the highest top rates in the nation.
- Minnesota began taxing global intangible low-taxed income (GILTI) in recent years, affecting international earners.
- Minnesota fully taxes Social Security benefits for higher-income residents, though it provides a subtraction for lower incomes.
Example Minnesota Paycheck: $60,000 Salary
Here is what a typical bi-weekly paycheck looks like for a single filer earning $60,000/year in Minnesota:
| Line Item | Amount |
|---|---|
| Bi-Weekly Gross Pay | $2,307.69 |
| Federal Income Tax | -$204.00 |
| Social Security (6.2%) | -$143.08 |
| Medicare (1.45%) | -$33.46 |
| Minnesota State Tax | -$138.46 |
| Net Take-Home Pay | $1,788.69 |
This means you keep about $1,788.69 of every bi-weekly paycheck, or roughly $46,505.94 per year after all taxes. Use the calculator above to get a precise estimate based on your exact salary, filing status, and deductions.
Tips to Maximize Your Minnesota Paycheck
Here are proven strategies specific to Minnesota residents to keep more of every paycheck:
- Review your W-4 annually: Life changes like marriage, children, or a home purchase can change your optimal withholding. Use the IRS Tax Withholding Estimator to fine-tune your Minnesota paycheck.
- Contribute to pre-tax retirement: Every dollar contributed to a traditional 401(k) reduces both your federal and Minnesota state tax liability. A $500/month contribution can increase your net paycheck by $100–$175/month depending on your bracket.
- Use an HSA if eligible: Health Savings Accounts offer triple tax benefits: tax-deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses. The 2025 limit is $4,300 for individuals.
- Check for Minnesota-specific credits: Many states offer credits and deductions beyond the federal ones. Check with the Minnesota Department of Revenue for credits you may be eligible for.