Minnesota Paycheck Calculator: Calculate Your MN Take-Home Pay
Understanding your Minnesota take-home pay requires navigating federal, FICA, and state income tax obligations. Our Minnesota Paycheck Calculator provides accurate, up-to-date calculations for 2025 tax rates, including Minnesota's progressive state income tax system with four tax brackets ranging from 5.35% to 9.85%.
Whether you're a new resident, changing jobs, or adjusting your withholdings, this calculator helps you estimate your net pay with precision. We account for federal withholdings, FICA taxes (Social Security and Medicare), Minnesota state income tax, and common pre-tax deductions like 401(k) contributions, HSA, and FSA.
Understanding Minnesota's Tax Structure
Minnesota's tax system features a progressive state income tax with four distinct brackets. Unlike some states, Minnesota does not have local income taxes, which simplifies paycheck calculations. For 2025, Minnesota's state income tax rates range from 5.35% to 9.85% based on income level and filing status.
2025 Minnesota State Tax Rates
| Taxable Income Range | Rate | Filing Status |
|---|---|---|
| $0 - $30,070 | 5.35% | Single |
| $30,070 - $92,350 | 6.80% | |
| $92,350 - $171,220 | 7.85% | |
| Over $171,220 | 9.85% |
Key Minnesota Tax Features
- No local income taxes - simpler calculations
- Four progressive tax brackets based on income
- Standard deduction of $13,825 for single filers (2025)
- Personal exemption credit available
- Married and head of household filers have different bracket thresholds
What Your Paycheck Deductions Include
Understanding each deduction on your Minnesota paycheck helps you plan your finances more effectively. Here's a detailed breakdown of what's taken out and why:
Federal Income Tax
Based on your W-4 form and IRS tax brackets, this withholding funds federal programs. The amount varies by income level, filing status, and the number of allowances you claim. Minnesota residents pay federal taxes just like residents of any other state.
FICA Taxes (Social Security & Medicare)
Social Security: 6.20% of gross wages up to $168,600 (2025 wage base limit)
Medicare: 1.45% of all gross wages, plus 0.9% additional Medicare tax for high earners ($200,000+ for single filers)
Minnesota State Income Tax
Minnesota's progressive tax system means you pay higher rates as your income increases. Tax rates range from 5.35% to 9.85% depending on your taxable income and filing status. This calculator applies the correct rate based on your annualized income.
Pre-tax Deductions (Optional)
- 401(k): Retirement savings that reduce taxable income at all levels
- HSA: Health Savings Account for medical expenses with triple tax advantages
- FSA: Flexible Spending Account for healthcare or dependent care expenses
How to Use This Calculator Effectively
Our Minnesota Paycheck Calculator is designed for accuracy and ease of use. Follow these steps to get the most accurate estimate of your take-home pay:
1Enter Your Gross Pay
Input your gross salary or hourly wage before any deductions. This is your total earnings for the pay period.
2Select Pay Frequency and Filing Status
Choose how often you're paid and your tax filing status. This affects how taxes are calculated.
3Add Pre-tax Deductions
Include any 401(k), HSA, or FSA contributions. These reduce your taxable income and can significantly increase take-home pay.
4Review Your Results
See your net pay breakdown with all deductions itemized. Toggle between per-paycheck and annual view for better planning.
Real-World Examples and Scenarios
Understanding how Minnesota taxes work in practice can help you make informed financial decisions. Here are realistic scenarios showing different situations:
Example 1: Single Professional in Minneapolis
Scenario: Sarah earns $75,000 annually, paid biweekly, filing as single
- Gross per paycheck: $2,884.62
- Federal tax: ~$396.15
- State tax (7.85% effective rate): ~$175.00
- FICA: ~$179.85
- Medicare: ~$41.83
- Net pay: ~$2,091.79
Example 2: Married Couple in St. Paul with 401(k)
Scenario: Mike and Lisa earn $120,000 combined, file jointly, contribute 6% to 401(k)
- Gross per paycheck: $4,615.38
- 401(k) contribution: $276.92
- Federal tax: ~$461.54
- State tax (7.85% bracket): ~$340.00
- FICA: ~$276.15
- Medicare: ~$64.31
- Net pay: ~$3,196.46
Example 3: Recent Graduate in Rochester
Scenario: Alex starts at $45,000 annually, single, in lower tax bracket
- Gross per paycheck: $1,730.77
- Federal tax: ~$173.08
- State tax (5.35%): ~$92.12
- FICA: ~$107.31
- Medicare: ~$25.10
- Net pay: ~$1,333.16
Common Mistakes to Avoid
Even small errors in calculating your Minnesota paycheck can lead to significant discrepancies. Avoid these common mistakes:
Mistake #1: Using Federal Tax Rates for State
Minnesota state tax brackets are different from federal brackets. Using 22% federal thinking it applies to state can significantly overestimate your Minnesota tax.
Mistake #2: Ignoring Pre-tax Deductions Impact
401(k), HSA, and FSA contributions reduce taxable income. Failing to include them means you're calculating taxes on income that isn't actually taxed.
Mistake #3: Not Accounting for Minnesota's High Top Rate
Minnesota's 9.85% top tax rate is one of the highest in the nation. High earners ($171,220+ single) need to plan for significant state tax withholding.