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Minnesota Paycheck Calculator

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Use SmartAsset's paycheck calculator to calculate your take home pay per paycheck for both salary and hourly jobs after taking into account federal, state, and local taxes.

Overview of Minnesota Taxes

Minnesota has a progressive income tax system with rates that range from 5.35% to 9.85%. No Minnesota cities levy a local income tax on top of the state tax.

This calculator reflects the 2018 federal withholding tax changes.
Click here to learn more about how the Trump Tax Plan will affect you.

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  • Our Tax Expert

    Jennifer Mansfield, CPA Tax

    Jennifer Mansfield, CPA, JD/LLM-Tax, is a Certified Public Accountant with more than 30 years of experience providing tax advice. SmartAsset’s tax expert has a degree in Accounting and Business/Management from the University of Wyoming, as well as both a Masters in Tax Laws and a Juris Doctorate from Georgetown University Law Center. Jennifer has mostly worked in public accounting firms, including Ernst & Young and Deloitte. She is passionate about helping provide people and businesses with valuable accounting and tax advice to allow them to prosper financially. Jennifer lives in Arizona and was recently named to the Greater Tucson Leadership Program.

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Minnesota Paycheck Quick Facts
  • Minnesota income tax: 5.35% - 9.85%
  • Median household income: $63,217 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 0

How Your Minnesota Paycheck Works

Minnesota’s top income tax rate is one of the highest in the nation. If you’re a Minnesotan, your payroll taxes will include FICA taxes, federal income taxes and Minnesota’s own state taxes. Your first Minnesota pay stub could come with a bit of a shock if you’re used to earning money in a state with no income tax.

In Minnesota, as in every other state, your employer will withhold 6.2% of your earnings for Social Security taxes and 1.45% of your earnings for Medicare taxes, every pay period. Your employer will match those contributions, and the combination of your withholding and your employer’s contributions will pay in to the Social Security and Medicare systems for you. Earnings you have that exceed $200,000 will be subject to a 0.9% Medicare surtax. Your employer doesn’t match this surtax.

Then there’s the federal income tax. The W-4 form you give your employer indicates your marital status, the number of allowances you’re claiming and any additional tax withholding you want your employer to take from your paychecks. How much your employer withholds will depend on what you put on your W-4 form, as well as on your earnings. And the size of each of your paychecks will depend on your pay frequency, too. Monthly paychecks will be fatter than biweekly paychecks.

Withholding calculations have changed for the 2018 tax year because of the tax plan that President Trump signed into law in December 2017. The IRS released updated tax withholding guidelines in January and taxpayers should have seen changes to their paychecks, to reflect the new tax plan, starting in February 2018. For the time being, taxpayers do not need to fill out a new W-4. Employers will use the withholdings on your current form.

Some employees also opt to participate in programs that authorize their employer to withhold more money from each paycheck – say, for contributions to a 401(k), Flexible Spending Account (FSA) or Health Savings Account (HSA). That money is taken out of your earnings before taxes are applied, meaning you can save more in those accounts. Some employees who participate in employer-sponsored health, life or disability insurance have money deducted from each paycheck to cover those premiums, too. The deductions for employer-sponsored insurance are generally pre-tax.

Minnesota Median Household Income

YearMedian Household Income

In Minnesota, your employer will deduct money to put toward your state income taxes. Like federal income taxes, Minnesota income taxes are pay-as-you-go. You have money taken out of each paycheck throughout the year, rather than getting one giant tax bill in the spring.

For 2017, income up to $25,390 (for single filers) will be taxed at a rate of 5.35%. Income of $25,390 - $83,400 (for single filers) will be taxed at a rate of 7.05%. Income of $83,400 - $156,900 (for single filers) will be taxed at a rate of 7.85%. In the top bracket, income of over $156,900 will be taxed at a rate of 9.85%.

So although that top Minnesota rate of 9.85% may look like a scarily high percentage, it only applies to a high level of income. And because no Minnesota cities charge local income taxes you don’t have to worry about getting hit with an extra level of taxation based on the city where you work or live.

Minnesotans can give their employers a tax form that’s similar to the W-4 form, but for Minnesota taxes. It’s called the W-4MN and it’s where you claim allowances/exemptions from state taxes. However, you only have to give your employer a W-4MN if you claim fewer Minnesota withholding allowances than federal allowances, you claim more than 10 Minnesota withholding allowances, you want additional Minnesota tax withheld from your paychecks or you claim to be exempt from federal or Minnesota withholding. If none of those apply, you’re claiming the same number of Minnesota allowances as federal allowances and that number is 10 or less, you can just give your employer a W-4 and not bother to fill out Form W-4MN.

Income Tax Brackets

Single Filers
Minnesota Taxable IncomeRate
$0 - $25,3905.35%
$25,390 - $83,4007.05%
$83,400 - $156,9007.85%
Married, Filing Jointly
Minnesota Taxable IncomeRate
$0 - $37,1105.35%
$37,110 - $147,4507.05%
$147,450 - $261,5107.85%
Married, Filing Separately
Minnesota Taxable IncomeRate
$0 - $18,5605.35%
$18,560 - $73,7307.05%
$73,730 - $130,7607.85%
Head of Household
Minnesota Taxable IncomeRate
$0 - $31,2605.35%
$31,260 - $125,6007.05%
$125,600 - $209,2007.85%

How You Can Affect Your Minnesota Paycheck

Want a bigger Minnesota paycheck? You can’t move to a different city to escape local taxes, since there are none in the state. But you can seek a raise, or supplemental wages like bonuses, commissions and prizes. Depending on how your employer disburses supplemental wages, they’ll either be taxed at normal Minnesota income tax rates, or subject to a flat withholding rate of 6.25%.

If you want to adjust your withholding, you can always fill out a new W-4 form and/or a new W-4MN. Remember that claiming more allowances means less withholding and fewer allowances means more withholding. But when deciding how many allowances to claim, don’t just think about what will give you a bigger paycheck. If you claim allowances you’re not entitled to, you double-claim allowances with two employers or you just don’t have enough tax withheld, it will cost you at tax time.

You can also boost your contributions to a 401(k), FSA or HSA to shelter more of your income from taxes. Depending on your employer, you might also be able to stash pre-tax dollars in commuter benefits or 529 plans.

Minnesota may have high income taxes, but mortgage rates in the state have remained below the national average for the past 10 years. If you are interested in buying property in Minnesota or are looking at a refinance, check out our Minnesota mortgage guide for information mortgages in the state.

Minnesota Top Income Tax Rate

YearTop Income Tax Rate

Most Paycheck Friendly Places

SmartAsset's interactive map highlights the most paycheck friendly counties across the country. Zoom between states and the national map to see data points for each region, or look specifically at one of the four factors driving our analysis: Semi-Monthly Paycheck, Purchasing Power, Unemployment Rate, and Income Growth.

Rank County Semi-Monthly Paycheck Purchasing Power Unemployment Rate Income Growth

Methodology Our study aims to find the most paycheck friendly places in the country. These are places in the country with favorable economic conditions where you get to keep more of the money you make. To find these places we considered four different factors: semi-monthly paycheck, purchasing power, unemployment rate and income growth.

First, we calculated the semi-monthly paycheck for a single individual with two personal allowances. We applied relevant deductions and exemptions before calculating income tax withholding. To better compare withholding across counties we assumed a $50,000 annual income. We then indexed the paycheck amount for each county to reflect the counties with the lowest withholding burden.

We then created a purchasing power index for each county. This reflects the counties with the highest ratio of household income to cost of living. We also created an unemployment rate index that shows the counties with the lowest unemployment. For income growth, we calculated the annual growth in median income over five years for each county and indexed the results.

Finally, we calculated the weighted average of the indices to yield an overall paycheck friendliness score. We used a one half weighting for semi-monthly paycheck and a one-sixth weighting for purchasing power, unemployment rate and income growth. We indexed the final number so higher values reflect the most paycheck friendly places.

Sources: SmartAsset, government websites, US Census Bureau 2016 5-Year American Community Survey, MIT Living Wage Study, Bureau of Labor Statistics