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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%. Only a few states have a higher top tax rate than Minnesota. On the bright side, there are no local income taxes in the Land of 10,000 Lakes.

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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.

    ...read more
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Minnesota Paycheck Quick Facts
  • Minnesota income tax: 5.35% - 9.85%
  • Median household income: $65,699 (U.S. Census Bureau)
  • Number of cities that have local income taxes: 0

How Your Minnesota Paycheck Works

If you’re a Minnesotan, your payroll taxes will include FICA taxes, federal income taxes and Minnesota’s own state taxes. Let’s break down what those taxes are and how much you can expect to pay.

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 total contribution makes up the FICA taxes. Earnings that exceed $200,000 are 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. Naturally the size of your paychecks will also depend on your pay frequency. Monthly paychecks will be larger than biweekly paychecks because they cover a longer pay period.

Note that withholding calculations changed for the 2018 tax year because of the tax plan that President Trump signed into law in December 2017. You should have seen changes to your paychecks starting in February 2018. Regardless, it’s a good idea to check your W-4 at the start of the year to ensure the information is all correct.

In addition to the required tax withholding, there are also some voluntary contributions you may want to make. For example, contributions to a 401(k) plan, flexible spending account (FSA) or health savings account (HSA) will all come out of your paychecks. The money you put in these types of accounts is also pre-tax, which means it comes out of your pay before income taxes do. Pre-tax contributions lower your taxable income and may even push you into a lower tax bracket.

Any premiums you have to pay for employer-sponsored health, life or disability insurance will also come from your paychecks. The deductions for employer-sponsored insurance are generally pre-tax.

Minnesota Median Household Income

YearMedian Household Income
2017$65,699
2016$63,217
2015$61,492
2014$61,481
2013$60,702
2012$58,906
2011$56,954
2010$55,459
2009$55,616
2008$57,288

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. Money comes out of each of your paychecks throughout the year rather than you getting one giant tax bill in the spring.

As mentioned earlier, Minnesota has one of the highest top tax rates in the country. However, that top rate of 9.85% only applies to a high level of income (more than $160,020 for single filers in 2018). And because no Minnesota cities charge local income taxes, you don’t have to worry about getting hit with any other income taxes.

Minnesota also has a tax form that’s similar to the federal 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 one of the following applies to you:

  • 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.
  • You claim to be exempt from federal or Minnesota withholding.

If none of those apply, you can just give your employer a W-4. The Form W-4MN isn’t necessary.

If you receive supplemental wages like bonuses or commissions, the taxes you pay depend on how your employer disburses supplemental wages. The wages are either taxed at normal Minnesota income tax rates or they’re subject to a flat withholding rate of 6.25%.

Income Tax Brackets

Single Filers
Minnesota Taxable IncomeRate
​$0 - $25,8905.35%
$25,891 - $85,0607.05%
$85,061 - $160,0207.85%
​$160,020+9.85%
Married, Filing Jointly
Minnesota Taxable IncomeRate
​$0 - $37,8505.35%
$37,851 - $150,3807.05%
​$150,381 - $266,7007.85%
$266,700+9.85%
Married, Filing Separately
Minnesota Taxable IncomeRate
​$0 - ​$18,9305.35%
​$18,931 - $75,1907.05%
$75,191 - $133,3507.85%
$133,350+9.85%
Head of Household
Minnesota Taxable IncomeRate
$0​ - $31,8805.35%
$31,881 - ​$128,0907.05%
$128,091 - $213,3607.85%
$213,360+9.85%

How You Can Affect Your Minnesota Paycheck

If you want to adjust the size of your paycheck, first look to your W-4. You may be able to claim more or fewer allowances to change your paycheck that way. If you do want to make changes to your W-4, simply fill out a new form and give it to your employer. Remember that claiming more allowances means less withholding (larger paycheck) and fewer allowances means more withholding (smaller paycheck). 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, if you double-claim allowances with two employers or if 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 a commuter benefits plan or 529 college savings plan.

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 to refinance, check out our Minnesota mortgage guide for all the information you need on mortgages and rates in the state.

Minnesota Top Income Tax Rate

YearTop Income Tax Rate
20189.85%
20179.85%
20169.85%
20159.85%
20149.85%
20137.85%
20127.85%
20117.85%
20107.85%
20097.85%
20087.85%
20077.85%
20067.85%

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.

Worse
Better
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 2017 5-Year American Community Survey, MIT Living Wage Study, Bureau of Labor Statistics