Minnesota Paycheck Calculator

Minnesota doesn't use the federal W-4 for state withholding — employees file a separate Form W-4MN with their own marital status and allowances ($5,300/yr each in 2026), then a 4-bracket schedule from 5.35% up to 9.85% applies.

Pay type

Annual salary

Pay frequency

State

Federal filing status (W-4 Step 1)

Multiple jobs or spouse works (W-4 Step 2 checkbox)Check if you hold more than one job or file jointly and your spouse also works.

Form W-4MN marital status

Minnesota uses its own W-4MN, not the federal W-4.

W-4MN allowances

W-4 Steps 3–4: dependents, other income, deductions

Dependents credit (Step 3, annual)

$2,000 per qualifying child under 17.

Other income (Step 4a, annual)

Deductions beyond standard (Step 4b, annual)

Extra withholding (Step 4c, per paycheck)

Benefits & deductions (per paycheck)

Your age

Only used to check 401(k)/HSA catch-up contribution limits — optional.

Traditional 401(k)

HSA contribution

HSA coverage type

Family coverage has a higher IRS contribution limit.

Health FSA

Health insurance premiums

Post-tax deductions

Roth 401(k), garnishments, and other after-tax amounts.

Estimated take-home pay

$2,204per biweekly paycheck

$57,295 per year ·

Take-home 76.4%Federal 10.2%FICA 7.7%State 5.7%

In a no-income-tax state like Texas, the same pay would take home about $4,298 more per year.

Minnesota withholding uses Form W-4MN's own marital status (Single or Married; Minnesota does not track a separate Head of Household bracket, so an unmarried employee selects Single) and withholding allowances ($5,300/yr each for 2026), not the federal W-4. Annualized wages less allowances are run through a 4-bracket schedule (5.35% to 9.85%) that already has a built-in zero-tax band ($4,700 single/$14,700 married) before the first real bracket. If an employee files no Form W-4MN, the employer must withhold at the Single status with zero allowances. Supplemental wages (bonuses, commissions) are a flat 6.25%, not modeled here.

How Minnesota taxes your paycheck in 2026

Brackets: 5.35%, 6.80%, 7.85%, 9.85%
Allowance value: $5,300/yr each (Form W-4MN)
No form on file: Withheld as Single, zero allowances

2026 Minnesota withholding rate schedule (single, annual)

Rendered from the same data file the calculator computes with.

Taxable income	Rate
$0 – $4,700	0%
$4,700 – $38,010	5.35%
$38,010 – $114,130	6.8%
$114,130 – $207,850	7.85%
Over $207,850	9.85%

Minnesota paycheck FAQs

Why does Minnesota need its own W-4 form?

The redesigned federal W-4 dropped withholding allowances in 2020, but Minnesota's formula still uses them, so every employee who files a federal W-4 must also file a Minnesota Form W-4MN.

What is Minnesota's top withholding rate?

9.85%, applying to taxable wages above $207,850/yr for single filers or $352,630/yr for married filers in 2026.

How are Minnesota bonuses taxed?

Supplemental wages like bonuses and commissions are withheld at a flat 6.25%, regardless of your regular allowances.

Tax data verified 2026-07-21 against the official source. See our methodology.