Minnesota Take-Home Pay Calculator
Estimate your Minnesota paycheck using MN's 2025 state tax brackets — topping out at 9.85%, among the highest in the country — plus federal income tax and FICA.
What comes out of a Minnesota paycheck
Minnesota applies four brackets from 5.35% to 9.85%. The top rate is notably high — among the highest state income tax rates in the country — but it only applies to single filers' income above $198,630 (or $330,410 for joint filers), so most Minnesota workers pay well below that marginal rate on the bulk of their earnings.
MN-taxable income: $80,000 − $4,000 pre-tax − $14,950 standard deduction = $61,050. MN tax on $61,050 (5.35%-6.8% brackets) ≈ $3,679.
Federal tax (on $61,000 taxable) ≈ $8,334 · MN state tax ≈ $3,679 · Social Security $4,960 · Medicare $1,160.
Annual take-home ≈ $57,867 → about $2,226 per biweekly paycheck (72.3% of gross).
Minnesota 2025 tax brackets (single filers)
| Taxable income | Rate |
|---|---|
| $0 – $32,570 | 5.35% |
| $32,570 – $106,990 | 6.8% |
| $106,990 – $198,630 | 7.85% |
| Over $198,630 | 9.85% |
Married-filing-jointly thresholds are meaningfully wider: 5.35% up to $47,620, 6.8% to $189,180, 7.85% to $330,410, and 9.85% above that. Both schedules are indexed for inflation and shift slightly each year.
Why Minnesota's top rate rarely applies to typical workers
Minnesota's 9.85% headline rate gets attention, but it's a true marginal rate that only bites on income above $198,630 for single filers — nearly four times the median individual income in the state. A worker earning $80,000 pays a blended effective rate well under 6%, even though their top marginal bracket is 6.8%. This is a common pattern with high-headline-rate states: the top bracket is real, but it affects a much smaller share of filers than the number itself suggests.
Common mistakes when estimating Minnesota take-home pay
- Assuming the 9.85% rate applies broadly. It only affects income above $198,630 (single) — most filers never reach it.
- Using a prior year's bracket thresholds. Minnesota indexes both brackets and the standard deduction for inflation annually.
- Expecting a local city income tax. No Minnesota city or county levies one.
Frequently asked questions
What are Minnesota's state income tax rates?
Four brackets for 2025: 5.35%, 6.8%, 7.85%, and 9.85% — the top rate is among the highest in the country.
Are Minnesota's tax brackets adjusted for inflation?
Yes — thresholds and the standard deduction are indexed to inflation every year.
Does Minnesota have local city income tax?
No — no Minnesota city or county levies a separate income tax on wages.
Do Minnesota's brackets differ by filing status?
Yes — married filing jointly uses meaningfully wider thresholds, though the four rates are the same.
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Note: Simplified estimate using 2025 state and federal figures; excludes credits and benefit specifics. Not tax advice. Figures: 2025 Minnesota and federal tax year. Last reviewed: September 2026.