How does Minnesota work out the income tax taken from my paycheck?

The Department of Revenue's computer formula multiplies the paycheck by the number of pay periods, takes $5,300 off for each allowance on your Form W-4MN, and looks the rest up in a chart for your marital status. The single chart starts at 5.35% and steps to 6.8%, 7.85% and 9.85%, and the answer is divided back across the paychecks and rounded to the dollar. For a $60,000 salary with 2 allowances, that is $49,400, a chart tax of $2,556.61, and $98.33 a paycheck, which is $98.00 to the dollar.

How much is $60,000 a year after tax in Minnesota?

For a single employee with 2 allowances on the W-4MN, paid every two weeks, a $60,000 salary takes home $1,829.92 a paycheck, or $47,577.98 a year. The year's taxes are $5,020.08 of federal income tax, $2,548.00 of Minnesota income tax, $3,720.08 of Social Security, $869.96 of Medicare and $263.90 for Minnesota Paid Leave.

How much is $20 an hour after tax in Minnesota?

At 40 hours a week and weekly pay, $20 an hour is $800.00 gross and $654.20 take-home a week for a single employee with 2 allowances. That is $54.08 of federal income tax, $27.00 of Minnesota income tax, $49.60 of Social Security, $11.60 of Medicare and $3.52 for Paid Leave. Switch to hourly in the calculator to type your own hours, including overtime.

How many allowances do I claim on the Minnesota Form W-4MN?

Section 1 adds five steps: 1 if no one else can claim you (A), 1 if you are single with one job or married with one job and a spouse who does not work (B), 1 if you are married (C), 1 for each dependent you will claim (D) and 1 if you will file as head of household (E). A single employee with one job and no dependents counts 2. On the $60,000 example, 2 allowances withhold $98.00 of state tax a paycheck, against $112.00 with 1 and $126.00 with none. A federal Form W-4 does not set the Minnesota allowances, and with no W-4MN on file the employer withholds as a single employee with zero.

What are the three marital status boxes on the W-4MN?

Single, which includes married but legally separated or with a nonresident alien spouse; Married; and Married, but withhold at higher Single rate. The Married chart starts taxing above $14,700 instead of $4,700, so the same $60,000 salary with 2 allowances withholds $71.00 of state tax a paycheck as Married against $98.00 as Single. Head of household is not a box: it is one more allowance in step E, taken with the Single chart.

What is Minnesota Paid Leave, and does it come out of my paycheck?

It is the state's paid family and medical leave program. The 2026 premium is 0.88% of pay up to $185,000, and the law lets an employer collect up to 0.44% from employees, half. This calculator takes the 0.44%, which is $10.15 of the $60,000 example's paycheck and $263.90 a year, as a line of its own. Small employers pay a lower rate of 0.66% in total, and an employer can choose to cover more of the premium than it has to.

How does Minnesota tax a bonus?

A payment made separately from regular wages, such as a bonus, overtime or a commission, is withheld at a flat 6.25% regardless of the allowances claimed. When it comes in the same paycheck as regular wages and is listed separately, the employer can instead add the two and use the tables on the total. This calculator treats all pay as regular pay, and the bonus tax calculator works out the bonus case.

What if I live in another state but work in Minnesota?

Minnesota has reciprocity agreements with Michigan and North Dakota: a resident of either who works in Minnesota hands in Form MWR each year and Minnesota does not withhold. For a resident of any other state, an employer who withholds federal tax must also withhold Minnesota tax in most cases, except when it expects to pay the employee less than $15,300 in 2026.

What does a 401(k), an HSA or a health plan do to my Minnesota paycheck?

Minnesota follows the federal provisions for determining taxable wages, so this calculator takes a 401(k) deferral, health premiums through a cafeteria plan and HSA contributions through one out of the pay before it applies the Minnesota chart. Putting 6% of a $60,000 salary into a 401(k) ($138.46 a paycheck) cuts Minnesota withholding by $9.00 and take-home pay by only $112.84. A $100 HSA contribution a paycheck cuts Minnesota withholding by $6.00.

Who pays unemployment tax in Minnesota, and how much is it?

The employer does, to Unemployment Insurance Minnesota, and nothing comes out of your paycheck for it. Taxable wages are the first $44,000 of each employee's pay. A new employer's rate depends on its industry and is 1.00% in most; with the 0.40% base tax rate that is 1.4%, or $616.00 a year per employee, plus a 14% additional assessment on that tax, $86.24. Minnesota is not on the Labor Department's list of states with a 2026 federal credit reduction.

Minnesota Paycheck Calculator

Last updated October 22, 2026FreeNo signupFormula shown

Enter your pay, how often you are paid, the answers on your Form W-4 and Minnesota Form W-4MN, and this Minnesota paycheck calculator shows your 2026 take-home pay. It follows the Department of Revenue's computer formula, rates from 5.35% to 9.85% on what is left after your allowances, adds the Paid Leave premium, and works out the employer's side of the bill under it.

State

Minnesota

Another state? Pick any of the 50 states and DC.

I'm paid

Yearly salary (USD)

Pay frequency

Filing status on Form W-4

Minnesota withholding

Allowances on Form W-4MN (line 1)

Counted on the form's worksheet: 1 if no one else can claim you (step A), 1 if you are single with one job (B), 1 if you are married (C), 1 for each dependent (D), 1 more as head of household (E); each takes $5,300 off the year's pay.

Form W-4 steps 2 to 4

Step 2 box is checked

Two jobs with similar pay, or both spouses work. Minnesota reads this as Married, but withhold at higher Single rate on Form W-4MN.

Children under 17

Step 3: $2,200 each.

Other dependents

Step 3: $500 each.

Other income per year

Step 4(a).

Deductions per year

Step 4(b).

Extra withholding each paycheck (USD)

Step 4(c).

401(k), % of pay

2026 limit $24,500.

Health premiums per paycheck

Pre-tax.

HSA per paycheck

2026 limit $8,750.

Take-home pay per paycheck

$1,829.92

$2,307.69 gross · $477.77 withheld (20.7%)

Where this paycheck goes

Gross pay: $2,307.69
Federal income tax: - $193.08
Social Security6.2%: - $143.08
Medicare1.45%: - $33.46
Additional Medicare0.9%: - $0.00
Minnesota income tax: - $98.00
Minnesota Paid Leave0.44%: - $10.15
401(k): - $0.00
Health premiums: - $0.00
HSA: - $0.00

Take-home pay$1,829.92

Over the year, 26 paychecks

Gross pay: $60,000
Taxes: - $12,422
Pre-tax deductions: - $0
Share kept: 79.3%

Take-home pay$47,578

Of every $100 of gross pay, $79 is take-home.

Federal income tax$5,020 · 8.4%
Social Security$3,720 · 6.2%
Medicare$870 · 1.4%
Minnesota income tax$2,548 · 4.2%
Minnesota Paid Leave$264 · 0.4%
Take-home pay$47,578 · 79.3%

Take-home pay rises with every extra dollar of salary.

Gross payTake-home pay

This pay costs the employer $65,598 a year, $2,523.01 each pay period.

What the employer adds, per year

Employer Social Security6.2% to $184,500: $3,720
Employer Medicare1.45%: $870
Federal unemployment (FUTA)0.6% of the first $7,000: $42
Minnesota unemployment1.4% of the first $44,000: $616
Minnesota additional assessment0.196% of the first $44,000: $86
Minnesota Paid Leave (employer share)0.44% of the first $185,000: $264

Employer taxes$5,598

Total cost of the employee

Gross pay: $60,000
Employer taxes: + $5,598
Per pay period: $2,523.01

Per year$65,598

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Minnesota withholds 5.35% to 9.85% of a year's pay, after $5,300 for each allowance on your W-4MN.

The Department of Revenue's computer formula has your employer turn the paycheck into a year of pay, take $5,300 off for each allowance on your Form W-4MN and look up the rest in a chart for your marital status. The single chart taxes nothing up to $4,700, then 5.35%, 6.8% above $38,010, 7.85% above $114,130 and 9.85% above $207,850. The married chart starts at $14,700 and steps at $63,400, $208,180 and $352,630. The result is divided back across the paychecks and rounded to the dollar, so Minnesota withholding is always a whole number.

A $60,000 Minnesota salary takes home $1,829.92 every two weeks.

The calculator opens on this case: a single employee with 2 allowances on the W-4MN, which is what its worksheet gives one job and nobody else claiming you, a standard Form W-4, paid every two weeks, with no pre-tax deductions.

Gross pay: $60,000 ÷ 26 = $2,307.69
Federal income tax: $193.08
Minnesota income tax: $60,000 − 2 × $5,300 = $49,400; $1,782.09 + 6.8% × ($49,400 − $38,010) = $1,782.09 + $774.52 = $2,556.61; ÷ 26 = $98.33, which is $98.00 to the dollar
Minnesota Paid Leave: 0.44% × $2,307.69 = $10.15
Social Security: 6.2% × $2,307.69 = $143.08; Medicare: 1.45% = $33.46
Take-home pay: $1,829.92 a paycheck, $47,577.98 a year

Of $60,000 gross, $47,578 reaches the bank account.

Federal income tax$5,020 · 8.4%
Social Security$3,720 · 6.2%
Medicare$870 · 1.4%
Minnesota income tax$2,548 · 4.2%
Minnesota Paid Leave$264 · 0.4%
Take-home pay$47,578 · 79.3%

Each paycheck: $1,829.92Kept: 79.3%

A single employee on a $60,000 salary, paid every two weeks, with 2 allowances on the W-4MN. Invented example. Each tax is rounded to the cent in every paycheck, as payroll does.

A single worker with one job counts 2 allowances on the W-4MN, and each one takes about $14.00 off a paycheck.

Section 1 of the form adds up to five steps. A is 1 if no one else can claim you, B is 1 if you are single with one job, C is 1 if you are married, D is 1 for each dependent and E is 1 for head of household. Each allowance keeps $5,300 of pay from tax, which is $14.00 of withholding a paycheck at the 6.80% step. With no W-4MN on file the employer uses zero allowances, which here withholds $126.00.

Zero allowances withhold $126.00 of Minnesota tax from a biweekly paycheck and five withhold $59.00.

0 allowances$126.00
1 allowance$112.00
2 allowances$98.00
3 allowances$84.00
5 allowances$59.00

Invented example: a $60,000 salary, single, paid every two weeks. Each allowance is $5,300 of pay a year, and the saving shrinks once pay falls into the 5.35% step.

The marital status box moves the Minnesota tax of this paycheck from $71.00 to $98.00.

The W-4MN has three boxes: Single, Married, and Married but withhold at the higher Single rate. Married employees use the chart that starts taxing above $14,700. Step C of the allowances worksheet says to enter 0 if you are married and have a working spouse or more than one job, and the third box has the employer withhold at the Single chart. Head of household is one more allowance (step E), taken with the Single chart.

The marital status on the W-4MN sets the Minnesota tax of a biweekly paycheck, from $71.00 to $98.00.

Single, 2 allowances$98.00
Married, 2 allowances$71.00
Married, but withhold at higher Single rate$98.00

Invented example: a $60,000 salary, paid every two weeks, 2 allowances, no pre-tax deductions.

Minnesota Paid Leave takes $10.15 of this paycheck, on top of the income tax.

The 2026 premium is 0.88% of pay up to $185,000, made of 0.61% for medical leave and 0.27% for family leave. An employer can collect up to half, 0.44%, from the employee, which on the $60,000 example is $10.15 a paycheck and $263.90 a year. The calculator shows it as a line of its own, because it is not an income tax and is not lowered by your allowances.

Minnesota follows the federal rule on wages, so a 401(k) lowers the tax.

Fact Sheet 9 from the Department of Revenue says Minnesota follows the federal provisions for determining taxable wages. A 401(k) deferral of 6% on the $60,000 example is $138.46 a paycheck, and it lowers Minnesota withholding by $9.00. Social Security and Medicare still apply to a 401(k) deferral, but not to health premiums or an HSA contribution made through a cafeteria plan.

A 6% 401(k) lowers federal tax by $16.62 and Minnesota tax by $9.00 a paycheck.

Federal tax, no 401(k)$193.08
Federal tax, 6% 401(k)$176.46
Minnesota tax, no 401(k)$98.00
Minnesota tax, 6% 401(k)$89.00

Invented example: a $60,000 salary, single, paid every two weeks. 6% of pay is $138.46 a paycheck.

Hiring that employee costs $65,598 a year in Minnesota.

On top of the $60,000, the employer matches Social Security and Medicare at 6.2% and 1.45%, which is $4,590. It pays federal unemployment tax of 0.6% on the first $7,000, which is $42; Minnesota is not on the Labor Department's list of states with a 2026 credit reduction. Minnesota unemployment tax on the first $44,000 of pay is $616.00 at 1.4%(a typical new employer rate of 1.00% plus the 0.40% base tax rate), with a 14% additional assessment of $86.24. The employer's half of Paid Leave adds $264.00. The employee pays none of these.

On $60,000 of pay, the employer owes $5,598 more in taxes.

Employer Social Security$3,720
Employer Medicare$870
Minnesota unemployment$616
Minnesota additional assessment$86
Minnesota Paid Leave (employer share)$264
Federal unemployment (FUTA)$42

An employee on a $60,000 salary. Minnesota unemployment is the 2026 new-employer rate of 1.4% on the first $44,000.

Take-home pay in Minnesota runs from $32,818 on $40,000 to $104,187 on $150,000.

For a single employee with 2 allowances, paid every two weeks. Minnesota and Michigan have a reciprocity agreement for people who live in one and work in the other, which is explained on the Michigan paycheck calculator.

Take-home pay in Minnesota for a single employee on a standard Form W-4, paid every two weeks, with no pre-tax deductions. Minnesota taxes are its income tax and Paid Leave.
Salary	Federal tax	Social Security and Medicare	Minnesota taxes	Take-home a year	Every two weeks
$40,000	$2,620	$3,060	$1,502	$32,818	$1,262.23
$50,000	$3,820	$3,825	$2,092	$40,263	$1,548.59
$60,000	$5,020	$4,590	$2,812	$47,578	$1,829.92
$75,000	$7,670	$5,738	$3,918	$57,674	$2,218.25
$100,000	$13,170	$7,650	$5,718	$73,462	$2,825.46
$150,000	$24,734	$11,475	$9,604	$104,187	$4,007.20

Methodology & sources

The formula this calculator uses is shown in full above, and every assumption is an input you control. There are no hidden industry presets. All math runs in your browser; nothing you enter is stored or sent to a server. For the reasoning behind the formula and its edge cases, see:

Frequently asked questions

How does Minnesota work out the income tax taken from my paycheck?: The Department of Revenue's computer formula multiplies the paycheck by the number of pay periods, takes $5,300 off for each allowance on your Form W-4MN, and looks the rest up in a chart for your marital status. The single chart starts at 5.35% and steps to 6.8%, 7.85% and 9.85%, and the answer is divided back across the paychecks and rounded to the dollar. For a $60,000 salary with 2 allowances, that is $49,400, a chart tax of $2,556.61, and $98.33 a paycheck, which is $98.00 to the dollar.
How much is $60,000 a year after tax in Minnesota?: For a single employee with 2 allowances on the W-4MN, paid every two weeks, a $60,000 salary takes home $1,829.92 a paycheck, or $47,577.98 a year. The year's taxes are $5,020.08 of federal income tax, $2,548.00 of Minnesota income tax, $3,720.08 of Social Security, $869.96 of Medicare and $263.90 for Minnesota Paid Leave.
How much is $20 an hour after tax in Minnesota?: At 40 hours a week and weekly pay, $20 an hour is $800.00 gross and $654.20 take-home a week for a single employee with 2 allowances. That is $54.08 of federal income tax, $27.00 of Minnesota income tax, $49.60 of Social Security, $11.60 of Medicare and $3.52 for Paid Leave. Switch to hourly in the calculator to type your own hours, including overtime.
How many allowances do I claim on the Minnesota Form W-4MN?: Section 1 adds five steps: 1 if no one else can claim you (A), 1 if you are single with one job or married with one job and a spouse who does not work (B), 1 if you are married (C), 1 for each dependent you will claim (D) and 1 if you will file as head of household (E). A single employee with one job and no dependents counts 2. On the $60,000 example, 2 allowances withhold $98.00 of state tax a paycheck, against $112.00 with 1 and $126.00 with none. A federal Form W-4 does not set the Minnesota allowances, and with no W-4MN on file the employer withholds as a single employee with zero.
What are the three marital status boxes on the W-4MN?: Single, which includes married but legally separated or with a nonresident alien spouse; Married; and Married, but withhold at higher Single rate. The Married chart starts taxing above $14,700 instead of $4,700, so the same $60,000 salary with 2 allowances withholds $71.00 of state tax a paycheck as Married against $98.00 as Single. Head of household is not a box: it is one more allowance in step E, taken with the Single chart.
What is Minnesota Paid Leave, and does it come out of my paycheck?: It is the state's paid family and medical leave program. The 2026 premium is 0.88% of pay up to $185,000, and the law lets an employer collect up to 0.44% from employees, half. This calculator takes the 0.44%, which is $10.15 of the $60,000 example's paycheck and $263.90 a year, as a line of its own. Small employers pay a lower rate of 0.66% in total, and an employer can choose to cover more of the premium than it has to.
How does Minnesota tax a bonus?: A payment made separately from regular wages, such as a bonus, overtime or a commission, is withheld at a flat 6.25% regardless of the allowances claimed. When it comes in the same paycheck as regular wages and is listed separately, the employer can instead add the two and use the tables on the total. This calculator treats all pay as regular pay, and the bonus tax calculator works out the bonus case.
What if I live in another state but work in Minnesota?: Minnesota has reciprocity agreements with Michigan and North Dakota: a resident of either who works in Minnesota hands in Form MWR each year and Minnesota does not withhold. For a resident of any other state, an employer who withholds federal tax must also withhold Minnesota tax in most cases, except when it expects to pay the employee less than $15,300 in 2026.
What does a 401(k), an HSA or a health plan do to my Minnesota paycheck?: Minnesota follows the federal provisions for determining taxable wages, so this calculator takes a 401(k) deferral, health premiums through a cafeteria plan and HSA contributions through one out of the pay before it applies the Minnesota chart. Putting 6% of a $60,000 salary into a 401(k) ($138.46 a paycheck) cuts Minnesota withholding by $9.00 and take-home pay by only $112.84. A $100 HSA contribution a paycheck cuts Minnesota withholding by $6.00.
Who pays unemployment tax in Minnesota, and how much is it?: The employer does, to Unemployment Insurance Minnesota, and nothing comes out of your paycheck for it. Taxable wages are the first $44,000 of each employee's pay. A new employer's rate depends on its industry and is 1.00% in most; with the 0.40% base tax rate that is 1.4%, or $616.00 a year per employee, plus a 14% additional assessment on that tax, $86.24. Minnesota is not on the Labor Department's list of states with a 2026 federal credit reduction.

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