Minnesota stacks 4 marginal bands topping out at 9.85%, and a $75,000 single filer stops in the 6.8% band — $3,343 of state tax against $54,295 of take-home pay. Enter your own figures to walk them through the same schedule.
Federal tax, FICA, Minnesota state tax & 401(k) — prefilled for Minnesota
📈 Live: US inflation is currently 3.4% (CPI, August 2026) — rising prices erode the buying power of your take-home pay, so weigh it when comparing salaries or job offers across states.
Minnesota takes $3,343 out of a $75,000 salary, leaving $54,295 against $57,639 in no-wage-tax Texas. The doughnut shows how the rest of that gross divides.
Minnesota $54,295 vs Texas $57,639
Minnesota: take-home, federal, state & FICA
Calculation parameters: Single filer, standard state deduction (approx. $14,600), zero additional withholdings, $75,000 annual salary, 24 pay periods. Models use 2026 bracket estimates and the new 2026 PFML rates sourced from the Minnesota Department of Revenue and DEED.
The Minnesota Department of Revenue operates a highly progressive income tax system utilizing four distinct brackets. The state's marginal rates are among the steepest in the Midwest, initiating at 5.35% on the first tier of taxable income, climbing through 6.80% and 7.85%, and peaking at a top marginal rate of 9.85% for the highest earners.
Because Minnesota utilizes a state standard deduction designed to mirror federal thresholds (approximately $14,600 for single filers in 2026), a single earner grossing $75,000 possesses a taxable base of roughly $60,400. This pushes the majority of their income through the 5.35% bracket and into the 6.80% tier, generating a substantial annual tax liability. Employees must file the Minnesota Form W-4MN to establish accurate withholding.
Starting exactly on January 1, 2026, Minnesota officially mandates a new payroll deduction to fund its Paid Family and Medical Leave (PFML) program. Administered by the Department of Employment and Economic Development (DEED), the total baseline premium is 0.88% of an employee's wages.
By statute, employers must pay at least 50% of this premium, meaning they are permitted to deduct a maximum of 0.44% directly from the employee's gross pay. On a $75,000 salary, this creates a newly unavoidable $330 annual payroll deduction ($13.75 per semi-monthly check). Qualifying small employers (under 30 employees) may be subject to a reduced total premium of 0.66%, lowering the employee's maximum exposure to 0.33%.
Minnesota strictly forbids its municipalities and counties from levying localized city or county income taxes on individual W-2 wages. An employee working in Minneapolis takes home the exact same net pay as an employee working in Duluth on an identical salary. For supplemental wages such as performance bonuses or severance payouts, the Minnesota Department of Revenue instructs employers to withhold state income tax at a flat statutory rate of 6.25%, operating independently of the standard progressive tables.
4 marginal single-filer bands for 2025, running from 5.35% to 9.85% and applied to income after the $14,575 standard deduction. A $75,000 earner reaches band 2 of 4; only income above $193,240 ever meets the top rate.
| Taxable income (single) | Marginal rate |
|---|---|
| $0 to $31,690 | 5.35% |
| $31,690 to $104,090 | 6.8% |
| $104,090 to $193,240 | 7.85% |
| $193,240 and up | 9.85% |
Annual take-home at six salary points for a single filer deferring 6% into a 401(k). Watch the MN column accelerate from $1,232 to $12,061 as income climbs through Minnesota's 4 bands.
| Gross salary | Federal tax | MN state tax | FICA | Take-home /yr | Take-home /mo |
|---|---|---|---|---|---|
| $40,000 | $2,474 | $1,232 | $3,060 | $30,835 | $2,570 |
| $60,000 | $4,730 | $2,385 | $4,590 | $44,696 | $3,725 |
| $80,000 | $8,158 | $3,663 | $6,120 | $57,259 | $4,772 |
| $100,000 | $12,294 | $4,941 | $7,650 | $69,115 | $5,760 |
| $150,000 | $23,087 | $8,372 | $11,475 | $98,066 | $8,172 |
| $200,000 | $34,367 | $12,061 | $14,339 | $127,233 | $10,603 |
| Metric | Minnesota | No-tax state (TX) |
|---|---|---|
| State income tax (per year) | $3,343 | $0 |
| Federal income tax | $7,124 | $7,124 |
| Social Security + Medicare | $5,738 | $5,738 |
| Annual take-home pay | $54,295 | $57,639 |
| Effective total tax rate | 21.6% | 17.1% |
That $3,343 a year — about $279 a month — is what Minnesota's income tax costs against a state that charges none. On this salary it ranks 8th of 51 by state income tax paid, just behind Illinois at 4.47%.
Take-home pay is gross salary minus five separate withholdings, each with its own rule and its own base. Two are federal and fixed nationwide, two are FICA payroll taxes with their own ceilings, and one is set by Minnesota. Minnesota uses a progressive schedule of 4 brackets topping out at 9.85%. On $93,000 the state collects $4,494 — an effective 4.83% of gross, not the headline 9.85%, because only the slice of income sitting inside each bracket is taxed at that bracket's rate. The gap between headline and effective rate is unusually wide here: Minnesota's top rate is one of the highest in the country but it does not engage until income reaches roughly $193,240, far above this example. A $93,000 earner clears only 2 of the 4 brackets and faces a 6.8% marginal rate on the next dollar. This is why comparing states by top rate alone badly misleads at middle incomes. Note also that the 401(k) contribution comes out before federal income tax is computed but not before Social Security and Medicare — a detail that trips up most hand calculations.
Take-home = Gross − 401(k) − Federal income tax − Social Security − Medicare − State taxFederal = brackets applied to (gross − 401(k) − $15,000 standard deduction)State income tax = sum over brackets of (income in bracket × bracket rate), up to 9.85%where:
Assumptions: Single filer, standard deduction, 6% traditional 401(k), no other pre-tax benefits, credits or local income tax. Health premiums, HSA contributions and city taxes (where they exist) would each change the result. 2026 federal figures.
ReferenceIRS Publication 505
Rather than a round number, this example uses the salary Minnesota's own housing costs imply: a median-priced $335,000 home carries a $2,161 monthly payment, and the 28% front-end ratio lenders underwrite to puts that within reach at about $93,000 a year. Here is where that salary actually goes for a single filer contributing 6% to a traditional 401(k).
Result$64,965 a year — $5,414 a month, $2,499 per biweekly cheque
Total tax burden is $22,455, an effective 24.1% of gross — of which Minnesota takes 4.83%. The $5,580 401(k) deferral is not a tax; it is still your money.
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