Minnesota Paycheck Calculator 2026
Enter your pay and your W-4MN details to see what lands in your bank account. Minnesota withholds income tax at rates from 5.35% to 9.85%, and from 2026 a Paid Leave premium comes out too — we show both.
| Per paycheck | Amount | Per year |
|---|---|---|
| Gross pay | $2,115.38 | $55,000.00 |
| Federal income tax · withheld | −$170.00 | −$4,420.00 |
| Social Security (6.2%) | −$131.15 | −$3,410.00 |
| Medicare (1.45%) | −$30.67 | −$797.50 |
| Minnesota income tax · withheld | −$112.98 | −$2,937.48 |
| MN Paid Leave · most your employer can deduct | −$9.31 | −$242.00 |
| Take-home pay | $1,661.27 | $43,193.02 |
How the federal income tax was worked out
| Pay subject to income tax, for the year · $2,115.38 × 26 paychecks | $55,000.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $46,400.00 |
| Tax from the IRS yearly table · standard table | $4,420.00 |
| Federal income tax per paycheck · divided by 26 | $170.00 |
IRS Publication 15-T (2026), Worksheet 1A — the percentage method payroll software uses for a Form W-4 from 2020 or later. Your employer's figure can differ by a few cents because of rounding.
How the Minnesota income tax was worked out
| Minnesota taxable pay this paycheck | $2,115.38 |
| Annual wage · 2115.38 × 26 | $55,000.00 |
| Yearly pay for the chart | $55,000.00 |
| Yearly tax from the chart · single chart | $2,937.41 |
| Minnesota income tax this paycheck · ÷ 26, to the cent (employers may round to the nearest dollar) | $112.98 |
What comes out of a Minnesota paycheck
- Federal income tax withholding — worked out from your pay and your Form W-4, using the IRS tables for 2026.
- Social Security — 6.2% of your pay, up to $184,500 of pay in 2026. Above that, it stops for the rest of the year.
- Medicare — 1.45% of all your pay, plus 0.9% on pay above $200,000 in the year.
A Minnesota paycheck usually has two state lines:
- Minnesota income tax, worked out with the Department of Revenue's 2026 withholding formula. Rates on each slice of yearly pay run from 5.35% to 9.85%.
- Minnesota Paid Leave — new on January 1, 2026. The premium is 0.88% of wages, and your employer can take up to 0.44% of your wages ($4.40 per $1,000) for your share. It stops once your pay for the year passes $185,000, so the most you pay in 2026 is $814.
Here is how the income tax is worked out. Your employer multiplies your taxable pay for one paycheck by the number of paychecks in a year. It subtracts $5,300 for each allowance on your W-4MN. It finds the yearly tax on what is left from the single or married chart, then divides by the number of paychecks. Open "How the Minnesota income tax was worked out" under the result to see each step.
What's different about Minnesota
The W-4MN is its own form
The federal W-4 no longer uses allowances, so Minnesota has its own form, the W-4MN. You choose Single, Married, or "Married, but withhold at higher Single rate", and you claim allowances. There is no head of household chart; instead, head of household adds one allowance on the form. If you never gave your employer a W-4MN, it must withhold at the single rate with zero allowances. That is also what the allowances box above uses when you leave it at 0.
Paid Leave: your share can be smaller
Your employer must pay at least half of the Paid Leave premium. We show the largest share it may take from your pay, 0.44%. Some employers choose to pay more, or all of it, so your stub may show less or nothing. Small employers pay a lower premium of 0.66%, but the most they can take from you is still 0.44%. Your 401(k) money and pre-tax benefits count as wages for Paid Leave.
Bonuses and commissions
When a bonus or commission is paid apart from your regular wages, your employer can withhold a flat 6.25% for Minnesota, whatever allowances you claim.
Living in a neighboring state
Minnesota has reciprocity agreements with Michigan and North Dakota. If you live in one of those states, work in Minnesota and give your employer Form MWR each year, your employer doesn't have to withhold Minnesota tax.
Paydays and your last paycheck
Minnesota employers must pay wages at least once every 31 days, and commissions at least every three months. If you are fired, your final pay is due within 24 hours of when you ask for it. If you quit, it is due on the next payday that is more than five days after you leave, and no later than 20 days after.
Wage claims
If you weren't paid what you're owed, you can call or email the Labor Standards unit at the Minnesota Department of Labor and Industry to start a wage claim over the phone.
Why your paycheck might differ from this
- Your W-4. Credits for children (Step 3), a checked Step 2 box, or extra withholding (Step 4c) change the federal amount a lot. Open "Tips, 401(k), health insurance and W-4 details" above to enter them.
- Benefits taken before tax. Health insurance through work usually lowers income tax and Social Security and Medicare. A traditional 401(k) lowers income tax only.
- Rounding. Payroll software may round each step, so a few cents of difference is normal.
Tips and overtime in 2026
New federal deductions apply for 2025 through 2028: up to $25,000 for qualified tips, and up to $12,500 ($25,000 for joint filers) for the extra "half" of time-and-a-half overtime. Both phase out above $150,000 of income ($300,000 joint).
These are deductions on your tax return. Your employer still takes Social Security and Medicare out of tips and overtime, and still withholds income tax unless you tell it otherwise. If you expect to claim them, you can put the expected amount in Step 4(b) of your W-4 (and in the Step 4(b) box above) so less income tax is withheld during the year.
Other Minnesota calculators
Paycheck calculator · Hourly paycheck calculator · Salary paycheck calculator · What changed for 2026
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Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide — Social Security and Medicare rates
- Social Security Administration — 2026 wage base of $184,500
- IRS — tips and overtime deductions
- Minnesota Department of Revenue — 2026 Minnesota Withholding Tax Instructions and Tables (Computer Formula, page 34) — allowance $5,300; single and married charts 5.35% to 9.85%; divide by payroll periods, may round to the nearest dollar; no W-4MN → single, zero allowances; supplemental 6.25%
- Minnesota Department of Revenue — 2026 Form W-4MN, Minnesota Employee Withholding Certificate — Single / Married / Married but withhold at higher Single rate; allowances; head of household adds one allowance
- Minnesota Department of Revenue — Definition of Wages (Withholding Fact Sheet 9) — Minnesota follows the federal provisions for determining taxable wages
- Minnesota DEED — Paid Leave small employer premium rate designation — 0.88% of wages up to the Social Security limit rounded to the nearest thousand ($185,000); small employers 0.66%; employers can deduct up to 0.44% from employees
- Minnesota Statutes 268B.14 — Paid Leave premiums — employers pay at least 50% of the premium (at least 25% of the standard rate for small employers); wage cap tied to the Social Security limit
- Minnesota Statutes 268B.01 — Paid Leave definitions — taxable wages: up to the Social Security limit rounded to the nearest $1,000; wages as in 268.035 subd. 29
- Minnesota Statutes 268.035, subd. 29 — Wages — 401(k) and cafeteria-plan salary reductions are wages
- Minnesota Department of Labor and Industry — Minimum wage in Minnesota — $11.41 from Jan. 1, 2026; 90-day training wage (under 20) $9.31; $11.87 and $9.68 from Jan. 1, 2027; no tip credit
- Minnesota Department of Labor and Industry — Overtime laws — overtime after 48 hours in a workweek at 1.5 times the regular rate; federal law uses 40
- Minnesota Statutes 181.101 — Wages; how often paid — at least once every 31 days; commissions at least every three months
- Minnesota Department of Labor and Industry — Employment termination — fired: within 24 hours of demand; quit: next payday more than five days after quitting, within 20 days
- Minnesota Department of Labor and Industry — Wage claim — Labor Standards 651-284-5075
- City of Minneapolis — Minimum wage increases to $16.37 for all employers
- City of Saint Paul — Minimum wage — $16.37; micro businesses $14.25
Questions
What is Paid Leave on my Minnesota pay stub?
It's your share of the Minnesota Paid Leave premium, which pays for family and medical leave from 2026. Your employer can take up to 0.44% of your wages, on pay up to $185,000 a year.
How much is taken out of a $1,000 paycheck in Minnesota?
For a single filer paid every two weeks with nothing else on the W-4, a $1,000 paycheck has about $38.08 of federal income tax, $62.00 of Social Security and $14.50 of Medicare taken out, $43.83 of Minnesota income tax, leaving $837.19. Enter your own details in the calculator for your exact figure.
What is $20 an hour after taxes in Minnesota?
Working 40 hours a week and paid every two weeks, $20 an hour is $1,600.00 before tax and about $1,284.48 after tax per paycheck — $33,396.38 a year — for a single filer with a standard W-4.
What if I never filled in a W-4MN?
Your employer must withhold Minnesota tax at the single rate with zero allowances, which usually takes more than if you had claimed allowances.
What is the minimum wage in Minnesota in 2026?
$11.41 an hour statewide, with no tip credit. Minneapolis and St. Paul are higher: Minneapolis $16.37 for all employers; St. Paul $16.37, or $14.25 at businesses with five or fewer employees.
When do I get my last paycheck in Minnesota?
If you are fired, within 24 hours of asking for it. If you quit, on the next payday more than five days after you leave, and within 20 days at most.