Minnesota Take-Home Pay Calculator (2026)

Minnesota has one of the higher state income tax rates in the country, with a top rate of 9.85% that applies to income above $183,340 for single filers in 2026. The state uses four brackets. Most middle-income workers in Minnesota are in the 6.8% or 7.85% bracket depending on their income. A single worker earning $75,000 faces an effective Minnesota state rate of approximately 6% to 7%.

Minnesota is notable for beginning to tax Social Security benefits for workers in upper-income tiers, though the state has been phasing in an exemption. By 2026, a significant portion of Social Security income is exempt from Minnesota taxes for workers below certain income thresholds, with the exemption phasing out at higher incomes. The phase-in has been gradual and the rules change from year to year, so workers collecting Social Security should verify the current exemption amount.

The state does conform to the federal standard deduction, which helps Minnesota workers reduce their taxable income base. For a single filer, the $14,600 federal standard deduction applies equally on the Minnesota return. After that deduction, a $75,000 earner has roughly $60,400 of Minnesota taxable income, and the tax at blended bracket rates comes to around $4,000 to $4,500.

Minnesota has no local income taxes in major cities. Minneapolis and Saint Paul do not add a city wage tax. Minnesota does have a relatively generous set of credits for low-income workers, including a working family credit that mirrors some features of the federal Earned Income Tax Credit. Workers at the lower end of the income spectrum can reduce their effective Minnesota rate meaningfully through these credits.