Introduction
This Minnesota paycheck calculator shows how much money you really take home. You put in your pay, and it takes out federal tax, Minnesota state tax, Social Security, Medicare, and any deductions you add. Then it shows your net pay per hour, week, month, and year.
It works for both salary and hourly jobs. You can pick your pay schedule, add overtime, enter your W-4 details, and set up things like 401(k), health insurance, HSA, or union dues. Quick fill buttons let you test common Minnesota jobs fast.
Minnesota state income tax runs from 5.35% to 9.85%, and the state also has a Paid Leave payroll tax. This tool uses current tax brackets and shows the math step by step, so you can see where every dollar goes. Use it to plan a budget, check a job offer, or see what a raise would really add to your paycheck.
How to use our Minnesota Paycheck Calculator
Enter your pay, your W-4 and Minnesota tax details, and any deductions. The calculator shows your take-home pay per hour, week, month, and year, plus a full breakdown of every tax and deduction taken out of your check.
Job Type: Pick "Salary" if you earn a set yearly amount. Pick "Hourly" if you are paid by the hour.
Pay Frequency: Choose how often you get paid, such as weekly, bi-weekly, semi-monthly, or monthly.
Check Date: Enter the date printed on your paycheck. This tells the tool which year's tax rates to use.
Gross Pay Method: Choose "Annual Salary" to type your yearly pay, or "Per Pay Period" to type the amount on one check. The other box fills in for you.
Annual Salary: Type your yearly pay before taxes, or drag the slider to set it.
Gross Pay Per Period: The pay on one check before taxes. Type it here if you picked the per-period method.
Hours Per Week: Enter how many hours you work each week. This turns your salary into an hourly rate.
Hourly Wage: Enter your base pay for one hour of work.
Hours Per Pay Period: Enter your regular hours for each pay period, not counting overtime.
Add Overtime: Turn this on if you worked overtime, then enter your overtime rate and overtime hours.
Quick Fill by Job Role: Click a job button to load a common Minnesota wage for that role. This switches the tool to hourly mode.
Use legacy (pre-2020) W4 format: Turn this on only if your W-4 on file was signed before 2020 and uses allowances.
Filing Status: Pick the status on your federal W-4: single, married filing jointly, head of household, or married filing separately.
Multiple Jobs or Spouse Works: Check this box if you checked Step 2 on your W-4. It raises your federal withholding.
Dependents / Child Tax Credit: Enter the dollar amount from Step 3 of your W-4. This lowers your federal tax.
Other Income: Enter yearly income not from a job, like interest or dividends. This raises your withholding.
Deductions Amount: Enter yearly itemized deductions above the standard deduction, from Step 4b of your W-4.
Additional Federal Withholding: Enter extra dollars you want taken out for federal tax on each check.
Federal Allowances: Legacy W-4 only. Enter the number of allowances you claimed.
MN Filing Status: Pick the filing status you use for Minnesota state tax on Form W-4MN.
State Allowances: Enter the number of Minnesota allowances you claim. More allowances mean less state tax taken out.
Additional State Allowances: Enter any extra Minnesota allowances your W-4MN lists.
Local Allowances: Enter local allowances if your city taxes income. Minnesota cities do not, so leave this at 0.
Additional State Withholding: Enter extra dollars you want taken out for Minnesota tax each pay period.
Local Income Tax Rate: Minnesota has no local income tax. Leave this at 0 unless your employer says otherwise.
Additional Local Withholding: Enter extra flat dollars for local tax each pay period, if any.
Are you exempt from any taxes?: Turn this on to unlock the switches below, then check each tax you do not pay, like federal, state, Social Security, or Medicare.
401(k) Contribution: Drag the slider to set the percent of your gross pay you put into your 401(k) before taxes.
Pre-Tax Deductions: Enter amounts for medical, dental, vision, HSA, FSA, and more. Choose a fixed dollar amount or a percent of gross pay. These lower your taxable pay.
Post-Tax Deductions: Enter items taken out after taxes, like Roth 401(k), union dues, or garnishments. Choose a dollar amount, a percent of gross pay, or a percent of net pay.
Add Another Post-Tax Deduction: Click this to add your own line, then name it and enter the amount.
Calculate: Click this to see your Minnesota take-home pay, the step-by-step math, a chart, what-if raise scenarios, and the state tax brackets.
Clear / Reset All: Click this to wipe your entries and start over with the default values.
Minnesota Paycheck Basics
Your paycheck has two numbers that matter. Gross pay is what you earn before anything is taken out. Net pay (take-home pay) is what actually lands in your bank account. The gap between them is taxes and deductions.
What Comes Out of a Minnesota Paycheck
- Federal income tax: based on your W-4 form, filing status, and pay amount.
- Minnesota state income tax: set by Form W-4MN. Rates run from 5.35% to 9.85%.
- Social Security: 6.2% of your wages, up to a yearly wage cap.2
- Medicare: 1.45% of all wages, plus 0.9% more on wages above $200,000.3
- Minnesota Paid Leave: a new state program that started in 2026. Workers pay a small share of their wages, and employers pay the rest.
- Deductions: health insurance, 401(k), HSA, union dues, and more.
Minnesota Income Tax Rates
Minnesota uses a progressive tax. That means the first slice of your income is taxed at the lowest rate, and only the money above each line gets taxed at a higher rate. The four rates are 5.35%, 6.80%, 7.85%, and 9.85%. Your top rate is your marginal rate. The rate you really pay across all your income is lower, and that is your effective rate.
Minnesota also gives a standard deduction, which lowers the income the state taxes. Each allowance you claim on Form W-4MN lowers it more.
No Local Income Tax
Minnesota cities do not charge their own income tax. Whether you work in Minneapolis, St. Paul, Duluth, or Rochester, there is no extra city tax on your wages. That is different from places like New York City, where local tax comes out of every check.
Pre-Tax vs. Post-Tax Deductions
Pre-tax money comes out before taxes are figured. A 401(k), HSA, or health plan premium lowers your taxable pay, so you owe less federal and less Minnesota tax. Putting $100 into a 401(k) does not cost you $100 of take-home pay. It costs less, because you skip tax on that money.
Post-tax money comes out after taxes. Roth 401(k), union dues, garnishments, and charity gifts are common ones. They lower your take-home pay dollar for dollar.
Minnesota Minimum Wage
Minnesota sets its own minimum wage and raises it most years for inflation. Minneapolis and St. Paul have their own higher city minimum wages, so check your city rules if you work there.
Pay Frequency
How often you get paid changes the size of each check, not your yearly pay. Most Minnesota workers are paid bi-weekly (26 checks a year) or semi-monthly (24 checks). Bi-weekly means two months each year have three paychecks.
Why Your Real Check May Differ
Withholding is an estimate, not your final tax bill. Bonuses, overtime, tips, mid-year raises, a second job, or a spouse's income can all shift the math. A one-time payout is taxed differently, so do not count on the full amount. If too much is held back, you get a refund. If too little, you owe in April. You can change your withholding any time by giving your employer a new W-4 and W-4MN.
Planning With Your Take-Home Pay
Once you know your real net pay, put it to work.