2026 Minnesota Tax Calculator: 9.85% Top Rate & Paycheck
Calculate your net take-home pay in the North Star State. Modeled with Minnesota Department of Revenue progressive brackets (5.35% to 9.85%), $15,100 / $30,200 standard deductions, and 2026 federal withholdings.
Interactive Minnesota Paycheck Calculator
How Minnesota State Income Taxes Work in 2026
Minnesota utilizes a four-tier progressive income tax system, featuring some of the highest top marginal rates in the Midwest paired with generous family tax credits:
1. 2026 Progressive Tax Brackets
Minnesota tax rates increase across four income tiers:
- 5.35% Tier: $0 to $31,690 (Single) / $0 to $46,330 (Married Joint)
- 6.80% Tier: $31,690 to $104,090 (Single) / $46,330 to $184,080 (Married Joint)
- 7.85% Tier: $104,090 to $193,240 (Single) / $184,080 to $321,450 (Married Joint)
- 9.85% Tier: Over $193,240 (Single) / Over $321,450 (Married Joint)
2. Minnesota Standard Deduction
Minnesota conforms to federal standard deduction levels, adjusted for state inflation indexes. For 2026, standard deductions are:
- Single Filers: $15,100
- Married Filing Jointly: $30,200
- Head of Household: $22,650
3. Minnesota Child & Working Family Tax Credits
Minnesota enacted one of the most generous state child tax credits in the nation, offering up to $1,750 per child under age 17 (phasing out at higher income thresholds). Eligible lower- and middle-income families can see their Minnesota net state tax completely offset by this refundable credit.
Frequently Asked Questions: Minnesota Tax Calculator
Does Minnesota tax Social Security benefits?
Under Minnesota's Social Security subtraction rules, single taxpayers with adjusted gross income under $78,000 (and married couples under $100,000) pay 0% Minnesota state tax on their Social Security benefits. Subtractions phase out gradually for incomes above these thresholds.
Does Minnesota have tax reciprocity with neighboring states?
Minnesota maintains an individual income tax reciprocity agreement with Michigan and North Dakota. If you are a resident of Michigan or North Dakota working in Minnesota, your compensation is taxed only by your home state.
How does Minnesota tax capital gains?
Minnesota taxes net capital gains as ordinary income at statutory state rates (up to 9.85%). Additionally, high earners with net investment income over $1,000,000 are subject to a 1% Minnesota surtax.