Your work. Your state. Your take-home.
Minnesota paycheck calculator 2026
See what lands in your bank account. Estimate Minnesota take-home pay after federal and state taxes and your benefits.
Your pay details
2026 tax yearEstimated take-home pay
Average per paycheck - every 2 weeks
Current 2026 rules projected over a full year.
This is a full-year average. Actual checks can change when Social Security or state wage caps are reached, or Additional Medicare withholding begins.
IRS, SSA and state agency rules, linked below.
Employee taxes and benefits shown separately.
Steady wages projected over a full year.
How Minnesota taxes your paycheck
Minnesota payroll withholding uses the 2026 computer formula and the allowances on Form W-4MN. Each allowance removes $5,300 from annualized income-tax wages before the official single or married table is applied.
Head-of-household employees use the single withholding table. W-4MN allows an additional allowance for a qualifying head of household; enter the actual total from your certificate.
Minnesota Paid Leave starts in 2026. Employers may collect up to 0.44% of employee wages, capped at $185,000 of annual wages. This state cap rounds the Social Security base to the nearest $1,000, so it differs from the federal $184,500 base.
Schedule effective 2026-01-01. Annual totals project this schedule over a full year; they do not reconstruct earlier 2026 checks.
| Item | 2026 rule |
|---|---|
| Income-tax withholding | 5.35%, 6.80%, 7.85%, 9.85% |
| W-4MN allowance | $5,300 annually |
| Paid Leave employee maximum | 0.44% of first $185,000; max $814 |
These are employee payroll withholding rules. Your final income tax return may use different deductions, credits or rates.
Minnesota take-home pay examples
Compare three salaries with the same calculator. These examples update with your filing status, pay frequency and benefits settings.
| Annual salary | Annual take-home | Average paycheck |
|---|---|---|
| $40,000.00 | $32,226.59 | $1,239.48 |
| $75,000.00 | $56,965.09 | $2,190.96 |
| $120,000.00 | $85,302.95 | $3,280.88 |
Single, biweekly pay, no 401(k), health premium or extra federal withholding, and the state defaults shown above.
Common paycheck questions
What is the Minnesota Paid Leave deduction in 2026?
The maximum employee share is 0.44% of covered wages up to $185,000, or $814 for a full year. An employer can cover some or all of it.
Why does head of household use the single table?
Minnesota W-4MN has single and married withholding tables. A qualifying head of household can claim an extra allowance on the form.
How accurate is this Minnesota paycheck calculator?
It estimates regular wages using official 2026 withholding rules and the assumptions shown. Bonuses, multiple jobs, credits, employer plans and year-to-date pay can change actual checks. Compare the result with your pay stub and withholding certificates.
Are my salary details stored?
No. The calculation runs in your browser. Your entries are not sent to a calculation server, saved to local storage or used for advertising.
Official sources & last update
Rules reviewed on October 23, 2026. The linked agencies publish the authoritative rules. This website independently implements them; it is not an agency service.
- Minnesota 2026 withholding instructions, page 34 computer formula
Retrieved 2026-10-23 - Minnesota DEED 2026 Paid Leave employee premium and wage cap
Retrieved 2026-10-23 - Minnesota statute 268B.01: taxable wages and Paid Leave wage definition
Retrieved 2026-10-23 - Minnesota statute 268.035, subdivision 29: salary reduction and cafeteria wages
Retrieved 2026-10-23 - 2026 W-4MN: single/married tables and head-of-household allowance
Retrieved 2026-10-23 - IRS Publication 15-T (2026), Worksheet 1A and annual standard withholding schedules
Retrieved 2026-10-23 - IRS Revenue Procedure 2025-32, sections 3.01 and 3.14 (2026 brackets and standard deduction)
Retrieved 2026-10-23 - SSA Contribution and Benefit Base, 2026 row
Retrieved 2026-10-23 - IRS Publication 15 (2026), sections 9 and 15 (FICA, Additional Medicare and traditional 401(k))
Retrieved 2026-10-23 - IRS qualified cafeteria-plan benefit tax treatment
Retrieved 2026-10-23 - IRS 2026 401(k) contribution limits
Retrieved 2026-10-23
Found a discrepancy? Compare the displayed assumption with the linked schedule and your pay stub. Until it is resolved, use your employer’s payroll calculation or consult a qualified tax professional.