What is Minnesota's income tax rate in 2025?

Minnesota uses four graduated brackets in 2025: 5.35%, 6.80%, 7.85%, and a top rate of 9.85%. The bracket thresholds depend on filing status. Single filers hit the 6.80% rate above about $32,570 of taxable income and the top 9.85% rate above roughly $198,630. Minnesota's top rate is one of the highest in the country.

Does Minnesota have a local income tax?

No. Minnesota does not allow cities or counties to levy a separate local income tax, so unlike Ohio or Michigan there is no city tax line on a Minnesota paycheck. Your state income tax is the only state-level wage tax, calculated on the graduated brackets after the Minnesota standard deduction.

How is Minnesota state tax withheld from my paycheck?

Employers withhold Minnesota income tax based on your Form W-4MN and the state's withholding tables, which approximate your graduated bracket liability across the year. This calculator estimates your annual Minnesota tax using the brackets and standard deduction, then divides it across your pay periods, which closely tracks real withholding.

Does Minnesota have a state disability or paid leave payroll tax?

Minnesota enacted a Paid Family and Medical Leave program with payroll contributions beginning in 2026. For 2025 there is no statewide PFML payroll deduction yet. This calculator models federal tax, Minnesota income tax, and FICA only; once PFML contributions begin you would subtract that additional small percentage.

How accurate is this Minnesota take-home estimate?

It applies 2025 federal brackets and the standard deduction, Minnesota's graduated brackets with the Minnesota standard deduction, and FICA at 6.2% Social Security plus 1.45% Medicare. It does not model health premiums, HSA contributions, the Minnesota Working Family Credit, or other adjustments, so your real net pay may differ somewhat.

Minnesota Paycheck Calculator 2025 — Take-Home Pay After Taxes

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This calculator estimates your Minnesota take-home pay after federal income tax, Minnesota’s graduated state income tax, and FICA. Minnesota taxes income on four brackets from 5.35% up to a top rate of 9.85% — one of the highest top rates in the US — and has no local income tax, so the state line is the only state-level wage tax on your paycheck.

How it works

The tool converts your pay to an annual figure, removes pre-tax 401(k), and applies each tax:

Federal income tax — 2025 brackets after the federal standard deduction
Minnesota state tax — graduated 5.35% / 6.80% / 7.85% / 9.85% brackets after the Minnesota standard deduction
FICA — 6.2% Social Security (to the wage base) plus 1.45% Medicare on gross wages

Net pay = Gross − 401(k) − Federal − Minnesota − FICA

Each result is shown both per pay period and annually.

Minnesota tax notes

Minnesota’s brackets are inflation-adjusted each year. For 2025 (single), the 5.35% rate applies up to about $32,570, then 6.80% up to about $106,990, 7.85% up to about $198,630, and 9.85% above that. Married-filing-jointly thresholds are wider. There is no city or county income tax anywhere in Minnesota.

Note that Minnesota’s Paid Family and Medical Leave payroll contributions begin in 2026; this 2025 model does not include them.

Worked example

A single filer earning $70,000 with no 401(k):

Federal taxable = $70,000 − $15,000 = $55,000 → federal tax ≈ $7,300
Minnesota taxable = $70,000 − ~$14,950 = ~$55,050 → state tax ≈ $3,330
FICA = 7.65% × $70,000 = $5,355
Take-home ≈ $54,000/year, about $2,080 bi-weekly

Note: This is an estimate using 2025 figures and excludes health premiums, HSA, and Minnesota credits. Verify rates with the Minnesota Department of Revenue at revenue.state.mn.us.