Understanding Take-Home Pay in Minnesota
When you earn a salary in Minnesota, the amount that actually reaches your bank account is lower than your gross pay because of mandatory deductions. Every worker pays federal income tax on a progressive scale and FICA payroll taxes — 6.2% for Social Security (up to the annual wage base) and 1.45% for Medicare. On top of that, Minnesota collects state income tax, which this tool estimates at roughly 6.80% of taxable wages.
Lower Your Minnesota Tax Bill
Contributing to a traditional 401(k) reduces your taxable income for both federal and Minnesota state tax, so increasing the 401(k) slider above shows how retirement saving boosts your long-term wealth while trimming today's tax. Health Savings Accounts (HSAs) and flexible spending accounts work the same way.
Sources: IRS.gov, SSA.gov, Minnesota Department of Revenue. Last updated July 29, 2026. Estimates only — not tax advice.
Frequently Asked Questions
Does Minnesota have a state income tax in 2026?
Yes. Minnesota taxes wage income, and this calculator applies an estimated effective rate of about 6.80% for planning purposes.
How much is take-home pay on a $60,000 salary in Minnesota?
Enter $60,000 above to see the exact figure. Take-home depends on your filing status and 401(k) contribution, and reflects federal tax, FICA and Minnesota state tax.
What deductions come out of my Minnesota paycheck?
Federal income tax, Social Security (6.2% up to the wage base), Medicare (1.45%), Minnesota state income tax, plus any pre-tax 401(k) or health contributions.
Is this Minnesota paycheck calculator accurate?
It gives a close estimate using 2026 projected figures. State tax is applied as an effective rate, so your actual withholding may differ. It is not tax advice.