Minnesota paycheck calculator 2026
Minnesota withholds state income tax on a graduated schedule (5.35% to 9.85%) using Form W-4MN, which is separate from the federal W-4.
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Federal tax on a bonus paid on its own check is a flat 22% (37% above $1M of bonuses in the year). Your W-4 doesn't change it.
Per paycheck. Calculating from gross pay → other amounts
No state income tax on wages here.
More W-4, deductions and employer settings
- Standard deduction $16,100 single, $32,200 married jointly, $24,150 head of household
- Social Security 6.2% up to $184,500 · Medicare 1.45% (+0.9% over $200,000)
- FUTA 0.6% on the first $7,000 · bonus withholding 22%
- 401(k) limit $24,500 ($32,500 at 50+, $35,750 at 60–63)
Paycheck breakdown
Employer taxes (on top of gross pay)
Where the employer's money goes
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Minnesota payroll taxes and rules for 2026
Minnesota withholds state income tax on a graduated schedule (5.35% to 9.85%) using Form W-4MN, which is separate from the federal W-4. Starting January 1, 2026, Minnesota also runs a new Paid Leave program funded by a 0.88% payroll premium, split up to 50/50 between employer and employee. Employers also pay state unemployment insurance (SUI) on a $44,000 wage base.
- Income tax
- 5.35% to 9.85% across 4 brackets · Employee form: Form W-4MN
- Employees must file Form W-4MN in addition to the federal W-4; without one on file, withhold as Single with zero allowances.
- Each withholding allowance reduces annual Minnesota wages by $5,300 for 2026 before tax is computed.
- Minnesota's withholding tables have only Single and Married columns; there is no separate Head of Household bracket.
- Traditional 401(k)/403(b) deferrals and §125 cafeteria-plan deductions reduce Minnesota wages the same way they reduce federal wages.
- Employee deductions
- Minnesota Paid Leave (employee share): Up to 0.44% of wages, up to $185,000/year New for 2026. Total premium is 0.88% of wages (0.66% for qualifying small employers with 30 or fewer employees). The employer must cover at least half of the total premium and may deduct up to the other half from the employee's pay; the employee's maximum share is always 0.44%, even under the reduced small-employer rate, where it's the employer's floor that drops instead.
- Employer taxes
- State Unemployment Insurance (SUI): 1.00%–4.06% (non-construction) or 1.48%–8.90% (construction) new-employer rate, plus a 0.40% base tax rate added to every employer for 2026, on a $44,000 wage base Experience rates for established employers range from roughly 0% to 8.9% plus the same 0.40% base rate.
- Workforce Enhancement Fee: 0.10% of taxable wages A separate line on the UI tax bill, additive to the SUI rate above, funding the Minnesota Workforce Development Fund.
- Minnesota Paid Leave (employer share): At least 0.44% of wages (0.22% for qualifying small employers), up to $185,000/year The employer must always cover at least half of the total Paid Leave premium; it may voluntarily cover more.
- Local taxes
- Minnesota has no local income or payroll taxes on wages.
- Bonuses
- Bonuses and other supplemental wages paid separately from regular wages are withheld at a mandatory flat 6.25%, regardless of the employee's allowances. This is not optional the way most states' flat supplemental rates are.
- Minimum wage 2026
- $11.41/hour Single statewide rate for all employers as of January 1, 2026 (no separate small-employer tier). A $9.31/hour training wage applies to workers under 20 for their first 90 days.
- Pay frequency
- At least once every 31 days.
- Final paycheck
- Discharged employees: wages are due immediately upon the employee's written demand, and the employer is in default if not paid within 24 hours of that demand. Employees who quit: due by the next regularly scheduled payday.
- New-hire reporting
- Within 20 days of the hire date.
- Reciprocity
- None currently in effect. Minnesota's historical reciprocity agreements with North Dakota and Michigan have both ended.
Checked against official sources on October 5, 2026:
- Minnesota DOR, 2026 Income Tax Withholding Instruction Booklet and Tax Tables
- Minnesota DOR, Form W-4MN
- Minnesota DEED, Paid Leave: Premium rate and contributions
- Minnesota UI Employer Account, 2026 tax rates
- Minnesota DLI, Minimum wage
- Minnesota Statute 181.13, Discharged employee, wages
- Minnesota Statute 268B.01, subd. 43, Taxable wages (Paid Leave wage base)
Take-home pay in Minnesota by salary
| Salary | Federal tax | FICA | Minnesota taxes | Take-home / year | Per paycheck | Employer cost |
|---|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,497 | $32,823 | $1,262 | $43,878 |
| $60,000 | $5,020 | $4,590 | $2,821 | $47,569 | $1,830 | $65,556 |
| $80,000 | $8,770 | $6,120 | $4,269 | $60,841 | $2,340 | $87,174 |
| $100,000 | $13,170 | $7,650 | $5,717 | $73,463 | $2,826 | $108,792 |
| $150,000 | $24,734 | $11,475 | $9,602 | $104,189 | $4,007 | $162,837 |
Single filer, paid every two weeks, 2026 W-4 with no adjustments, default Minnesota withholding settings, no 401(k) or benefits, new-employer unemployment rate. Minnesota taxes include state income tax and employee-paid state programs; local taxes are not included unless the default setting includes them.
How the federal part works, step by step: the 2026 paycheck guide · Michigan · Mississippi
Minnesota paycheck questions
Do we need a separate state W-4 for Minnesota employees?
Yes. Minnesota uses its own Form W-4MN alongside the federal Form W-4. If an employee doesn't file one, withhold Minnesota tax as Single with zero allowances.
Is Minnesota Paid Leave the same as Minnesota's unemployment insurance (SUI)?
No. Paid Leave is a separate program run by DEED with its own 0.88% premium (split between employer and employee), on top of the standard SUI tax employers already pay on the $44,000 wage base.
Can we pass the full Paid Leave premium on to employees?
No. The employer must cover at least half (0.44 percentage points) of the total 0.88% premium. You may deduct up to the other half from employee wages, or cover more of it yourself.
Does a qualifying small employer get a lower Paid Leave premium?
Yes, employers with 30 or fewer employees (and average wages under 150% of the state average) pay a reduced 0.66% total premium instead of 0.88%. The employee's maximum deductible share stays 0.44% either way, so the small-employer discount reduces the employer's share, not the employee's.
How much is $60,000 a year after taxes in Minnesota?
About $47,569 a year, or $1,830 every two weeks, for a single filer with no other W-4 adjustments in 2026. Federal income tax is $5,020, Social Security and Medicare $4,590, and Minnesota taxes and payroll deductions $2,821.
What does a $60,000 employee cost an employer in Minnesota?
$65,556 a year before benefits: the salary plus the 7.65% FICA match, federal unemployment (FUTA) and Minnesota unemployment insurance at the new-employer rate of 1.4% on the first $44,000, plus employer-paid state programs.
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