Your Pay Details
Your Take-Home Pay
| Gross Pay | $0 |
| Federal Income Tax | –$0 |
| Social Security (6.2%) | –$0 |
| Medicare (1.45%) | –$0 |
| Minnesota State Tax | –$0 |
| Take-Home Pay | $0 |
How Your Minnesota Paycheck Works
Minnesota has a graduated income tax with 4 brackets ranging from 5.35% to 9.85% — one of the higher state tax burdens in the US. Minnesota provides a standard deduction of $14,575 for single filers and $29,150 for married couples.
Federal Income Tax
Calculated using 2025 federal brackets from 10% to 37%, applied to taxable income after the standard deduction.
Social Security
6.2% of gross pay up to $176,100. Funds the Social Security retirement and disability program.
Medicare
1.45% of all gross pay. High earners over $200K pay an additional 0.9% surtax.
Minnesota State Tax
Minnesota uses 4 brackets from 5.35% to 9.85%. Even the lowest bracket starts at 5.35%, making Minnesota one of the higher-tax states for workers at all income levels.
2025 Minnesota State Tax Brackets
Here are the Minnesota income tax brackets for single filers in 2025, applied after the state standard deduction or personal exemption.
| Rate | Single — Taxable Income |
|---|---|
| 5.35% | $0 – $31,690 |
| 6.80% | $31,690 – $104,090 |
| 7.85% | $104,090 – $193,240 |
| 9.85% | $193,240 – No limit |
Major Cities in Minnesota
Whether you live in Minneapolis, St. Paul, or anywhere else in Minnesota, state tax rates apply uniformly — your city does not change your paycheck calculation. Local taxes and cost of living vary by city, as shown below.
* Population from U.S. Census estimates. Home prices and rent are 2023–2024 estimates. Local income tax applies to residents unless noted.
Frequently Asked Questions
What is Minnesota's state income tax rate?
Minnesota has 4 graduated brackets: 5.35%, 6.80%, 7.85%, and 9.85%. Because even the bottom bracket is 5.35%, Minnesotans at all income levels pay a meaningful amount in state income tax.
How much of my paycheck goes to taxes in Minnesota?
A single filer earning $55,000/year in Minnesota pays roughly 5–6% in effective state income tax (after standard deduction) plus federal taxes and FICA. Total deductions typically run 28–32% of gross pay.
What is FICA and how much is it?
FICA covers Social Security (6.2% up to $176,100) and Medicare (1.45% with no cap). Together that is 7.65% of gross pay, paid by every US worker regardless of state.
How do pre-tax deductions like a 401(k) reduce my taxes?
Pre-tax deductions reduce both your federal and state taxable income. A $5,000 annual 401(k) contribution can save $600–$1,100 in federal taxes plus additional state tax savings depending on your bracket.
How accurate is this calculator?
This calculator uses 2025 federal and state tax brackets. Results are estimates — your actual paycheck may vary based on W-4 elections, employer deductions, and local taxes not included here.