Minnesota Income Tax Calculator 2026
See your Minnesota state tax, effective rate, and take-home pay in 60 seconds.
- This state uses a simplified estimate: a single rate schedule applied to gross income less the standard deduction and personal exemption. Local income taxes, mandatory state payroll contributions, retirement income exclusions, credits, and state-specific adjustments are not modeled.
Estimated federal and state take-home pay based on the information entered. Local taxes, state payroll programs, employer benefits, itemized deductions, tax credits, and special state adjustments may not be included. Tax year 2026. Minnesota figures last verified June 12, 2026 — see sources below.
Worked example: A single filer earning $85,000 in Minnesota
Start with $85,000 of wages. After $15,300 in modeled state deductions/exemptions, running it up Minnesota's brackets produces about $4,304 in state income tax — an effective state rate near 5.1%, with a 6.8% marginal rate. Federal income tax and FICA are calculated separately and shown in the calculator above.
Assumes a single filer taking the standard treatment. Figures are educational estimates.
How Minnesota taxes income
Minnesota uses a graduated income tax: your income is taxed in slices, with each slice taxed at a higher rate as you move up the brackets from 5.35% to 9.85%.
Minnesota generally starts from your federal income, applies state-specific adjustments and deductions, and then runs the result up the brackets. Credits and exemptions can change the final number — confirm the current details with the Minnesota Department of Revenue.
2026 rate structure
| Rate | Single — taxable income up to | MFJ — taxable income up to |
|---|---|---|
| 5.35% | $30,070 | $43,950 |
| 6.80% | $98,760 | $174,610 |
| 7.85% | $183,340 | $304,970 |
| 9.85% | and above | and above |
Retirement income & Social Security
Minnesota retirement income treatment varies by plan type, your age, and whether the distribution is qualifying. Many states exempt some or all 401(k), IRA and pension income for retirees, and this calculator does not model those exclusions. Check the Minnesota Department of Revenue for the rules that apply to you before assuming distributions are taxable.
Local taxes & reciprocity
Minnesota has no local or city income tax — only the state income tax applies to wages.
Reciprocity: Minnesota has reciprocity agreements with Michigan, North Dakota. If you live in Minnesota and work in one of those states, you pay Minnesota tax on those wages and file only in Minnesota.
Notable deductions, credits & other taxes
Deductions & credits
- Minnesota standard deduction (about $15,300 single / $30,600 MFJ in this model — verify current amounts)
- Credit for income taxes paid to other states (for residents with out-of-state income)
- State versions of common credits — earned income, child/dependent care, and education credits — where offered
Capital gains: Minnesota has no separate capital gains rate. Capital gains included in your federal AGI are taxed as ordinary income at Minnesota's graduated rates.
Property tax: Property taxes in Minnesota are assessed and collected locally, so effective rates vary widely by county and municipality. Check your county assessor or the Minnesota Department of Revenue for local rates.
Minnesota vs. neighboring states
Compared with its neighbors — Iowa, North Dakota, South Dakota, Wisconsin — Minnesota's graduated rates up to 9.85% sit within the regional range. Effective rates depend heavily on income level, deductions, and local taxes. Note that South Dakota has no income tax at all, which can matter for people living or working near the border.
Minnesota state tax FAQs
What is the Minnesota state income tax rate for 2026?
Minnesota uses graduated brackets ranging from 5.35% to 9.85%, with higher rates applying only to income above each threshold.
Does Minnesota tax retirement income or Social Security?
Minnesota taxes a portion of Social Security benefits, subject to income thresholds and exemptions. Confirm how much of your benefit is taxable with the Minnesota Department of Revenue. Treatment of other retirement income depends on the plan type, your age, and whether the distribution is qualifying — Minnesota may exempt some or all of it for retirees, and this calculator does not model those exclusions. Verify with the Minnesota Department of Revenue.
How are capital gains taxed in Minnesota?
Minnesota has no separate capital gains rate. Capital gains included in your federal AGI are taxed as ordinary income at Minnesota's graduated rates.
Is there a local or city income tax in Minnesota?
Minnesota has no local or city income tax — only the state income tax applies to wages.
Does Minnesota have tax reciprocity with neighboring states?
Minnesota has reciprocity agreements with Michigan, North Dakota. If you live in Minnesota and work in one of those states, you pay Minnesota tax on those wages and file only in Minnesota. For non-reciprocal states, you generally file a non-resident return there and claim a credit at home.
Sources & verification
Last verified June 12, 2026.