Your full 2026 tax picture as a Minnesota employee: federal income tax, Social Security and Medicare, and Minnesota state income tax — computed live from the official 2026 tables, with every slice shown.
State: Minnesota (locked — use the state links above for another state).
Figure A Where each $100 of gross pay goes
Only the income inside each bracket is taxed at that bracket's rate. Your highest slices are highlighted; the totals are exactly what the calculator above used.
| Slice of taxable income | Amount in slice | Rate | Tax on slice |
|---|---|---|---|
| Federal | |||
| Slice 1 — $0 to $12,400 | $12,400 | 10% | $1,240 |
| Slice 2 — $12,400 to $50,400 | $38,000 | 12% | $4,560 |
| Slice 3 — $50,400 to $58,900 | $8,500 | 22% | $1,870 |
| Federal income tax | $7,670 | ||
| Minnesota | |||
| Slice 1 — $0 to $33,310 | $33,310 | 5.35% | $1,782 |
| Slice 2 — $33,310 to $59,700 | $26,390 | 6.8% | $1,795 |
| Minnesota income tax | $3,577 | ||
The solid line is what you keep in Minnesota; the dashed line is the median of all 51 jurisdictions at the same salary (single filer). Where the lines cross is where Minnesota stops being the better deal.
Figure B Take-home pay as salary rises
If every dollar you earned from January 1 went to tax, this is the day you'd stop paying and start keeping.
Figure C The tax year, day by day
You work until Mar 24 — day 83 of 365 — to pay your total 2026 tax bill of $16,984. Everything you earn after that is yours.
On $75,000, a single filer here keeps $58,016. The median state keeps $59,018 — you are $1,002 behind. See all 51 states ranked by take-home pay.
| Salary | Federal tax | State tax | Social + Medicare | Total tax | Take-home | Effective rate |
|---|---|---|---|---|---|---|
| $40,000 | $2,620 | $1,321 | $3,060 | $7,001 | $32,999 | 17.5% |
| $50,000 | $3,820 | $1,877 | $3,825 | $9,522 | $40,478 | 19.0% |
| $75,000 | $7,670 | $3,577 | $5,738 | $16,984 | $58,016 | 22.6% |
| $100,000 | $13,170 | $5,277 | $7,650 | $26,097 | $73,903 | 26.1% |
| $150,000 | $24,734 | $8,942 | $11,475 | $45,151 | $104,849 | 30.1% |
| $200,000 | $36,734 | $12,867 | $14,339 | $63,940 | $136,060 | 32.0% |
Single filer, no pre-tax deductions. The $75,000 row is the calculator's default above.
The state-specific rules behind the numbers above — the things a generic calculator gets wrong about Minnesota.
Minnesota's four single-filer brackets for 2026 are 5.35% up to $33,310, 6.80% to $109,430, 7.85% to $203,150 and 9.85% above that. The single standard deduction is $15,300, with a $5,300 exemption per dependent, and the standard deduction phases down at high adjusted gross income. The combination — a high top rate and deductions that shrink at the top — makes Minnesota one of the more progressive state systems.
Source: Tax Foundation 2026 state income tax data (Minnesota brackets, $15,300 standard deduction, $5,300 dependent exemption)
Minnesota does tax Social Security, unlike most states in 2026, but it softens that with a dedicated subtraction on Schedule M1M. Since 2023 there are two methods: a simplified method under which filers below set AGI thresholds for their filing status subtract all of their federally taxed Social Security, with the subtraction phasing out by 10% for each $4,000 of AGI above the threshold (each $2,000 for married filing separately), and an alternative method based on provisional income similar to the pre-2023 calculation. You claim the larger result.
Source: Minnesota Department of Revenue, Social Security Benefit Subtraction page and Schedule M1M instructions
Enacted in 2023, Minnesota's Child Tax Credit is a refundable credit of $1,750 per qualifying child under 18, with no cap on the number of children, phasing out as income rises above lower-income thresholds. It sits alongside the state's Working Family Credit and is one of the largest state child credits in the country.
Source: Minnesota Department of Revenue, Child Tax Credit page ($1,750 per child under 18, no limit on number of children)
Renters used to file a separate property tax refund return and receive a separate payment. From 2025 the Renter's Credit is a refundable credit claimed directly on the Minnesota income tax return, Form M1, using the Certificate of Rent Paid supplied by the landlord — so it arrives as part of the normal state refund instead of as a separate later payment. Homeowners still use the separate property tax refund route.
Source: Minnesota Department of Revenue, Renter's Credit guidance
Minnesota has four brackets for a single filer in 2026: 5.35% up to $33,310, 6.80% to $109,430, 7.85% to $203,150 and 9.85% above $203,150. That 9.85% top rate is among the highest in the country, but it only applies to taxable income above $203,150.
On $75,000 as a single filer, this calculator estimates Minnesota tax of $3,577 and take-home of $58,016, after federal tax of $7,670 and FICA of $5,738. At that income a single filer sits in the 6.80% Minnesota bracket on the top slice of taxable income.
Minnesota is one of the few states that still tax Social Security, but it offers a subtraction. Under the simplified method in place since 2023, lower- and middle-income filers can subtract all of the Social Security included in their federal AGI, and the subtraction then phases down as AGI rises; an alternative provisional-income method is also available and you use whichever is larger. Check Schedule M1M for the current-year thresholds for your filing status.
It is a refundable state credit of $1,750 for each qualifying child under 18, with no limit on the number of children. It is aimed at lower-income families: the full amount is available at lower incomes and it phases out as income rises. It is separate from the federal child tax credit and is claimed on the Minnesota return.
It is now part of the income tax return itself. Since the 2025 filing change, renters claim the refundable Renter's Credit on Form M1 using the Certificate of Rent Paid (CRP) from their landlord, instead of filing a separate property tax refund return and waiting for a separate payment later in the year.
For a single filer it is $15,300 for 2026, and there is also a dependent exemption of $5,300 per dependent. The standard deduction phases down at high adjusted gross income, so very high earners get less than the headline $15,300.
Calculate Minnesota income tax for 2026: federal tax, Social Security, Medicare and Minnesota state tax on any salary — take-home pay, effective and marginal rates, bracket breakdown and Tax Freedom Day.
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Work out your 2026 take-home pay in Minnesota: federal income tax on the official 2026 brackets, Social Security and Medicare, and Minnesota state income tax on its own published schedule — with net pay, monthly net, your average and marginal rates, a bracket-by-bracket build and your Tax Freedom Day. Rates checked 31 October 2026; all figures are for the 2026 tax year.
Single filer on $75,000 in Minnesota, 2026. Federal income tax is $7,670.00. Minnesota income tax is $3,576.61, on taxable income after the $15,300 standard deduction. Social Security and Medicare together are $5,737.50. Total tax is $16,984.11, so take-home pay is $58,015.90 a year — $4,835 a month — at an average rate of 22.6% and a marginal rate of 36.5%.
Federal tax uses the 2026 brackets and standard deduction from IRS Rev. Proc. 2025-32 ($16,100 single, $32,200 joint), Social Security is 6.2% up to the $184,500 wage base and Medicare 1.45% with the 0.9% Additional Medicare Tax over $200,000 (single). Minnesota taxes income in 4 bands from 5.35% to 9.85%. The standard deduction is $15,300.00 for a single filer. Each layer is computed slice by slice on taxable income — gross minus the standard deduction and any pre-tax amounts you enter — and state credits in the dataset are subtracted from the tax itself. Sources for every state figure are printed on the calculator page.
Minnesota has four brackets for a single filer in 2026: 5.35% up to $33,310, 6.80% to $109,430, 7.85% to $203,150 and 9.85% above $203,150. That 9.85% top rate is among the highest in the country, but it only applies to taxable income above $203,150.
On $75,000 as a single filer, this calculator estimates Minnesota tax of $3,577 and take-home of $58,016, after federal tax of $7,670 and FICA of $5,738. At that income a single filer sits in the 6.80% Minnesota bracket on the top slice of taxable income.
Minnesota is one of the few states that still tax Social Security, but it offers a subtraction. Under the simplified method in place since 2023, lower- and middle-income filers can subtract all of the Social Security included in their federal AGI, and the subtraction then phases down as AGI rises; an alternative provisional-income method is also available and you use whichever is larger. Check Schedule M1M for the current-year thresholds for your filing status.
It is a refundable state credit of $1,750 for each qualifying child under 18, with no limit on the number of children. It is aimed at lower-income families: the full amount is available at lower incomes and it phases out as income rises. It is separate from the federal child tax credit and is claimed on the Minnesota return.
It is now part of the income tax return itself. Since the 2025 filing change, renters claim the refundable Renter's Credit on Form M1 using the Certificate of Rent Paid (CRP) from their landlord, instead of filing a separate property tax refund return and waiting for a separate payment later in the year.
For a single filer it is $15,300 for 2026, and there is also a dependent exemption of $5,300 per dependent. The standard deduction phases down at high adjusted gross income, so very high earners get less than the headline $15,300.
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