How to Use This Calculator
Enter your income, filing status, and any deductions. The calculator computes your Minnesota state income tax alongside your federal tax, showing exactly how much goes to each and what you take home.
The most useful thing to try? Compare different income levels to see how Minnesota's brackets affect your tax bill, then look at how combined federal + state taxes shape your total take-home pay.
Here's what each field means:
Annual Income is your total earnings before any taxes. Include wages, freelance income, investment income, and any other sources.
Filing Status determines which set of tax brackets and deductions apply. Minnesota uses filing statuses similar to the federal system — single, married filing jointly, married filing separately, and head of household.
Minnesota Income Tax: What You Need to Know
Minnesota uses a progressive income tax system with rates ranging from 5.35% to 9.85%. Like the federal system, this means your income is taxed in layers — each bracket only applies to the income within that range, not your entire income.
Minnesota Tax Brackets (Single Filers)
| Taxable Income | Tax Rate |
|---|---|
| $0 - $31,690 | 5.35% |
| $31,690 - $104,090 | 6.8% |
| $104,090 - $183,340 | 7.85% |
| $183,340+ | 9.85% |
Married Filing Jointly
| Taxable Income | Tax Rate |
|---|---|
| $0 - $46,330 | 5.35% |
| $46,330 - $184,040 | 6.8% |
| $184,040 - $321,450 | 7.85% |
| $321,450+ | 9.85% |
A Real Example
Let's say you're a single filer earning $85,000 in Minnesota. After applying the standard deduction of $14,575, your income flows through each bracket:
Your approximate Minnesota state income tax would be around $4,569, for an effective state tax rate of about 5.4%.
Remember, this is just the state portion. You'll also owe federal income tax and FICA taxes on top of this.
Deductions and Exemptions
Standard Deduction: Minnesota offers a standard deduction of $14,575 for single filers and $29,150 for married couples filing jointly.
Standard deduction near federal levels. Minnesota offers a generous K-12 education credit/subtraction, a child and dependent care credit, a property tax refund program, and a working family credit (state EITC). Social Security subtraction is available for those with income below certain thresholds.
Local Taxes
No local income taxes in Minnesota.
What's Unique About Minnesota
Minnesota has some of the highest income tax rates in the country, with a top rate of 9.85% — the fifth-highest in the nation. The 7.85% and 9.85% brackets affect solidly upper-middle-class earners. Minnesota conforms closely to the federal tax code and uses a standard deduction near the federal amount. On the positive side, Minnesota offers some of the most generous social services and public infrastructure in the country. Social Security is partially taxable in Minnesota but with significant exemptions for middle-income earners.
Recent Changes
Minnesota expanded its Social Security exemption in recent years and increased its child tax credit. Bracket thresholds are adjusted annually for inflation.
How to Use This Calculator Strategically
Model a raise or job change. See how additional income moves through Minnesota's brackets and affects your effective tax rate.
Compare filing statuses. If you're married, run the numbers both jointly and separately. The better option depends on your specific income situation.
Plan your deductions. Test how maximizing retirement contributions or other deductions affects your Minnesota tax bill.
Evaluate a move. Compare Minnesota's rates to other states you're considering. The difference in take-home pay might surprise you.
References
- Minnesota Department of Revenue. (2025). Individual Income Tax.
This calculator is for educational purposes only and does not constitute tax or financial advice. Tax rates, brackets, and rules change regularly. Consult a qualified tax professional for guidance specific to your situation.