Minnesota payroll · MN Revenue 2026 formula

Minnesota paycheck calculator.

Gross pay in, take-home pay out. Federal withholding follows the 2026 IRS percentage method and Minnesota income tax follows the state’s own 2026 computer formula for employers. Everything runs in your browser; nothing is sent or stored.

Your pay

Gross pay this period ($)

Pay frequency

Form W-4MN marital status

Form W-4MN withholding allowancesEach allowance is worth $5,300 a year in the 2026 formula.

My employer deducts the Paid Leave premium (0.44%)

Pre-tax: lowers income tax and FICA ($ per period)For example Section 125 health premiums.

Pre-tax: lowers income tax only ($ per period)For example a traditional 401(k) deferral, which is still subject to Social Security and Medicare tax.

Local income or occupational tax (% of taxable wages, optional)A rate you supply. No local tax tables are built in.

Federal Form W-4 filing status

Federal W-4 Step 2 box is checked (two jobs)

Federal W-4 Step 3: credits, annual ($)

Federal W-4 Step 4(a): other income, annual ($)

Federal W-4 Step 4(b): deductions, annual ($)

Federal W-4 Step 4(c): extra withholding per period ($)

Wages already paid this year, before this check ($)Only matters near the $184,500 Social Security wage base or the $200,000 Additional Medicare threshold.

Estimated Minnesota paycheck (2026)

Worked example

Biweekly gross $2,500, single, one Minnesota allowance, $100 section 125 premium and $150 traditional 401(k). Income-tax wages are $2,250. Federal income tax $186.15, Social Security $148.80 and Medicare $34.80 (the same federal figures as the U.S. Paycheck Calculator example).

Minnesota: $2,250 × 26 = $58,500; minus 1 × $5,300 = $53,200. Single chart row $38,010–$114,130: $1,782.09 + 6.80% × ($53,200 − $38,010) = $2,815.01 a year, ÷ 26 = $108.27.
Paid Leave premium: 0.44% × $2,400 = $10.56.
Take-home: $2,500 − $250 pre-tax − $186.15 − $148.80 − $34.80 − $108.27 − $10.56 = $1,761.42.

How it is calculated

Federal withholding is IRS Publication 15-T (2026) Worksheet 1A for a Form W-4 from 2020 or later, and Social Security (6.2% to $184,500), Medicare (1.45%) and Additional Medicare Tax (0.9% over $200,000) follow IRS Publication 15. Minnesota withholding uses the Computer Formula in the Department of Revenue’s 2026 Withholding Instructions and Tax Tables: annualize the wage, subtract $5,300 for each W-4MN allowance (stop if the result is zero or less), apply the single or married chart (5.35%, 6.80%, 7.85%, 9.85% with the chart’s fixed add-on amounts) and divide by the number of pay periods. The Paid Leave premium is 0.44% of wages, the most an employer may collect from an employee out of the 0.88% total, applied here to Social Security and Medicare wages with no annual cap modelled.

Assumption: the pre-tax amounts you enter reduce Minnesota taxable wages the same way they reduce federal income-tax wages; your employer’s payroll setup controls the exact treatment. Not covered: W-4s from 2019 or earlier, bonuses and other supplemental pay (Minnesota withholds a flat 6.25% when paid separately), nonresident work, other local taxes and the Paid Leave annual wage cap, and wage bracket method rounding. This is a planning estimate, not an official calculation or tax advice.

Sources and as-of dates

Minnesota Withholding Instructions and Tax Tables (start using Jan. 1, 2026): Computer Formula on page 34: $5,300 per allowance, single and married charts; 6.25% flat rate for separately paid supplemental pay.
Minnesota Paid Leave employer poster (DEED): premium of 0.88% of covered wages; the employer may deduct up to 0.44% from the employee.
IRS Publication 15-T (2026): dated Dec 3, 2025: Worksheet 1A and the annual Percentage Method tables used for federal withholding.
IRS Publication 15 (2026), Employer’s Tax Guide: dated Dec 15, 2025: 6.2% Social Security up to a $184,500 wage base, 1.45% Medicare, 0.9% Additional Medicare Tax over $200,000.
Figures retrieved October 16, 2026. States and the IRS republish these formulas, usually each January; this tool covers 2026 only. It does not look anything up from a government system.

FAQ

Why does my real paycheck differ from this estimate?

Employers may use printed Minnesota tables instead of the formula, round differently, apply your exact Form W-4 entries and withhold local, disability, benefit and retirement amounts this tool does not model. Treat the result as an estimate, not tax advice.

Which form sets my Minnesota withholding?

Form W-4MN. The federal W-4 does not compute Minnesota allowances, and an employee without a valid W-4MN is withheld as single with zero allowances, according to the Minnesota Department of Revenue instructions.

Is the Paid Leave premium really taken from my paycheck?

The state sets the premium at 0.88% of covered wages and lets the employer deduct up to half, 0.44%, from the employee. Some employers pay it all. Untick the box if yours does.

How is a bonus taxed in Minnesota?

Supplemental payments made separately from regular wages are withheld at a flat 6.25% regardless of allowances, per the Minnesota instructions. This calculator models regular pay only.

Does a 401(k) deferral lower Social Security and Medicare tax?

No. Per IRS Publication 15, elective 401(k) deferrals are exempt from income tax withholding but remain subject to Social Security and Medicare tax. Section 125 cafeteria-plan benefits such as health premiums generally are not.