Minnesota Income Tax Calculator (2026)
Estimate your 2026 Minnesota income tax on the 5.35% to 9.85% brackets, after Minnesota’s own standard deduction and dependent exemption. No sign-up, no cost.
Estimate Your Minnesota Tax
Each dependent exemption is worth $5,300 for 2026. Minnesota has no separate personal exemption for you or your spouse.
If your Minnesota itemized deductions beat the standard deduction ($15,300 single / $30,600 joint / $23,000 head of household), enter them here and the larger amount is used.
Take-home here is after Minnesota state tax only. Federal income tax and FICA (Social Security and Medicare) are separate — use our paycheck calculator for your full take-home pay. Estimates only — your actual return may differ.
How Minnesota Income Tax Works
Minnesota taxes income in four brackets from 5.35% to 9.85% — and even its lowest rate is higher than many states’ top rates. The 9.85% top rate is one of the highest in the nation, but it only applies to taxable income above $203,150 for single filers ($337,930 joint). Minnesota has no local income tax, so the state return is the only income-tax filing most residents deal with.
- Brackets: 5.35% to 9.85%. Four brackets. Most middle-income filers split time between the 5.35% and 6.80% brackets; the 7.85% bracket starts at $109,430 single ($193,480 joint).
- Standard deduction: Minnesota’s own amounts. $15,300 single, $30,600 joint, $23,000 head of household for 2026 — close to but not equal to the federal amounts. Minnesota starts from federal adjusted gross income, then subtracts its own standard deduction.
- Dependent exemption: $5,300 each. Claimed per dependent. Minnesota does not offer a separate personal exemption for the taxpayer or spouse.
- Social Security subtraction (not modeled). Minnesota fully subtracts taxable Social Security benefits at AGI up to $86,410 single ($110,780 joint) for 2026, phasing out above — retirees may owe less than shown here.
- Capital gains taxed as ordinary income. Minnesota gives no preferential rate for long-term gains, and adds a 1% tax on net investment income above $1 million.
MN tax = brackets applied to MN taxable income (5.35% to 9.85%)
Minnesota Brackets for 2026
| Rate | Single | Joint | Separate | Head of household |
|---|---|---|---|---|
| 5.35% | $0 – $33,310 | $0 – $48,700 | $0 – $24,350 | $0 – $41,010 |
| 6.80% | $33,311 – $109,430 | $48,701 – $193,480 | $24,351 – $96,740 | $41,011 – $164,800 |
| 7.85% | $109,431 – $203,150 | $193,481 – $337,930 | $96,741 – $168,965 | $164,801 – $270,060 |
| 9.85% | Over $203,150 | Over $337,930 | Over $168,965 | Over $270,060 |
Worked Example: Single, $80,000
Take a single filer earning $80,000 with no dependents, taking the standard deduction:
| Calculation | Amount | |
|---|---|---|
| Standard deduction (single) | $15,300 | |
| Minnesota taxable income | $80,000 − $15,300 | $64,700 |
| Tax at 5.35% | $33,310 × 5.35% | $1,782.09 |
| Tax at 6.80% | ($64,700 − $33,310) × 6.80% | $2,134.52 |
| Total Minnesota tax | $1,782.09 + $2,134.52 | $3,916.61 |
| Effective rate | $3,916.61 ÷ $80,000 | 4.90% |
At $80,000 the bill is $3,916.61 — a 4.90% effective rate, well below the 6.80% marginal bracket, because the standard deduction and the 5.35% bracket shelter the first dollars.
Frequently Asked Questions
