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Minnesota uses a graduated state income tax with four brackets ranging from 5.35% to 9.85% in 2026. Minnesota's average annual salary is approximately $63,000, placing most workers in the 6.80% bracket. Minnesota is one of a handful of states that taxes Social Security benefits for higher-income residents — single filers above approximately $75,000 and married filers above $95,000 lose some or all of their Social Security exemption. On a $70,000 salary, a single Minnesota worker pays approximately $3,240 in state income tax, $4,340 in Social Security, and $1,015 in Medicare — taking home approximately $54,840 after federal and state deductions.
Applies Minnesota's 2026 brackets (5.35%–9.85%) for your filing status after the state standard deduction ($15,300 single, $30,600 married filing jointly). Rates: Minnesota Department of Revenue. Annual estimate, not employer withholding tables; the deduction phase-down above $244,400 AGI is applied; state credits are not modeled. Confirm with payroll.
Bi-weekly take-home
$2,109.17
Annual net: $54,838
Where your pay goes
Effective rate
21.7%
Federal marginal
22.0%
State tax uses 2026 Minnesota brackets, standard deduction and credits for your filing status (state marginal rate 6.80%). City/county income taxes and state disability or leave payroll deductions are not included.
| Deduction | Rate | On $70,000 Salary |
|---|---|---|
| Federal income tax | 10%–22% progressive | ~$6,570 |
| Minnesota state tax | 5.35%–6.80% | ~$3,237 |
| Social Security | 6.2% | $4,340 |
| Medicare | 1.45% | $1,015 |
| Est. total deductions | — | ~$15,162 |
| Est. net take-home | — | ~$54,838 |
| Taxable Income (Single) | Rate |
|---|---|
| $0 – $33,310 | 5.35% |
| $33,310 – $109,430 | 6.80% |
| $109,430 – $203,150 | 7.85% |
| Above $203,150 | 9.85% |
| State | State Tax on $70K | Est. Net Take-Home | Difference vs MN |
|---|---|---|---|
| Minnesota | ~$3,237 | ~$54,838 | — |
| Wisconsin | ~$2,647 | ~$55,428 | +$590 |
| Iowa | ~$2,008 | ~$56,067 | +$1,229 |
| North Dakota | ~$84 | ~$57,991 | +$3,153 |
| South Dakota | $0 | ~$58,075 | +$3,237 |
On a $70,000 salary in Minnesota (single filer), total deductions include approximately $6,570 federal income tax, $3,237 Minnesota state tax, $4,340 Social Security, and $1,015 Medicare — totaling approximately $15,162. Net take-home is approximately $54,838 per year or about $4,570 per month.
Minnesota has four graduated brackets. For single filers in 2026: 5.35% on taxable income up to $33,310, 6.80% on $33,310–$109,430, 7.85% on $109,430–$203,150, and 9.85% above $203,150. Brackets apply after the $15,300 standard deduction. Most Minnesota workers fall in the 6.80% bracket.
Yes. Minnesota taxes Social Security for higher-income residents. Single filers above approximately $75,000 and married filers above $95,000 lose some or all of their Social Security exemption. Lower-income seniors may qualify for a full or partial exemption.
On a $70,000 salary (single filer), a Minnesota resident takes home approximately $54,838 vs $58,075 in South Dakota (no income tax) — a difference of about $3,237 per year. South Dakota's lack of state income tax makes it significantly more attractive for take-home pay.
Minnesota's 2026 standard deduction is $15,300 for single filers, $30,600 for married filing jointly and $23,000 for head of household; the calculator applies it automatically. Minnesota also has a dependent exemption and credits such as the Working Family Credit for lower-income earners, which this calculator does not apply. Federal deductions do not directly reduce Minnesota state taxable income.
Minnesota state income tax is withheld from each paycheck by your employer. Annual returns are due April 15, 2026. Minnesota uses Form M1 for individual income tax returns.
Educational estimates only. Not IRS or payroll advice.