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 Minnesota worker pays approximately $4,300 in state income tax, $4,340 in Social Security, and $1,015 in Medicare — taking home approximately $52,100 after federal and state deductions.
Calculator uses a simplified flat effective Minnesota rate on taxable income — not full M1 bracket withholding. Social Security benefit taxation and local taxes are not modeled. Confirm with payroll.
Bi-weekly take-home
$2,028.12
Annual net: $52,731
Where your pay goes
| Gross salary | $70,000 |
| Federal income tax | −$7,014 |
| State tax (Minnesota) | −$4,900 |
| Social Security | −$4,340 |
| Medicare | −$1,015 |
| Net pay (annual) | $52,731 |
| Net pay (Bi-weekly) | $2,028.12 |
| Deduction | Rate | On $70,000 Salary |
|---|---|---|
| Federal income tax | 10%–22% progressive | ~$8,200 |
| Minnesota state tax | 5.35%–6.80% | ~$4,300 |
| Social Security | 6.2% | $4,340 |
| Medicare | 1.45% | $1,015 |
| Est. total deductions | — | ~$17,855 |
| Est. net take-home | — | ~$52,145 |
| Income (Single) | Rate |
|---|---|
| $0 – $31,690 | 5.35% |
| $31,691 – $104,090 | 6.80% |
| $104,091 – $193,240 | 7.85% |
| Above $193,240 | 9.85% |
| State | State Tax on $70K | Est. Net Take-Home | Difference vs MN |
|---|---|---|---|
| Minnesota | ~$4,300 | ~$52,145 | — |
| Wisconsin | ~$3,500 | ~$52,945 | +$800 |
| Iowa | ~$2,700 | ~$53,745 | +$1,600 |
| North Dakota | ~$875 | ~$55,570 | +$3,425 |
| South Dakota | $0 | ~$56,445 | +$4,300 |
On a $70,000 salary in Minnesota, total deductions include approximately $8,200 federal income tax, $4,300 Minnesota state tax, $4,340 Social Security, and $1,015 Medicare — totaling approximately $17,855. Net take-home is approximately $52,145 per year or $4,345 per month.
Minnesota has four graduated brackets: 5.35% on income up to $31,690, 6.80% on $31,691–$104,090, 7.85% on $104,091–$193,240, and 9.85% above $193,240. 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 $70,000 salary, a Minnesota resident takes home approximately $52,145 vs $56,445 in South Dakota (no income tax) — a difference of $4,300 per year. South Dakota's lack of state income tax makes it significantly more attractive for take-home pay.
Minnesota's standard deduction is $14,575 for single filers and $28,470 for married filing jointly. Minnesota also offers personal exemptions and various credits including the Working Family Credit for lower-income earners. 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.