Paycheck · Minnesota · 2026
Minnesota Paycheck Calculator
Estimate a Minnesota salary or hourly paycheck using federal W-4 withholding, Minnesota's independent W-4MN certificate and the 2026 state-plan employee Paid Leave maximum. The free estimate uses the employer booklet's computer formula, retaining cents instead of optional whole-dollar rounding.
Verified for tax year 2026 · State rules reviewed
Review details
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Last updated: October 2026
Minnesota paycheck taxes at a glance
Minnesota's W-4MN allowances do not come from the federal W-4. Paid Leave starts in 2026 and has its own employee premium and rounded $185,000 wage cap.
- W-4MN annual allowance
- $5,300 each
- Computer formula rates
- 5.35% / 6.80% / 7.85% / 9.85%
- Separate bonus withholding
- 6.25%, without allowances
- 2026 employee Paid Leave maximum
- 0.44%, wages capped at $185,000
Estimated take-home pay
$2,814.97
per biweekly pay · $112,000.00 annual grossest. tax rate
- Gross pay
- $4,307.69
- Federal income tax
- −$518.89
- Social Security
- −$255.30
- Medicare
- −$59.71
- Minnesota state income tax
- −$234.49
- Minnesota Paid Leave (employee maximum)
- −$18.95
- Pre-tax deductions
- −$405.38
- Post-tax deductions
- −$0.00
- Net pay
- $2,814.97
$1,407.48
$2,814.97
$6,099.10
$73,189.17
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Paycheck estimate — not an employer-issued paystub or proof of income.
What-if scenarios
Calculations are estimates for informational purposes and are not tax, legal, or financial advice. Actual withholding and take-home pay may differ.
How Minnesota withholding is calculated
Use the withholding formula and your state certificate
The 2026 employer booklet's page 34 computer formula annualizes wages, subtracts $5,300 per W-4MN allowance and applies the single or married schedule. Married at the higher single rate uses the single schedule. Without a W-4MN, single and zero allowances applies; federal credits and status do not silently replace the Minnesota certificate. Additional line 2 withholding is separate. The product copies selections rather than preparing the certificate or deciding allowance eligibility.
A reproducible worksheet calculation
At $52,000 annually, biweekly pay, single, one W-4MN allowance and no benefits: annualized base $46,700; annual formula $1,782.09 + ($46,700 − $38,010) ×6.80% = $2,373.01; per-check state withholding $91.27. Employee Paid Leave is $8.80. Federal withholding and FICA further reduce net pay. This is our calculation from the official method, not a government net-pay example.
Separate bonus versus regular wages
The annual bonus input represents one separately paid bonus: the booklet requires 6.25% withholding without allowances. A $1,000 taxable separate bonus produces $62.50 Minnesota withholding once, shown as an annual-average amount per check. Percentage retirement elections reduce the modeled taxable bonus; fixed regular-pay benefits stay with regular pay. Combined or differently recorded supplemental payments can follow another allowed method and are outside this separate-payment selection.
Daily withholding uses a different annualizer
Minnesota's published computer formula uses 360 for daily payments. Federal calculation and this app's annual work pattern retain260days, so the state formula annualizes the actual representative daily check by 360 and divides its withholding by 360; the annual result sums 260modeled checks. Weekly 52, biweekly 26, semimonthly 24 and monthly 12 use the printed factors. Quarterly 4 and semiannual 2 apply the same annual formula as estimates; those columns are not printed in the booklet.
Paid Leave is not income tax
The 2026 standard total premium is 0.88%, with employee deductions capped at 0.44%; qualifying small employers have a reduced employer share rather than a larger employee charge. The 2026 agency notice sets covered wages up to $185,000, rounding the Social Security base to the nearest thousand. Cash-option salary reductions, including modeled retirement and cafeteria deductions, stay in this premium base. Employer-only premiums are never employee deductions.
Coverage and estimate limits
A state withholding exemption or valid MWR reciprocity for eligible Michigan/North Dakota residents removes state income-tax withholding, not Paid Leave premiums. Confirm actual coverage before excluding Paid Leave. For employer-funded or approved private-plan arrangements with a different deduction, exclude the estimate and enter the actual amount once under other post-tax deductions. Actual YTD stopping, minimum-wage chargeback protection, non-cash-option benefit exclusions, special employment, nonresident allocation, cross-state credits and final-return liability are not calculated. No separate local employee wage-tax rule is registered; this is a scope statement, not an exemption finding.
Official sources
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Minnesota paycheck questions
What the Minnesota estimate includes, which official schedules it uses, and what it deliberately leaves out.
Can I use federal W-4 credits as Minnesota allowances?
No. Copy the independent allowance count and marital election from your W-4MN. Without a certificate the default is single and zero allowances.
Why is the Paid Leave cap $185,000?
Minnesota's 2026 agency notice uses the Social Security withholding limit rounded to the nearest thousand dollars. It differs from the exact184500 federal Social Security base.
Does reciprocity remove Paid Leave?
No. A valid documented MWR election affects income-tax withholding. Paid Leave coverage and actual employee deduction are separate.