401(k) Paycheck Calculator for Minnesota
See how raising your 401(k) contribution changes your take-home pay in Minnesota — including Minnesota state income tax on top of federal tax and FICA.
Per paycheck
- Take-home drop per paycheck$74.95
- Extra you save per paycheck$92.31
- Extra saved per year$2,400
- State income tax (per year)$2,183
- Real cost per $1 saved$0.81
How Minnesota state income tax works
Minnesota uses a graduated (progressive) income tax with 4 brackets, from 5.35% on your first dollars up to a top rate of 9.85%. Only the income that falls in each bracket is taxed at that bracket's rate. Its standard deduction is $14,950 for single filers and $29,900 for married couples filing jointly.
| Taxable income (single filer) | Minnesota rate |
|---|---|
| $0 – $32,570 | 5.35% |
| $32,570 – $106,990 | 6.8% |
| $106,990 – $198,630 | 7.85% |
| $198,630+ | 9.85% |
Minnesota state tax at different salaries
Estimated Minnesota state income tax for a single filer contributing 10% to a 401(k), at 2025 rates:
| Salary | Minnesota state tax | Effective rate |
|---|---|---|
| $40,000 | $1,126 | 2.8% |
| $60,000 | $2,183 | 3.6% |
| $80,000 | $3,407 | 4.3% |
| $100,000 | $4,631 | 4.6% |
| $150,000 | $7,828 | 5.2% |
Estimate at 2025 rates assuming the standard deduction and a 10% 401(k) contribution, no other deductions or credits. Local/city taxes are not included.
Minnesota paycheck FAQ
What is the Minnesota state income tax rate?
Does Minnesota tax 401(k) and retirement income?
How much Minnesota state tax will I pay?
Figures current for 2026 · last reviewed June 2026 · sourced from the IRS (IRS Notice 2025-67). How we calculate & cite our data. Educational only — not financial advice.
Assumptions & notes
How is take-home estimated?
Why does saving more cost less than it seems?
How accurate is the state tax?
State income tax compared (all 50 states + DC)
Effective state income tax as a share of a $60,000 salary (after a 10% 401(k) contribution), filing single. Shorter bars mean more take-home. Your state (Minnesota) is highlighted in gold.
Effective rate at this income only (state tax ÷ salary); graduated states rank differently at other salaries. 51 jurisdictions at 2025 rates — open any state's calculator.