StubRate · Take-home calculator · Minnesota
Take-home pay in Minnesota
Estimate what a salary in Minnesota (MN) becomes after federal tax, ≈7.0% effective state income tax estimate, FICA, typical benefits, and optional commute costs.
Minnesota is a higher-tax state for wages. StubRate’s ~7% effective estimate is why a Twin Cities salary keeps less than the same gross in the Dakotas or Wisconsin’s milder take—before housing.
Use this page for healthcare, corporate, and public-sector offers in Minneapolis, Saint Paul, Rochester, and Duluth.
Sample: $85,000 single filer in Minnesota → about $4,846/mo net (68.4% stub rate) and $4,668/mo after a modest hybrid commute and lunches. Assumptions: 5% 401(k), $140/month health, three office days, 12 miles each way.
Your stub rate
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Enter a salary to see your stub rate
- Monthly take-home
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- Per paycheck
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- True monthly (after job costs)
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- Effective hourly
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Where the money goes
- Federal tax—
- State tax—
- Social Security + Medicare—
- 401(k)—
- Health premiums—
- Commute & work costs—
Income tax in Minnesota
Brackets exist; high earners pay more than the teaching rate. StubRate is not a full Minnesota return. Federal tax and FICA still apply.
Some localities do not add a New York-style city tax. The state line is the main extra leak versus a no-tax state.
Every U.S. W-2 wage still faces federal income tax and FICA (Social Security plus Medicare). Minnesota’s difference is the state line—and any local wage tax if your city charges one.
Sample take-home by salary in Minnesota
Single filer, biweekly pay, 5% traditional 401(k), $140/month health premium, no commute. Educational estimates only.
| Gross salary | Est. net / month | Est. net / year | Stub rate | State tax / year |
|---|---|---|---|---|
| $50,000 | $2,955 | $35,456 | 70.9% | $3,207 |
| $75,000 | $4,348 | $52,172 | 69.6% | $4,870 |
| $100,000 | $5,593 | $67,122 | 67.1% | $6,532 |
| $125,000 | $6,839 | $82,072 | 65.7% | $8,195 |
| $150,000 | $8,048 | $96,572 | 64.4% | $9,857 |
Living and commuting in Minnesota
Minneapolis, Saint Paul, Bloomington, Rochester, and Duluth have different rents and winters. Light rail helps some commutes; many jobs still assume a car and a heated garage bill.
A Rochester Mayo offer and a downtown Minneapolis offer do not share a 12-mile default. Enter the real trip.
Common job markets on this page: Minneapolis, Saint Paul, Rochester, Bloomington, Duluth. Housing and office days change true stub rate more than a small difference in the state tax shortcut.
Compare two offers if one job is in Minnesota and the other is elsewhere—or if commute days differ.
Nearby take-home calculators
Same salary, different state tax line. Open a neighbor to compare.
Guides that pair with Minnesota take-home
Minnesota take-home questions
Does Minnesota have state income tax?
Yes. StubRate uses an approximate 7.0% effective rate for estimates—not a full bracket simulation or every local wage tax.
What is take-home pay on $85,000 in Minnesota?
Using StubRate’s sample for a single filer with 5% 401(k) and a $140/month health premium, about $4,846/month net before extra job costs, or roughly $4,668/month after a modest hybrid commute (three office days, 12 miles each way, lunches). Your numbers will differ.
How much do I keep on $100,000 in Minnesota?
Under the tax-only sample (single, 5% 401(k), $140/month health, no commute), about $5,593/month, or 67.1% of gross. Add commute and lunches in the calculator to see true take-home.
Is this Minnesota calculator official tax software?
No. It is an educational estimate for comparing offers. It does not file a return, model every local tax, or replace a payroll sample or a tax professional.