Disclaimer: This calculator gives you an estimate based on tax rates and details found online. These rates may change over time. For the most accurate and up-to-date information, please check the official IRS website and your state’s tax website. Always talk to a tax expert for advice about your personal tax situation.
How We Calculate the Result
When using the Minnesota Income Tax Calculator, we start by asking for your total household income. Then, we subtract any 401(k) and IRA contributions you’ve made during the year. After that, you can choose to enter your itemized deductions, or we’ll apply the standard deduction—whichever is higher. We also subtract personal exemptions, if applicable. The amount left after all these deductions is called your taxable income. Based on your filing status, Minnesota’s progressive tax brackets are applied to calculate your estimated tax. Finally, the tool shows your effective tax rate, which is how much tax you’re paying as a percentage of your total income. It also checks if you’re required to file a federal tax return based on your age and income.
About Minnesota Income Tax
Minnesota uses a progressive income tax system, which means people who earn more pay a higher percentage of their income in taxes. The state has four tax brackets, with rates ranging from 5.35% to 9.85%. Your filing status—like whether you’re single, married, or head of household—affects how much of your income is taxed at each rate. For example, a single filer will start paying taxes at 5.35% on the first part of their income, and as their income increases, they may pay 6.80%, 7.85%, and up to 9.85% on the higher portions.
Minnesota allows deductions for retirement contributions like 401(k) and IRA, and you can either itemize your deductions or take the standard deduction. These deductions reduce your taxable income, meaning you may end up paying less tax. Personal exemptions can also reduce the taxable amount. This calculator helps you apply all these factors and gives a clear estimate of your Minnesota income tax.
Minnesota State Income Tax Brackets)
| Filing Status | Tax Rate | Income Bracket |
|---|---|---|
| All Statuses | 5.35% | First ~$31,220 – $44,360 |
| 6.80% | ~$31,221 – $103,110+ | |
| 7.85% | ~$103,111 – $192,060+ | |
| 9.85% | Over ~$192,060 – $284,810+ |
Frequently Asked Questions
What is the income tax rate in Minnesota?
Minnesota has four income tax rates. The more money you make, the higher your rate. It starts at 5.35% and can go up to 9.85%. But only the money over certain limits gets taxed more. So, you don’t pay the highest rate on all your income—just the top part.
When do singles start paying Minnesota income tax?
If you’re single, you start paying Minnesota income tax when your taxable income goes above around $31,220. This is after taking away things like 401(k), IRA, and deductions. If your income is less than that after deductions, you may not owe any state income tax.
When do married filers start paying Minnesota Income tax?
Married couples filing jointly start owing income tax in Minnesota when their taxable income goes over about $44,360. This is after subtracting deductions and retirement savings. So, if your total income is high but you have many deductions, your tax could still be lower.
Can deductions lower my Minnesota tax?
Yes! Things like 401(k) or IRA contributions and itemized deductions help lower your taxable income. The less taxable income you have, the less state tax you’ll pay. You can choose the bigger amount between itemized deductions or the standard deduction to get more savings.
What is taxable income in Minnesota?
Taxable income is the money you have left after taking away allowed deductions from your total income. Minnesota uses this number to decide how much state tax you should pay. The lower your taxable income, the less state tax you’ll owe.