Minnesota (MN) Paycheck Calculator 2026

Form W-4MN: when you need it

Minnesota uses its own withholding certificate, Form W-4MN, which you complete when you start a job or when your personal or financial situation changes. If you complete a new federal W-4, you must also complete a W-4MN, and if you give no W-4MN before your first paycheck, your employer withholds as if you were single with zero allowances. Minnesota withholding then follows the state’s four brackets and standard deduction, so it is graduated rather than flat.

Claim allowances on the W-4MN for yourself, your spouse and dependents, and use the extra withholding line if you have a second job or investment income. Two-earner couples often under-withhold, because each employer applies the brackets as if that job were the household’s only income.

Minnesota Paid Leave: the new deduction in 2026

Minnesota Paid Leave premiums began January 1, 2026, at 0.88% of wages. Employers may deduct up to half, 0.44%, from your pay, up to the Social Security wage base of $184,500. That is the main new line on Minnesota pay stubs this year.

On a $65,000 salary the maximum employee share is $286 a year, about $11.00 per bi-weekly check. Employers can pay more than half of the premium on your behalf, so some workers see a smaller deduction or none.

Example: $65,000 in Minneapolis or St. Paul

A single worker earning $65,000 and paid every two weeks takes home about $1,970 per check in 2026: Minnesota income tax is about $111, federal income tax $216, FICA $191 and Paid Leave $11.00 per check. Minneapolis, St. Paul and other Minnesota cities do not tax wages.

Reciprocity with Michigan and North Dakota

Minnesota has income tax reciprocity with Michigan and North Dakota. Residents of those states who work in Minnesota pay tax on wages only to their home state. To qualify you must return to your home state at least once a month. To stop Minnesota withholding, give your employer Form MWR, Reciprocity Exemption/Affidavit of Residency, and file a new one every year.

Minnesota’s agreements cover only Michigan and North Dakota, so commuters from Wisconsin, Iowa or South Dakota do not get the reciprocity exemption. Fargo–Moorhead commuters are covered by the North Dakota agreement. Income earned by a business, estate or trust generally does not qualify.