Tax Bracket Calculator for Minnesota (MN) — Free Calculator

Minnesota Tax Brackets (2026)

Minnesota uses a graduated income tax system with a top marginal rate of 9.85%.

Minnesota Bracket Structure

5.35% on first $31,690 (single); 6.8% on $31,691–$104,090; 7.85% on $104,091–$193,240; 9.85% above $193,240

Minnesota has one of the higher top income tax rates in the US at 9.85%. The 9.85% rate kicks in at $193,240 for single filers. Minnesota also imposes a 1.5% tax on investment income (NIIT) for high earners, and taxes Social Security income (partially).

Federal Tax Brackets Still Apply to Minnesota Residents

Regardless of Minnesota's state tax rules, all residents pay federal income tax. Federal brackets for 2024 range from 10% (on income up to $11,600 for single filers) to 37% (on income over $609,350). Your effective federal rate is typically well below the top marginal rate due to the graduated bracket structure.

Effective vs. Marginal Rate in Minnesota

Your marginal rate is the rate on your last dollar of income. Your effective rate is your total tax divided by total income. For Minnesota residents the marginal rate can reach 9.85% but most filers pay a lower effective rate. The median household income in Minnesota is $77,720.

Data: Tax Foundation (2024), IRS Statistics of Income, US Census Bureau ACS 2023. Updated 2024–2025. Figures reflect state averages — consult a licensed CPA for personalized tax advice.

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Frequently Asked Questions

What tax brackets apply to Minnesota residents?

Minnesota has a graduated income tax system. 5.35% on first $31,690 (single); 6.8% on $31,691–$104,090; 7.85% on $104,091–$193,240; 9.85% above $193,240. Federal brackets also apply on top of the state tax.

What is the difference between marginal and effective tax rate in Minnesota?

Your marginal rate is the rate on your highest dollar of income. Your effective rate is your total tax burden divided by total income. In Minnesota, even if the top marginal rate is 9.85%, most residents pay a lower effective rate because lower income portions are taxed at lower brackets.

Does Minnesota have different tax brackets for married filers?

Yes, Minnesota typically has different bracket thresholds for single vs. married filing jointly filers. Married joint filers often have brackets approximately twice as wide, reducing the marriage penalty. Check the Minnesota Department of Revenue for current bracket tables.

How does this tax bracket calculator work for Minnesota?

Enter your income and filing status. The calculator applies both federal and Minnesota state tax brackets to show your marginal rate, effective rate, and total estimated tax. Minnesota's graduated rate of up to 9.85% is applied to your state taxable income.