Minnesota Paycheck Calculator
Estimate your net pay in Minnesota after federal, state, and FICA taxes, plus common deductions.
Gross Pay per Pay Period:
Pay Frequency:
Bi-weekly (26x per year)
Semi-monthly (24x per year)
Weekly (52x per year)
Monthly (12x per year)
Federal Withholding
Federal Filing Status:
Single
Married Filing Jointly
Head of Household
Number of Dependents (for tax credit):
Additional Federal Withholding:
Minnesota State Withholding
MN Filing Status:
Single
Married Filing Jointly
Head of Household
Number of MN Exemptions:
Additional MN Withholding:
Pre-Tax Deductions
401(k) / 403(b) Contribution:
Health Insurance Premiums:
Other Pre-Tax Deductions:
Post-Tax Deductions
Roth 401(k) / Other Post-Tax:
Calculate Paycheck
function calculatePaycheck() {
// Input values
var grossPay = parseFloat(document.getElementById('grossPay').value);
var payFrequency = parseInt(document.getElementById('payFrequency').value);
var federalFilingStatus = document.getElementById('federalFilingStatus').value;
var federalDependents = parseInt(document.getElementById('federalDependents').value);
var additionalFederalWithholding = parseFloat(document.getElementById('additionalFederalWithholding').value);
var mnFilingStatus = document.getElementById('mnFilingStatus').value;
var mnExemptions = parseInt(document.getElementById('mnExemptions').value);
var additionalMnWithholding = parseFloat(document.getElementById('additionalMnWithholding').value);
var preTax401k = parseFloat(document.getElementById('preTax401k').value);
var preTaxHealthInsurance = parseFloat(document.getElementById('preTaxHealthInsurance').value);
var preTaxOther = parseFloat(document.getElementById('preTaxOther').value);
var postTaxRoth = parseFloat(document.getElementById('postTaxRoth').value);
// Validate inputs
if (isNaN(grossPay) || grossPay < 0) {
document.getElementById('result').innerHTML = 'Please enter a valid Gross Pay.';
return;
}
if (isNaN(federalDependents) || federalDependents < 0) federalDependents = 0;
if (isNaN(additionalFederalWithholding) || additionalFederalWithholding < 0) additionalFederalWithholding = 0;
if (isNaN(mnExemptions) || mnExemptions < 0) mnExemptions = 0;
if (isNaN(additionalMnWithholding) || additionalMnWithholding < 0) additionalMnWithholding = 0;
if (isNaN(preTax401k) || preTax401k < 0) preTax401k = 0;
if (isNaN(preTaxHealthInsurance) || preTaxHealthInsurance < 0) preTaxHealthInsurance = 0;
if (isNaN(preTaxOther) || preTaxOther < 0) preTaxOther = 0;
if (isNaN(postTaxRoth) || postTaxRoth annualGrossPay) {
annualPreTaxDeductions = annualGrossPay;
}
var annualTaxableGross = annualGrossPay – annualPreTaxDeductions;
// — FICA Taxes (Social Security & Medicare) —
var socialSecurityRate = 0.062;
var socialSecurityWageBase = 168600; // 2024
var medicareRate = 0.0145;
var annualMedicareSurchargeThreshold = 200000; // Single/HoH
if (federalFilingStatus === 'married') {
annualMedicareSurchargeThreshold = 250000; // Married Filing Jointly
}
var medicareSurchargeRate = 0.009;
var annualSocialSecurityTax = Math.min(annualTaxableGross, socialSecurityWageBase) * socialSecurityRate;
var annualMedicareTax = annualTaxableGross * medicareRate;
// Additional Medicare Tax
if (annualTaxableGross > annualMedicareSurchargeThreshold) {
annualMedicareTax += (annualTaxableGross – annualMedicareSurchargeThreshold) * medicareSurchargeRate;
}
var annualFicaTax = annualSocialSecurityTax + annualMedicareTax;
// — Federal Income Tax —
var federalStandardDeduction;
var federalDependentCreditPerChild = 2000; // For children under 17
var federalTaxableIncome = annualTaxableGross;
var federalTax = 0;
// Standard Deductions (2024)
if (federalFilingStatus === 'single') {
federalStandardDeduction = 14600;
} else if (federalFilingStatus === 'hoh') {
federalStandardDeduction = 21900;
} else { // Married Filing Jointly
federalStandardDeduction = 29200;
}
// Reduce taxable income by standard deduction
federalTaxableIncome = Math.max(0, federalTaxableIncome – federalStandardDeduction);
// Federal Tax Brackets (2024)
var federalBrackets;
if (federalFilingStatus === 'single' || federalFilingStatus === 'hoh') {
federalBrackets = [
{ rate: 0.10, cap: 11600 },
{ rate: 0.12, cap: 47150 },
{ rate: 0.22, cap: 100525 },
{ rate: 0.24, cap: 191950 },
{ rate: 0.32, cap: 243725 },
{ rate: 0.35, cap: 609350 },
{ rate: 0.37, cap: Infinity }
];
} else { // Married Filing Jointly
federalBrackets = [
{ rate: 0.10, cap: 23200 },
{ rate: 0.12, cap: 94300 },
{ rate: 0.22, cap: 201050 },
{ rate: 0.24, cap: 383900 },
{ rate: 0.32, cap: 487450 },
{ rate: 0.35, cap: 731200 },
{ rate: 0.37, cap: Infinity }
];
}
var remainingTaxable = federalTaxableIncome;
for (var i = 0; i 0 ? federalBrackets[i-1].cap : 0);
var taxableInBracket = Math.min(remainingTaxable, bracket.cap – lowerBound);
if (taxableInBracket > 0) {
federalTax += taxableInBracket * bracket.rate;
remainingTaxable -= taxableInBracket;
}
if (remainingTaxable <= 0) break;
}
// Apply federal dependent credits (simplified: assume all are child credits)
var federalCredits = federalDependents * federalDependentCreditPerChild;
federalTax = Math.max(0, federalTax – federalCredits);
// Add additional federal withholding
federalTax += additionalFederalWithholding * payFrequency;
federalTax = Math.max(0, federalTax); // Ensure tax isn't negative
// — Minnesota State Income Tax —
var mnStandardDeduction;
var mnPersonalExemptionCreditAmount = 4900; // 2024 estimate per exemption
var mnTaxableIncome = annualTaxableGross;
var mnTax = 0;
// MN Standard Deductions (2024 estimate based on 2023 indexed)
if (mnFilingStatus === 'single') {
mnStandardDeduction = 13825; // 2023 Single/Married Filing Separately
} else if (mnFilingStatus === 'hoh') {
mnStandardDeduction = 20575; // 2023 Head of Household
} else { // Married Filing Jointly
mnStandardDeduction = 27650; // 2023 Married Filing Jointly
}
// Reduce taxable income by standard deduction
mnTaxableIncome = Math.max(0, mnTaxableIncome – mnStandardDeduction);
// MN Tax Brackets (2024 estimated)
var mnBrackets;
if (mnFilingStatus === 'single' || mnFilingStatus === 'hoh') {
mnBrackets = [
{ rate: 0.0535, cap: 31690 },
{ rate: 0.0680, cap: 104470 },
{ rate: 0.0785, cap: 180810 },
{ rate: 0.0985, cap: Infinity }
];
} else { // Married Filing Jointly
mnBrackets = [
{ rate: 0.0535, cap: 46410 },
{ rate: 0.0680, cap: 180810 },
{ rate: 0.0785, cap: 361620 },
{ rate: 0.0985, cap: Infinity }
];
}
var remainingMnTaxable = mnTaxableIncome;
for (var j = 0; j 0 ? mnBrackets[j-1].cap : 0);
var taxableInBracket = Math.min(remainingMnTaxable, bracket.cap – lowerBound);
if (taxableInBracket > 0) {
mnTax += taxableInBracket * bracket.rate;
remainingMnTaxable -= taxableInBracket;
}
if (remainingMnTaxable <= 0) break;
}
// Apply MN personal exemption credit
var totalMnExemptionCredit = mnExemptions * mnPersonalExemptionCreditAmount;
mnTax = Math.max(0, mnTax – totalMnExemptionCredit);
// Add additional MN withholding
mnTax += additionalMnWithholding * payFrequency;
mnTax = Math.max(0, mnTax); // Ensure tax isn't negative
// — Calculate Per-Period Values —
var perPeriodSocialSecurityTax = annualSocialSecurityTax / payFrequency;
var perPeriodMedicareTax = annualMedicareTax / payFrequency;
var perPeriodFederalTax = federalTax / payFrequency;
var perPeriodMnTax = mnTax / payFrequency;
var perPeriodPreTaxDeductions = annualPreTaxDeductions / payFrequency;
var perPeriodPostTaxDeductions = annualPostTaxDeductions / payFrequency;
var totalDeductions = perPeriodSocialSecurityTax + perPeriodMedicareTax + perPeriodFederalTax + perPeriodMnTax + perPeriodPreTaxDeductions + perPeriodPostTaxDeductions;
var netPay = grossPay – totalDeductions;
// Format results
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
});
var resultsHtml = '
Paycheck Summary ';
resultsHtml += '
Gross Pay: ' + formatter.format(grossPay) + ' per pay period';
resultsHtml += '
Net Pay: ' + formatter.format(netPay) + ' per pay period';
resultsHtml += '
Deductions: ';
resultsHtml += '
';
resultsHtml += 'Federal Income Tax: ' + formatter.format(perPeriodFederalTax) + ' ';
resultsHtml += 'MN State Income Tax: ' + formatter.format(perPeriodMnTax) + ' ';
resultsHtml += 'Social Security Tax: ' + formatter.format(perPeriodSocialSecurityTax) + ' ';
resultsHtml += 'Medicare Tax: ' + formatter.format(perPeriodMedicareTax) + ' ';
if (perPeriodPreTaxDeductions > 0) {
resultsHtml += 'Pre-Tax Deductions: ' + formatter.format(perPeriodPreTaxDeductions) + ' ';
}
if (perPeriodPostTaxDeductions > 0) {
resultsHtml += 'Post-Tax Deductions: ' + formatter.format(perPeriodPostTaxDeductions) + ' ';
}
resultsHtml += 'Total Deductions: ' + formatter.format(totalDeductions) + ' ';
document.getElementById('result').innerHTML = resultsHtml;
}
.calculator-container {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
background-color: #f9f9f9;
padding: 25px;
border-radius: 8px;
box-shadow: 0 4px 12px rgba(0, 0, 0, 0.08);
max-width: 700px;
margin: 20px auto;
border: 1px solid #e0e0e0;
}
.calculator-container h2, .calculator-container h3 {
color: #333;
text-align: center;
margin-bottom: 20px;
font-weight: 600;
}
.calculator-container h3 {
margin-top: 25px;
border-bottom: 1px solid #eee;
padding-bottom: 10px;
}
.calculator-container p {
color: #555;
line-height: 1.6;
margin-bottom: 15px;
}
.calc-input-group {
margin-bottom: 15px;
display: flex;
flex-direction: column;
}
.calc-input-group label {
margin-bottom: 7px;
color: #333;
font-weight: 500;
font-size: 15px;
}
.calc-input-group input[type="number"],
.calc-input-group select {
padding: 10px 12px;
border: 1px solid #ccc;
border-radius: 5px;
font-size: 16px;
color: #555;
width: 100%;
box-sizing: border-box; /* Include padding in width */
}
.calc-input-group input[type="number"]:focus,
.calc-input-group select:focus {
border-color: #007bff;
outline: none;
box-shadow: 0 0 0 3px rgba(0, 123, 255, 0.25);
}
button {
background-color: #007bff;
color: white;
padding: 12px 25px;
border: none;
border-radius: 5px;
font-size: 18px;
cursor: pointer;
transition: background-color 0.3s ease, transform 0.2s ease;
width: 100%;
margin-top: 20px;
font-weight: 600;
}
button:hover {
background-color: #0056b3;
transform: translateY(-1px);
}
button:active {
transform: translateY(0);
}
.calc-result {
margin-top: 30px;
padding: 20px;
background-color: #e9f7ef;
border: 1px solid #d4edda;
border-radius: 8px;
color: #155724;
}
.calc-result h3 {
color: #155724;
margin-top: 0;
text-align: left;
border-bottom: 1px solid #c3e6cb;
padding-bottom: 10px;
}
.calc-result h4 {
color: #155724;
margin-top: 15px;
margin-bottom: 10px;
}
.calc-result p {
margin-bottom: 8px;
font-size: 16px;
}
.calc-result ul {
list-style-type: none;
padding: 0;
margin-top: 10px;
}
.calc-result ul li {
margin-bottom: 5px;
padding-left: 0;
font-size: 15px;
color: #155724;
}
.calc-result ul li strong {
color: #0e3a17;
}
Understanding Your Minnesota Paycheck
Navigating your paycheck can sometimes feel like deciphering a complex code. This Minnesota Paycheck Calculator is designed to help you understand how your gross earnings are transformed into your net take-home pay, considering federal, state, and FICA taxes, as well as common deductions specific to Minnesota residents.
How Your Paycheck is Calculated
Your net pay is your gross pay minus all applicable deductions. These deductions typically fall into several categories:
Pre-Tax Deductions: These are amounts taken out of your pay before taxes are calculated. Common examples include contributions to a 401(k) or 403(b) retirement plan, health insurance premiums, and Flexible Spending Account (FSA) contributions. These deductions reduce your taxable income, meaning you pay less in federal and state income taxes.Federal Income Tax: This is withheld based on the information you provide on your W-4 form (filing status, dependents, additional withholding). The amount depends on your annual income and the current federal tax brackets.FICA Taxes (Social Security & Medicare):
Social Security: A flat rate of 6.2% on your earnings up to an annual wage base limit (e.g., $168,600 for 2024). This funds retirement, disability, and survivor benefits.Medicare: A flat rate of 1.45% on all your earnings, with no wage base limit. An additional 0.9% Medicare tax applies to earnings above certain thresholds ($200,000 for single filers, $250,000 for married filing jointly).
Minnesota State Income Tax: Minnesota has its own progressive income tax system with multiple brackets. The amount withheld depends on your MN filing status, income, and any exemptions claimed. Minnesota also offers a personal exemption credit which directly reduces your state tax liability.Post-Tax Deductions: These are taken out after all taxes have been calculated. Examples include Roth 401(k) contributions, union dues, or garnishments. These do not reduce your taxable income.
Key Factors Affecting Your MN Paycheck
Gross Pay & Pay Frequency: Your total earnings before any deductions, and how often you get paid (weekly, bi-weekly, semi-monthly, monthly).Federal W-4 Information: Your filing status (Single, Married Filing Jointly, Head of Household) and the number of dependents you claim significantly impact your federal tax withholding.Minnesota W-4MN Information: Similar to federal, your MN filing status and the number of exemptions you claim affect your state tax withholding.Pre-Tax Deductions: Contributions to health insurance, 401(k), or other pre-tax benefits reduce your taxable income, leading to lower tax withholding.Additional Withholding: You can elect to have extra federal or state tax withheld to avoid owing taxes at the end of the year.
Example Calculation Scenario (Bi-weekly Pay)
Let's consider an example for a Minnesota resident:
Gross Pay per Pay Period: $2,500 (Bi-weekly)Annual Gross Pay: $2,500 × 26 = $65,000Federal Filing Status: SingleFederal Dependents: 0Additional Federal Withholding: $0MN Filing Status: SingleMN Exemptions: 1Additional MN Withholding: $0Pre-Tax 401(k): $100 per pay period ($2,600 annually)Pre-Tax Health Insurance: $50 per pay period ($1,300 annually)Post-Tax Roth 401(k): $0
Step-by-Step Breakdown:
Annual Pre-Tax Deductions: $2,600 (401k) + $1,300 (Health) = $3,900Annual Taxable Gross: $65,000 – $3,900 = $61,100FICA Taxes:
Social Security: $61,100 × 6.2% = $3,788.20 annually / 26 = $145.70 per period
Medicare: $61,100 × 1.45% = $885.95 annually / 26 = $34.08 per period
Total FICA: $145.70 + $34.08 = $179.78 per period
Federal Income Tax:
Federal Taxable Income (after standard deduction): $61,100 – $14,600 (2024 Single Std. Ded.) = $46,500
Applying 2024 Single Brackets:
10% on $11,600 = $1,160
12% on ($46,500 – $11,600) = $34,900 × 0.12 = $4,188
Total Annual Federal Tax: $1,160 + $4,188 = $5,348
Federal Tax per Period: $5,348 / 26 = $205.69
Minnesota State Income Tax:
MN Taxable Income (after standard deduction): $61,100 – $13,825 (2024 MN Single Std. Ded. est.) = $47,275
Applying 2024 MN Single Brackets:
5.35% on $31,690 = $1,699.57
6.80% on ($47,275 – $31,690) = $15,585 × 0.068 = $1,059.78
Gross Annual MN Tax: $1,699.57 + $1,059.78 = $2,759.35
MN Personal Exemption Credit (1 exemption): $4,900 (This credit directly reduces tax liability.)
Annual MN Tax after credit: $2,759.35 – $4,900 = $0 (cannot be negative)
MN Tax per Period: $0 / 26 = $0.00
Total Deductions per Pay Period:
Federal Income Tax: $205.69
MN State Income Tax: $0.00
Social Security: $145.70
Medicare: $34.08
Pre-Tax Deductions: $100 (401k) + $50 (Health) = $150.00
Total: $205.69 + $0.00 + $145.70 + $34.08 + $150.00 = $535.47
Net Pay per Pay Period: $2,500 (Gross) – $535.47 (Total Deductions) = $1,964.53
Please note: This example uses simplified tax calculations and estimated 2024 figures. Actual withholding may vary based on specific W-4 elections, additional income, and other factors. Consult a tax professional for personalized advice.