NE, MN, UT, MT Paycheck Tax Guide 2025-26
Side-by-side take-home pay at $50K, $75K, $100K plus Montana's 2024 reform and Utah's credit advantage.
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Minnesota has the highest state income tax rate in the Midwest at 9.85%on income above $183,340 (single). Even in the lower brackets, Minnesota tax runs higher than neighboring states. Ohio's effective tax on a $100,000 salary is just $2,034, Minnesota's is $5,371. The gap widens as income rises, with a $200,000 earner paying roughly $12,700 more per year in Minnesota than in Ohio.
| Annual Salary | MN State Tax | Ohio State Tax | Colorado (4.40%) | MN Eff. Rate | MN vs OH Extra |
|---|---|---|---|---|---|
| $50,000 | $1,971 | $676 | $1,518 | 3.9% | +$1,295/yr |
| $65,000 | $2,991 | $1,071 | $2,218 | 4.6% | +$1,920/yr |
| $85,000 | $4,351 | $1,621 | $3,098 | 5.1% | +$2,730/yr |
| $100,000 | $5,371 | $2,034 | $3,758 | 5.4% | +$3,337/yr |
| $150,000 | $9,156 | $3,784 | $5,958 | 6.1% | +$5,372/yr |
| $200,000 | $14,082 | $5,284 | $8,158 | 7.0% | +$8,798/yr |
Single filers, no pre-tax deductions. Ohio applies its rate to gross wages; Minnesota and Colorado apply to income after the $14,600 standard deduction. Ohio effective rate at $200K includes 2.75% + 3.50% brackets.
Minnesota follows federal 401(k) treatment, traditional pre-tax contributions lower your Minnesota taxable income. Ohio does not give this benefit; Ohio taxes gross wages regardless of 401(k) contributions. In Minnesota, every dollar in a pre-tax 401(k) saves you both federal income tax and Minnesota state tax simultaneously. At the 6.80% Minnesota bracket, a $5,000 contribution saves $340 in state tax alone. At the top 9.85% bracket, the same $5,000 saves $493.
| Annual Salary | 6% Contribution | MN Bracket Hit | MN Tax Saved | Federal Tax Saved | Total Annual Savings |
|---|---|---|---|---|---|
| $50,000 | $3,000 | 6.80% | $204 | $360 | $564 |
| $65,000 | $3,900 | 6.80% | $265 | $468 | $733 |
| $100,000 | $6,000 | 6.80% | $408 | $1,320 | $1,728 |
| $120,000 | $7,200 | 7.85% | $559 | $1,584 | $2,143 |
| $150,000 | $9,000 | 7.85% | $707 | $2,160 | $2,867 |
| $200,000 | $12,000 | 9.85% | $1,182 | $2,880 | $4,062 |
Single filers. Federal savings based on marginal federal bracket at each income level. MN savings calculated at the marginal MN bracket the contribution falls into. Contribution capped at $23,500 (2025 IRS limit).
Researches and verifies the formulas, methodology, and source data behind each calculator on CalculatorFlux. All tools are built and checked against the cited references before publication.
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