$10.50 an hour after taxes in Minnesota
$10.50 an hour is $21,840 a year before tax at 40 hours a week. After 2026 federal, FICA and Minnesota taxes:
You keep
$19,147
a year after taxes
- Every two weeks
- $736
- A month
- $1,596
- Effective tax rate
- 12.3%
MN Income tax rates from 5.35% to 9.85%
| Line | Every two weeks | Year |
|---|---|---|
GROSS Gross pay |
$840.00 | $21,840.00 |
FED Federal income tax |
-$22.08 | -$574.00 |
OASDI Social Security tax |
-$52.08 | -$1,354.08 |
MED Medicare tax |
-$12.18 | -$316.68 |
ST Minnesota income tax |
-$13.56 | -$352.57 |
PFML Minnesota Paid Leave (employee share, new 1 Jan 2026) |
-$3.70 | -$96.10 |
NET Take-home pay | $736.41 | $19,146.58 |
$10.50 an hour per paycheck, month and day in Minnesota
| Period | Gross | Taxes | Take-home |
|---|---|---|---|
| Year | $21,840 | -$2,693 | $19,147 |
| Month | $1,820 | -$224 | $1,596 |
| Every two weeks | $840 | -$104 | $736 |
| Week | $420 | -$52 | $368 |
| Day | $84 | -$10 | $74 |
Biweekly means 26 paychecks a year. A day is one of 260 working days (five a week). "Taxes and deductions" includes every line on the stub above.
If you work more or fewer hours
| Hours a week | Yearly gross | Yearly take-home |
|---|---|---|
| 20 | $10,920 | $10,037 |
| 25 | $13,650 | $12,546 |
| 30 | $16,380 | $14,966 |
| 35 | $19,110 | $17,056 |
| 40 | $21,840 | $19,147 |
| 45 (5 overtime) | $25,935 | $22,418 |
| 50 (10 overtime) | $30,030 | $25,690 |
From 2026, federal income tax exempts the overtime premium (the extra half of time-and-a-half) up to $12,500 a year for single filers. Social Security, Medicare and Minnesota tax still apply to it in this estimate.
What $10.50 an hour affords in Minnesota
- Rent at 30% of gross pay
- $546 a month
- Needs (50% of take-home)
- $798 a month
- Wants (30%)
- $479 a month
- Savings and debt (20%)
- $319 a month
The 30% rule is the benchmark HUD uses for housing cost burden. The 50/30/20 split applies to the $1,596 monthly take-home figure above.
How Minnesota compares
Minnesota's rates run from 5.35% to 9.85%, and your last dollar here is taxed at 5.35%. On $10.50 an hour ($21,840 a year) the state takes $353 in income tax (1.6% of gross) plus $96 in required state payroll contributions (Minnesota Paid Leave (employee share, new 1 Jan 2026)), the 36th lowest of 51 jurisdictions.
| State | State taxes | Take-home a year |
|---|---|---|
| Minnesota | $449 | $19,147 |
| Iowa | $178 | $19,417 |
| North Dakota | $0 | $19,595 |
| South Dakota | $0 | $19,595 |
| Wisconsin | $259 | $19,337 |
| California | $343 | $19,252 |
| Texas | $0 | $19,595 |
Questions people ask about $10.50 an hour in Minnesota
How much is $10.50 an hour a year after taxes in Minnesota?
Working 40 hours a week for 52 weeks, $10.50 an hour is $21,840 before tax. After $574 federal income tax, $1,671 Social Security and Medicare, and $449 in Minnesota state taxes, you take home $19,147 a year as a single filer in 2026.
How much is $10.50 an hour biweekly after taxes in Minnesota?
$10.50 an hour is $840 gross every two weeks. After taxes a biweekly paycheck comes to about $736.
$10.50 an hour is how much a month?
$10.50 an hour is $1,820 a month before tax and about $1,596 after tax in Minnesota, averaged over 12 months.
How much rent can I afford on $10.50 an hour?
The 30% rule puts rent at $546 a month on $1,820 gross. Budgeting from take-home pay with 50/30/20, all needs including rent get $798.
How much is $10.50 an hour with overtime in Minnesota?
At 50 hours a week (10 hours at $15.75), you earn $30,030 a year and keep $25,690. The 2026 federal overtime deduction takes $2,730 of overtime premium out of federal taxable income; Social Security and Medicare still apply.
How much Minnesota state tax comes out of $10.50 an hour?
$353 a year, or $14 per biweekly paycheck, in Minnesota income tax, plus $96 a year in state payroll contributions. Local income taxes, where they exist, are not included.
Try your own numbers
Sources and assumptions
Tax year 2026. Annual tax for a filer with no dependents, no other income and no credits, working 52 weeks. Hours over 40 a week are paid at 1.5×. Local income taxes are not included. How we calculate.
- IRS Revenue Procedure 2025-32: federal brackets and standard deduction (retrieved 2026-09-26)
- Social Security Administration: 2026 wage base; IRS: Medicare and Additional Medicare Tax
- Minnesota tax source (retrieved 2026-09-26; some 2026 amounts projected until the state publishes them, see the data notes)