Minnesota Investment Calculator

Calculate your after-tax investment returns in Minnesota including 10.85% state and 15% federal capital gains tax.

Tax considerations for Minnesota investors

Federal Capital Gains

0%, 15%, or 20% depending on your income bracket. This calculator uses the 15% middle bracket rate.

Minnesota State Tax

10.85% on capital gains (9.85% + 1% NIIT surtax).

Combined Rate

25.9% total (15% federal + 10.85% state).

Frequently Asked Questions

What is the capital gains tax rate in Minnesota?

Minnesota taxes capital gains at 10.85% (9.85% + 1% NIIT surtax). This is in addition to federal capital gains tax (0%, 15%, or 20%).

How is this calculator different from the federal calculator?

This calculator automatically adds Minnesota's 10.85% state capital gains tax on top of the 15% federal rate, giving you a more accurate after-tax projection.

What return rate should I expect?

Historical S&P 500 returns average 10% annually (7% after inflation). Use 7% for conservative estimates.

When do I pay capital gains tax?

You only pay when you sell. Long-term rates (shown here) apply to investments held over 1 year. Short-term gains are taxed as ordinary income.

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