Minnesota Earned Income Tax Credit Calculator
Figure basis: Official Minnesota Department of RevenueThe Minnesota earned income tax credit (EITC) is a state credit for working people with low to moderate income, set as set on the state's own schedule, not a percentage of your federal EITC. This calculator estimates your federal EITC from your earned income, filing status, and number of qualifying children using the IRS 2026 tables, then applies the Minnesota rule to give your state credit. The Minnesota credit is refundable. Enter your details to see both your estimated federal EITC and your Minnesota credit. Figures are an estimate: the IRS computes the federal credit from $50 income bands, so your exact credit may differ by a few dollars. The state percentage is sourced from Minnesota Department of Revenue and verified for 2026.
A single filer in Minnesota with 2 children earning $25,000 has an estimated federal EITC of $7,082.23. The Minnesota credit is set on Schedule M1CWFC, not a percentage of the federal credit; use the Minnesota Department of Revenue worksheet for the exact Minnesota amount.
How the Minnesota EITC works
The Minnesota credit is built on the federal EITC. First the federal credit is found from your earned income, filing status, and qualifying children (it phases in, plateaus at a maximum, then phases out as income rises). Then Minnesota applies set on the state's own schedule, not a percentage of your federal EITC. The Minnesota credit is refundable, so if it is larger than the state tax you owe, you receive the difference as a refund.
federal EITC = phase-in, plateau, then phase-out per the IRS 2026 tables
Minnesota EITC = Schedule M1CWFC, not a multiple of the federal EITC; see the Minnesota Department of Revenue
Minnesota is not a simple percentage
Minnesota is the state most likely to defeat a percentage-based mental model. It does not multiply your federal EITC by a fixed rate. Instead it runs its own Working Family Credit, which since the 2023 tax law is computed on Schedule M1CWFC alongside the state Child Tax Credit of $1,750 per child under 18, all under a single combined phase-out. The Working Family Credit itself is roughly 4% of your first $9,480 of earned income, capped near $379, with additional amounts layered on for one, two, or three or more qualifying children.
Because the final figure depends on your children's ages, your filing status, and how the two credits interact, it cannot be reproduced faithfully from earned income and a child count alone. That is why the tool shows your federal EITC as an anchor and then links the Minnesota Department of Revenue worksheet for the exact state amount, rather than printing an approximation that could be off by hundreds of dollars.
One practical note: the figures currently reflect the 2025 tax year, because Minnesota had not published its 2026 amounts at the time of review. The credit is refundable, so a qualifying family with little or no state tax liability still receives it as a payment. If you are comparing Minnesota with a flat-percentage state such as Wisconsin or Michigan, treat the two as different systems rather than different rates.
Minnesota EITC: frequently asked questions
How much is the Minnesota earned income tax credit?
The Minnesota EITC is set on the state's own schedule, not a percentage of your federal EITC. For example, a single filer with 2 children earning $25,000 has an estimated federal EITC of $7,082.23, and the Minnesota credit is set on Schedule M1CWFC (use the Minnesota Department of Revenue worksheet for the exact amount). Enter your own details above for your figure.
Is the Minnesota EITC refundable?
The Minnesota credit is refundable, so if it is larger than the state tax you owe, you receive the difference as a refund.
Do I qualify for the Minnesota earned income credit?
Generally, if you qualify for the federal EITC you also qualify for the Minnesota credit, which is based on it. You need earned income, a valid Social Security number, and investment income under the federal limit ($12,200 for 2026). Since 2023 the Working Family Credit is computed on Schedule M1CWFC together with the Child Tax Credit ($1,750 per child under 18) under a single phase-out, so the amount depends on children's ages and filing status. Because that needs inputs beyond earned income and a single child count, this page shows your federal EITC and links the Minnesota Department of Revenue worksheet for the exact amount rather than approximating it (tax year 2025 figures; 2026 not yet published).
How is the Minnesota EITC calculated?
First your federal EITC is computed from your earned income, filing status, and number of qualifying children using the IRS 2026 tables. Then Minnesota applies set on the state's own schedule, not a percentage of your federal EITC. This calculator does both steps for you.
Official sources
- Minnesota EITC percentage and refundability: Minnesota Department of Revenue, as at Jul 15, 2026.
- Federal EITC 2026 parameters: IRS Rev. Proc. 2025-32, Internal Revenue Service.
Reviewed by the CalculatorHub team, edited by James Graham, 15 July 2026. See our methodology. General information, not tax advice; your exact credit is set on your tax return.