Minnesota State Income Tax Guide (2026)
Minnesota's 9.85% top state rate kicks in at $193,240 of single taxable income — one of the more aggressive thresholds for a high top rate in the country. The combination of 4 progressive brackets, a $3M state estate tax exemption, and partial Social Security taxation makes MN appreciably more expensive than its Midwest peers. The offsets: Twin Cities Fortune 500 density (UnitedHealth, Target, 3M, US Bancorp, Best Buy, Medtronic, Ecolab, General Mills), the K-12 Education Subtraction, the 2023 expansion of the SS subtraction, and MN-WI reciprocity reinstated in 2024.
Top State Rate
9.8%
$100k Take-Home
$73,903
/year (single)
State Tax on $100k
$5,277
single filer
Minnesota Income Tax Brackets (2026)
| Marginal Rate | Taxable Income (Single Filer) |
|---|---|
| 5.35% | $0→$33,310 |
| 6.8% | $33,310→$109,430 |
| 7.85% | $109,430→$203,150 |
| 9.85% | $203,150→Above $203,150 |
Each rate applies only to income within that bracket. Your effective rate is the average across all brackets — noticeably lower than your top marginal rate.
Standard deduction: $15,000 single / $30,000 married filing jointly
Brackets reflect the most recently published schedules. Some states inflation-index thresholds annually — specific 2026 amounts may shift slightly. Verify with your state's Department of Revenue before filing.
Want exact numbers for your situation?
The dedicated Minnesota paycheck calculator lets you adjust salary, filing status (single, MFJ, HOH, MFS), 401(k) and HSA contributions, dependents for your exact 2026 take-home figure.
The 30-second version
- 1.MN has 4 progressive brackets: 5.35% / 6.8% / 7.85% / 9.85%. The 9.85% top kicks in at $193,240 of single taxable income — among the more aggressive thresholds for a high top rate in the country, dramatically earlier than CA (13.3% at $1M+) or NY (10.9% at $25M+). Standard deduction matches federal closely ($15,000 single / $30,000 for 2026).
- 2.Twin Cities economy is unusually deep for a Midwest metro. UnitedHealth Group (Minnetonka — Fortune #5), Target (Minneapolis), 3M (Maplewood), US Bancorp, Best Buy (Richfield), Medtronic, Ecolab, General Mills (Golden Valley), Cargill (private, Wayzata), Land O'Lakes, Polaris, Securian Financial all headquartered here. The job market depth partially offsets the higher tax rates.
- 3.MN partially taxes Social Security — one of about 10 remaining states. The 2023 Minnesota Tax Conformity Act expanded the SS subtraction dramatically: for 2026, single filers under $82K and under $105K can fully exempt SS. Higher-income retirees pay MN tax on a portion. This is the structural reform that moved MN from retirement-unfriendly toward moderate over the past two years.
- 4.MN-WI reciprocity reinstated in 2024 after decades of suspension — a major change for the Twin Cities cross-river commuter population. WI residents working in MN file Form MWR with their MN employer; only WI tax withholds. Same in reverse. Eliminates the prior need to file two state returns plus credit reconciliation.
- 5.State estate tax with $3M exemption — much lower than federal $15M+ under . MN-resident estates between $3M and $15M owe state estate tax even though they escape federal. Rates 13-16% above the threshold. Real HNW consideration, especially compared to WI (no estate tax) and ND/SD/IA (no estate tax).
- 6.K-12 Education Subtraction is unusually generous — up to $1,625 per K-6 child / $2,500 per 7-12 child for qualified school expenses (tutoring, instructional materials, transportation, music lessons related to school). Plus a separate K-12 Education Credit for lower-income filers. Often missed on self-prepared returns.
A quick hello before we start
Whether you're reading this from a Surly Brewing patio, the Minnesota State Fair butter-cow line, or somewhere on the North Shore with the loons calling — this is the last MN-tax page you should need this year. Nothing here is personal tax, legal, or financial advice. Your situation has wrinkles only your CPA can iron out — treat this like a thoughtful friend over a Surly Furious, not your accountant.
Last reviewed: May 2026 · Reviewed annually each January when new brackets publish
Why you can trust these numbers
Numbers reflect 2026 IRS federal brackets per Rev. Proc. 2025-32, caps per the SSA October 2025 notice, and the current Minnesota Department of Revenue progressive bracket schedule (5.35% / 6.8% / 7.85% / 9.85%). The calculator at the top models the full MN bracket schedule. Standard deduction $15,000 single / $30,000 for 2026 (matches federal).
Social Security subtraction thresholds for 2026 (single $82K, AGI $105K full exemption with phase-out above) are modeled if filing age is set to 65+. The K-12 Education Subtraction and MN estate tax mechanics are not modeled — add manually for accurate combined picture. Reviewed annually each January.
Sources: federal brackets + standard deduction from IRS Rev. Proc. 2025-32; state brackets verified against the Tax Foundation 2026 State Income Tax Rates compilation and the official Form M1 Individual Income Tax Forms (MN Department of Revenue).
The brackets — aggressive thresholds for a high top rate
Minnesota's progressive structure is among the more aggressive in the Midwest at the high end. The top 9.85% rate kicks in at $193,240 of single taxable income (roughly $321K ) — a meaningful jump from peers and dramatically earlier than the 9%+ rates in CA (13.3% at $1M+), NY (10.9% at $25M+), or NJ (10.75% at $1M+). MN's 7.85% bracket runs from $104K to $193K, which is where many upper-middle Twin Cities professionals actually pay.
Compared to direct Midwest neighbors: WI top 7.65% kicks in at $304K, IL flat 4.95%, IA flat 3.8% (post-HF 2317), IN flat 2.95%. MN sits well above its peers at most professional income levels. The structural offset is the unusually deep Twin Cities Fortune 500 cluster, which generally pays compensation premiums of 5-15% versus peer Midwest metros for equivalent professional roles.
Standard deduction matches federal closely at $15,000 single / $30,000 for 2026. The personal exemption was eliminated in the 2018 federal conformity update. So MN taxable income is essentially federal taxable income for standard-deduction filers, then taxed through the bracket schedule. No state-specific add-backs of consequence for most workers.
The 2024 MN-WI reciprocity restoration + the Fortune 500 cluster
Minnesota and Wisconsin restored their wage-tax reciprocity in 2024 after decades of suspension (the agreement had been in place from 1968 until being terminated by MN in 2009 over revenue-sharing disputes). For 16 years, Twin Cities cross-river commuters between MN and WI had to file two state returns and reconcile via the credit-for-tax-paid-to-other-state mechanism — a real friction that affected hundreds of thousands of households in the Hudson WI, River Falls WI, Somerset WI, and St. Croix Falls WI commuter belt.
Under the restored 2024 agreement, WI residents working in MN file Form MWR with their MN employer; the MN employer withholds WI tax (not MN tax). They file only a WI resident return. The reverse works the same way — MN residents working in WI file the equivalent form with the WI employer. This is the cleanest interstate cross-border setup in the Midwest, restored after a long absence and saving real money plus filing complexity for the cross-river commuter population.
The Twin Cities Fortune 500 density is the structural anchor that makes MN's high rates more bearable than they otherwise would be. UnitedHealth Group (Fortune #5, ~400K employees), Target (Fortune #36), 3M (Fortune #103), US Bancorp, Best Buy, Medtronic, Ecolab, General Mills, Hormel (Austin MN), Cargill (private — would rank top-10 if public), Land O'Lakes, Polaris, Securian Financial, Travelers. Plus the Mayo Clinic system in Rochester. Compensation in MN-based roles generally runs 5-15% higher than equivalent positions in Cleveland, Indianapolis, or Kansas City for the same level — which materially offsets the higher state tax bite.
What you'll actually pay — four real-life scenarios
Four scenarios that cover most readers. Find the one closest to you. If none match, the calculator at the top is for you.
Illustrative numbers — single filer unless noted, federal standard deduction (matches MN), full-year MN residency, W-2 income unless specified. Two-earner MFJ households pay more FICA than the calculator shows because each spouse has their own Social Security cap. Ballparks, not invoices.
Scenario 1: Rochester Mayo Clinic professional, $85,000
| Federal income tax | ~$10,400 |
| Minnesota state income tax | ~$4,250 |
| FICA (Social Security + Medicare) | ~$6,500 |
| Total taxes | ~$21,150 |
| Annual take-home | ~$63,850 |
| Effective MN tax rate | ~5.0% |
Mayo Clinic mid-career professional — nurse, advanced practitioner, lab tech, research staff, or administrative coordinator. Rochester is functionally a one-employer town (Mayo employs roughly one in three working-age Rochester residents). Same comp in WI: ~$3,700 WI tax — WI saves about $550. Same in IA (3.8% flat post-HF 2317): ~$3,150 — IA saves about $1,100. MN's higher rate is the structural cost of Mayo's location, partially compensated by lower Rochester housing (median home ~$280K vs Twin Cities suburbs $400K+). The healthcare-cluster job market depth is real even at the smaller Rochester scale.
Scenario 2: Twin Cities healthcare professional, $105,000
| Federal income tax | ~$13,800 |
| Minnesota state income tax | ~$5,550 |
| FICA (Social Security + Medicare) | ~$8,000 |
| Total taxes | ~$27,350 |
| Annual take-home | ~$77,650 |
| Effective MN tax rate | ~5.3% |
Twin Cities healthcare professional — UnitedHealth Group corporate, Allina Health, HealthPartners, Children's Minnesota, M Health Fairview, or one of the dozens of large medical practices. Same comp in WI: ~$5,000 — WI saves about $550. Same in IL: ~$4,925 — IL saves about $625. MN sits appreciably above its Midwest peers at this comp tier, but the Twin Cities healthcare cluster (anchored by UnitedHealth's massive corporate presence and the multi-system competition) commands wages 8-12% above equivalent roles in lower-tax Midwest metros. The wage premium roughly offsets the MN tax delta.
Scenario 3: Minneapolis tech / corporate professional, $175,000
| Federal income tax | ~$30,800 |
| Minnesota state income tax | ~$10,800 |
| FICA (Social Security + Medicare) | ~$13,400 |
| Total taxes | ~$55,000 |
| Annual take-home | ~$120,000 |
| Effective MN tax rate | ~6.2% |
Target HQ senior, Best Buy corporate, US Bancorp senior, Code42, Workday Minneapolis, or one of the growing Twin Cities fintech and SaaS operations. At this comp tier the bulk of income is in MN's 7.85% bracket with the top dollars hitting 9.85%. Same comp in WI: ~$8,400 — WI saves about $2,400. Same in CA (Bay Area peer): ~$15,400 — MN actually saves $4,600 versus CA, and Minneapolis housing is dramatically cheaper. The MN-vs-WI delta is real but smaller than the MN-vs-coast advantage. Twin Cities tech professionals tend to stay because the after-tax-after-housing math beats coastal peers even with MN's 9.85% bracket in play.
Scenario 4: Twin Cities retiree household, $115,000 (MFJ, both 67+)
| Federal income tax | ~$8,200 |
| Minnesota state income tax (with 2023 SS subtraction reform) | ~$3,500 |
| Social Security ($45K) | $0 MN tax under $105K MFJ AGI (full exemption) |
| Pension income ($40K) + IRA distribution ($30K) | Taxable at MN brackets |
| FICA (no longer applicable on retirement income) | Minimal |
| Total taxes | ~$11,700 |
| Effective MN tax rate on retirement income | ~3.0% |
Twin Cities retiree household with mixed Social Security + pension + IRA income. The 2023 Minnesota Tax Conformity Act expanded SS subtraction is the structural reform that makes this work — under the prior pre-2023 rules, the same household would have paid roughly $1,500-$2,500 more in MN state tax annually on Social Security. The full SS exemption applies because is under $105K. The remaining $70K of pension + IRA is taxed at MN's progressive brackets. Compared to MN's reputation as 'retirement-unfriendly,' the post-2023 setup is appreciably more competitive — especially when combined with MN's moderate property tax and the lifestyle premium of summer-lake living.
Got the number you came for? Open the calculator at the top to run your specific salary. Or keep reading — the property tax section, K-12 Education Subtraction mechanics, and the $3M estate tax considerations are where the underrated half of Minnesota's tax story actually lives.
Open Minnesota calculator →Property tax + the $3M state estate tax exemption
Minnesota property tax statewide effective average is about 1.0% on market value — moderate, near the national average of 1.10%. The structural setup is a state-set school-funding mechanism combined with local property tax for non-school services, producing rates that vary by county and school district but don't reach the punishing levels of Iowa or New Jersey.
Approximate effective rates by county on a primary residence: Hennepin (Minneapolis + western suburbs) 1.0-1.3%, Ramsey (St. Paul) 1.1-1.4%, Dakota (south metro) 0.9-1.1%, Anoka (north metro) 0.95-1.15%, Washington (east metro) 1.0-1.2%, Olmsted (Rochester) 1.0-1.2%, St. Louis (Duluth) 1.0-1.2%, Greater Minnesota rural counties 0.7-1.0%. Edina, Wayzata, Plymouth, and other premium Twin Cities suburbs run at the high end of Hennepin County's range with school districts that consistently rank among the best in the country.
Minnesota's $3 million state estate tax exemption is the structural HNW consideration that most relocation calculators miss. The federal estate tax exemption sits at $15M+ for 2026 under — so MN-resident estates between $3M and $15M owe MN state estate tax (13-16% on the amount above $3M) even though they escape federal estate tax entirely. A $5M MN estate pays approximately $260K in state estate tax that would be zero in WI, IA, ND, or SD. This is the reason a meaningful share of MN HNW retirees with appreciated farmland or businesses establish residency in WI or FL before death. Estate-planning attention (living trusts, gifting strategies, life-insurance-funded liquidity) becomes relevant much earlier in MN than in $5M+ exemption states.
On top of the annual mill, Minnesota does not levy a real estate transfer tax (a friendlier closing structure than NJ, NY, or DC). The cap raise to $25K softens the deductibility hit on the annual property tax bill for high earners.
Things financially comfortable Minnesotans actually do
If you're earning $100K+ in MN and you're not doing most of these, you may be leaving real money on the table. None of this is exotic. Most of it is 30 minutes of setup once a year and discipline the rest of the year.
- Max your ($24,500 in 2026, $32,500 if 50+) — pre-tax for federal AND MN. At MN's 7.85-9.85% top brackets stacked on federal 22-32%, every pre-tax dollar is worth noticeably more than the take-home equivalent. A $175K Twin Cities filer maxing the 401(k) saves ~$5,400 federal + ~$1,900 MN = ~$7,300 in combined annual tax.
- Max your if you have a qualifying high-deductible plan ($4,400 single / $8,750 family in 2026) — pre-tax for federal AND MN. Most large MN employers (UnitedHealth, Target, 3M, US Bancorp, Best Buy, Mayo Clinic, Medtronic) offer options.
- Backdoor Roth IRA + if your employer's supports after-tax contributions with in-plan conversions — UnitedHealth, Target, US Bancorp, Best Buy corporate, Medtronic, and most large MN employers support some version. Can shelter another $40K-$45K annually beyond the $24,500 employee deferral.
- K-12 Education Subtraction — up to $1,625 per K-6 child / $2,500 per 7-12 child for qualified school expenses (tutoring, instructional materials beyond what schools provide, music lessons related to school, computer hardware/software, transportation to school activities). Documentation is required. Often missed by self-prepared returns; worth $80-$250 per child in MN tax saved at typical brackets, refundable as a credit for lower-income families.
- MNSAVES (529) — MN offers a state-tax deduction up to $1,500 single / $3,000 for contributions to MN's 529 plan, OR a non-refundable credit of 50% of contributions up to $500 single / $1,000 MFJ depending on which produces a larger benefit. The mechanics are unusual; verify with a CPA which path applies to your specific filing.
- Social Security subtraction optimization — for retirees near the threshold ($82K single / $105K for full exemption), small adjustments to the timing of IRA / withdrawals can preserve the full SS subtraction. Withdrawing strategically (Roth conversions in low-income years, bunching withdrawals when SS subtraction is already partially phased out) can save $500-$3,000/year of MN tax.
- Estate planning if your estate exceeds $3M — the $3M MN state estate tax exemption is much lower than federal. For a $5M estate, the state-level tax is roughly $260K above what a WI, IA, ND, or SD resident would pay. Living trusts, lifetime gifting (under the federal $19K annual exclusion or $38K split-gift), and life-insurance-funded liquidity are all worth specific MN-resident attention.
If you're doing only one thing on this list, start with the . At MN's 7.85-9.85% top brackets, the combined federal + MN savings on a maxed 401(k) runs $7,000-$9,000/year for typical professional incomes. If you have school-age kids, the K-12 Education Subtraction is the easiest credit most filers miss.
Real questions people actually ask
Q: Does Minnesota really tax Social Security?
Partially, but the 2023 reforms dramatically expanded the exemption. The Minnesota Tax Conformity Act of 2023 raised the SS subtraction thresholds significantly: for 2026, single filers under $82K and under $105K can fully subtract SS from MN taxable income. Above those thresholds, the subtraction phases out gradually. Most middle-income retirees end up paying $0 MN tax on Social Security. High-income retirees with $150K+ in non-SS income still pay MN tax on most of their SS. MN is one of about 10 states retaining any SS taxation — but post-2023, the state is appreciably more retirement-friendly than its reputation suggests.
Q: How does MN compare to WI for tax?
MN's top rate (9.85%) is higher than WI's (7.65%), and MN's threshold is much lower ($193K vs WI's $304K). At a $80K single income, MN pays ~$4,000 and WI pays ~$3,500 — WI saves $500. At $200K single, MN pays ~$13,500 and WI pays ~$10,500 — WI saves $3,000. At $400K, the gap widens further. WI generally beats MN at most income levels above ~$80K. The MN-WI reciprocity reinstated in 2024 makes cross-river commuting clean. But the Twin Cities Fortune 500 density (UnitedHealth, Target, 3M, US Bancorp, etc.) commands compensation premiums of 5-15% versus equivalent Madison or Milwaukee roles — which often offsets the MN-vs-WI tax delta in absolute take-home terms.
Q: I work in MN but live in WI. Who taxes my income?
WI, under the MN-WI reciprocity agreement reinstated in 2024 (the agreement had been suspended since 2009 over revenue-sharing disputes). As a WI resident working in MN, file Form MWR with your MN employer to ensure WI tax (not MN tax) is withheld on your paycheck. You file a normal WI resident return covering all income; no MN return needed for the wages. The reverse works the same way for MN residents working in WI. This eliminates the prior need to file two state returns and claim a credit. Major welcome change for the Twin Cities-Hudson WI and Twin Cities-River Falls WI commuter populations, which had been filing dual returns since 2009.
Q: What's the K-12 Education Subtraction?
Minnesota allows a subtraction (or refundable credit for lower-income filers) of up to $1,625 per K-6 child or $2,500 per 7-12 child for qualified educational expenses. Qualifying expenses include: tutoring, music lessons related to school, instructional materials beyond what schools provide, computer hardware and software for school use, fees for school-sponsored academic activities, transportation to school activities, and certain test prep. Above a certain income threshold, the benefit shifts from subtraction to a separate refundable credit. Documentation is required (receipts, records of educational purpose). Often missed by self-prepared returns. Worth about $80-$250 per child in MN tax saved at typical professional brackets; for lower-income families the refundable credit path can return $1,000+ per child.
Our honest opinion (which is just an opinion)
Quick disclaimer before we get on the soapbox: what follows is one writer's perspective after reading a lot of tax data and talking to a lot of Minnesotans. You're encouraged to disagree.
Minnesota is appreciably more expensive than its Midwest peers tax-wise. The 9.85% top rate kicking in at $193K and the $3M state estate tax exemption are the two structural features that make MN financially heavier than WI, IL, IA, IN, or the Dakotas at most professional income levels. The trade-off is genuine and unusually concrete: the deepest Fortune 500 cluster of any non-coastal metro (Twin Cities), excellent public schools in premium suburbs, well-funded parks and cultural institutions, the 2023 SS subtraction expansion that appreciably softened the retiree tax pain, and the 2024 MN-WI reciprocity restoration that cleaned up cross-river commuting.
The case for staying in (or moving to) Minnesota:
- +Twin Cities Fortune 500 density is unusually deep — UnitedHealth, Target, 3M, US Bancorp, Best Buy, Medtronic, Ecolab, General Mills, Cargill, Land O'Lakes — typically commands 5-15% compensation premium over peer Midwest metros
- +Standard deduction matches federal closely — clean conformity
- +K-12 Education Subtraction is genuinely generous (up to $1,625-$2,500 per child)
- +2023 SS subtraction reforms made MN appreciably more retirement-friendly than its reputation
- +MN-WI reciprocity reinstated 2024 — clean cross-border commuting
- +Cost of living dramatically cheaper than coastal alternatives — Twin Cities median home $400K vs SF $1.5M or Seattle $850K
- +Strong public schools (Edina, Wayzata, Eden Prairie, Minnetonka, Plymouth), parks system, lakes, summer arts
The case against:
- −Top 9.85% rate kicks in at just $193K single — catches more upper-middle professionals than peer high-tax states
- −MN partially taxes Social Security for higher-income retirees (post-2023 phase-out above $82K single / $105K )
- −$3M state estate tax exemption is appreciably lower than federal $15M+ — real HNW consideration
- −Property tax above national average in premium Twin Cities suburbs (Edina, Wayzata 1.2-1.3% effective)
- −Winters are real and long — January average highs in the teens, occasional -20°F mornings
Honest take: if you're a Twin Cities professional under $193K, MN is moderate-to-high — the bulk of income is in the 6.8-7.85% range, and the lifestyle dividend of well-funded schools, parks, and the Fortune 500 wage premium is real. Above $193K, the 9.85% top bracket is appreciable — comparable to NY or CA effective rates without either coast's geographic premium. For retirees, post-2023 reforms make MN appreciably more competitive than it was — especially under $105K where the SS exemption is full. For HNW families with $3M+ in assets, the state estate tax is a real consideration that warrants specific planning attention. If you're considering moving here for a Fortune 500 role, the wage premium usually compensates for the tax delta versus WI or IA peers; below $90K it's a closer call.
Either way: it's your life and your money. We just want you to look at the whole picture instead of the loudest part of it.
What now
Run your numbers in the calculator above. The MN state line models the full bracket schedule plus the SS subtraction for 65+ filers if filing age is set.
If you're a parent with school-age kids, claim the K-12 Education Subtraction on your MN return — documentation required (receipts, records of educational purpose). The subtraction or credit can be worth $80-$250 per child for typical professional families, or $1,000+ per child for lower-income filers who qualify for the refundable credit path.
If you're 65+ near the SS subtraction threshold ($82K single / $105K ), talk to a CPA about retirement-income timing — small adjustments to IRA / withdrawal timing can preserve the full SS subtraction and save $500-$3,000/year of MN tax. If your estate is approaching $3M, get a MN estate-planning attorney engaged — the $3M state exemption is much lower than federal, and gifting / trust strategies become relevant earlier in MN than in peer states.
Sources & further reading
Where the numbers and rules on this page come from. Verify any claim against the primary source before making a decision based on it.
- →Minnesota Department of Revenue — Form M1 instructions and tax tables
- →MNSAVES (529 plan)
- →Minnesota Tax Conformity Act of 2023 — Legislature record
- →Tax Foundation — annual state-and-local tax burden rankings
- →U.S. Bureau of Labor Statistics — Occupational Employment and Wage Statistics
- →IRS — federal brackets per Rev. Proc. 2025-32, contribution limits per Notice 2025-67, Publication 17
A few honest notes
Stuff worth keeping in mind:
- Not personal tax, legal, or financial advice. Run your specific numbers by a licensed CPA, EA, or tax attorney before making meaningful decisions.
- Tax law changes. This guide reflects 2026 IRS schedules and current Minnesota Department of Revenue rules including the 2023 Tax Conformity Act SS expansion and the 2024 MN-WI reciprocity restoration.
- The SS subtraction thresholds adjust annually for inflation — verify current limits against current Form M1 instructions.
- Property tax estimates vary by county and school district — check your county assessor's website for your specific parcel.
- Numbers are illustrative. Scenarios don't include every credit, deduction, AMT interaction, NIIT, equity-comp wrinkle, or cross-state complication.
- The calculator above models the MN bracket schedule and SS subtraction but doesn't model the K-12 Education Subtraction or state estate tax — add manually where applicable.
- Reading this page does not create a client relationship.
- No judgment regardless of where in the state you're in. Twin Cities healthcare professionals, Rochester Mayo Clinic staff, Duluth port and shipping workers, Iron Range mining engineers, Greater Minnesota farmers and small-business owners — you're all welcome here.
Last updated May 2026 with the 2023 Minnesota Tax Conformity Act SS subtraction expansion, the 2024 MN-WI reciprocity restoration, 2026 IRS schedules per Rev. Proc. 2025-32, and current Minnesota Department of Revenue bracket schedule. Numbers assume single filer except where noted. This is journalism with a calculator attached, not tax advice. Be kind to yourself in March.
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