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Minnetonka's population reached 52,651 at the most recent count, making it one of the larger western suburbs in the Minneapolis-St. Paul metro. For decades the city's commercial identity centered on UnitedHealth Group, which was founded in 1977 and headquartered on a 20-acre Bren Road campus in Minnetonka. UnitedHealth completed its relocation to Optum's campus in neighboring Eden Prairie in 2024, and the former Minnetonka headquarters building has since gone into receivership after a missed loan deadline.

Ridgedale Center remains the city's dominant commercial anchor: a 1.1-million-square-foot enclosed regional mall that opened in 1974, anchored by Macy's, Nordstrom, and Dick's Sporting Goods, with more than 130 inline stores. The surrounding Ridgedale area functions as a commercial and economic center for the western suburbs of Minneapolis and St. Paul, and the city has studied further development of the Ridgedale Village Center.

As Minnetonka's economy shifts away from its long-standing identity as a single-employer corporate town toward a retail- and services-anchored base around Ridgedale, local businesses, from dentists and law firms to electricians and HVAC contractors, are picking up demand from residents and shoppers who no longer route their daily errands around one corporate campus.