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Iowa Paycheck Calculator 2026

Net take-home pay in Iowa after federal tax, Iowa state income tax and FICA. Results update instantly as you type. 2026 tax rates.

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Type your gross salary on the left and your full take-home breakdown, taxes, deductions and net pay, updates instantly.

Estimates only. This calculator uses 2026 federal and state tax rates for illustrative purposes. It does not account for all possible deductions, credits, local taxes, or individual circumstances. Consult a tax professional or use official IRS tools for accurate withholding calculations.

Paycheck Calculator FAQ

Does Iowa still have a progressive income tax?

No. Iowa completed a four-year phase-down in 2025 and now applies a single flat rate of 3.8% to all taxable income, replacing a nine-bracket schedule that reached 8.98% as recently as 2018. Retirement income is exempt. The only remaining local layer is the school-district surtax, calculated on tax owed and settled on the annual return rather than withheld from each paycheck.

Do any Iowa cities charge a local income tax?

No Iowa city levies a wage tax. Many school districts impose an income surtax, a percentage of state tax owed rather than of wages, settled on the annual return.

How much of my salary do I keep in Iowa?

Typically 72% to 80% of gross between $40,000 and $120,000 for a single filer taking the standard federal deduction, before voluntary deductions. A $65,000 salary nets about $50,400 after Iowa state tax. Enter your exact salary, filing status and deductions in the calculator for a precise breakdown.

How is federal income tax calculated on an Iowa paycheck?

Federal income tax uses progressive 2026 brackets for a single filer: 10% on the first $11,925 of taxable income, 12% to $48,475, 22% to $103,350, 24% to $197,300 and higher above, applied after the $15,000 standard deduction. Only the income inside each band is taxed at that rate. Social Security takes 6.2% up to $176,100 and Medicare 1.45%, plus 0.9% above $200,000.

Iowa Take-Home

Take-home pay in Iowa: what makes it different

Iowa paychecks lose federal income tax, Social Security (6.2%), Medicare (1.45%) and Iowa state income tax. Iowa finished a four-year reform in 2025, collapsing a nine-bracket schedule that once topped 8.98% into a single flat rate of 3.8%. Retirement income is now exempt entirely. No Iowa city taxes wages, though many school districts levy a surtax calculated as a percentage of state tax owed. A single filer earning $65,000 takes home about $50,400 a year (~78%), roughly $3,705 of which goes to the state. Enter any gross salary for the exact breakdown. (This page's table applies the 5.7% effective rate carried in the site's state-tax dataset.)

Iowa: iowa paycheck calculator β€” State income tax Flat 3.8% from 2025, Local wage tax None, Federal income tax Progressive 2026 brackets. Simplified outline of Iowa, stylised and not to scale.
Simplified outline of Iowa β€” a stylised shape, not to scale.
5.70%
Iowa state income tax
78%
Take-home at $65k, single filer, standard deduction
$52,600
Married filing jointly take-home at $65k (81%)

How much is your salary after taxes in Iowa? (2026)

Estimated annual and monthly take-home for a single filer taking the standard deduction. Enter your exact figures in the calculator above for a personalised breakdown.

Married filing jointly? A household earning $65,000 in Iowa keeps about $52,600 (~81%) β€” thanks to a larger standard deduction and wider brackets.

Gross salaryFederal + FICATake-home / yrTake-home / mo% kept
$40,000$8,101$31,899$2,65880%
$50,000$10,636$39,364$3,28079%
$60,000$13,171$46,829$3,90278%
$70,000$16,359$53,641$4,47077%
$80,000$19,894$60,106$5,00975%
$90,000$23,429$66,571$5,54874%
$100,000$26,964$73,036$6,08673%
$120,000$34,067$85,933$7,16172%
How does Iowa take-home compare to nearby states?

The 2025 flat rate flipped Iowa from one of the region's heavier income taxes to one of its lighter ones. At 3.8% it is now clearly below Minnesota's 5.35% floor and Wisconsin's 5.3% trade bracket, close to Illinois's 4.95%, and above only South Dakota and Nebraska's continuing cuts. Border workers in Sioux City and the Quad Cities feel that shift directly.

What deductions come out of an Iowa paycheck?

Federal income tax, Social Security (6.2% to $176,100), Medicare (1.45%, plus 0.9% over $200,000), Iowa state income tax, and any voluntary pre-tax items you elect: 401(k), health premiums, HSA or FSA contributions and union dues.

How does Iowa gross pay compare with the national median?

Iowa trade wages run about 7% below the national BLS OEWS median, a 0.93Γ— wage index. Data centres have reshaped the market, Meta in Altoona and Microsoft around West Des Moines have run continuous electrical and mechanical build-outs for a decade, while ethanol plants, ag processing and the Quad Cities' heavy manufacturing supply steady industrial maintenance. Take-home is the product of both sides, gross scale and the tax schedule, so compare an Iowa offer against another state using the salary calculator for gross and this page for net.

Iowa salary calculatorIowa trade salary guidesPaycheck calculator, all states
Sources & methodology

Take-home figures apply 2026 federal income-tax brackets and the standard deduction, Social Security (6.2% to the $176,100 wage base) and Medicare (1.45%). Primary sources: IRS Β· Iowa Department of Revenue Β· Iowa Workforce Development. Reviewed 2026-07-25 by the GlobalCybers Data Desk Β· estimates only, not tax advice. Full methodology β†’

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Paycheck calculator by state

State income tax is the single biggest swing in your take-home pay, from 0% in nine states to 13.3% at the top in California. Pick your state to see net pay after federal tax, FICA and state tax on any salary. States marked No tax have no state income tax.

AlabamaAlaskaNo taxArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaNo taxGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNo taxNew HampshireNo taxNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaNo taxTennesseeNo taxTexasNo taxUtahVermontVirginiaWashingtonNo taxWashington D.C.West VirginiaWisconsinWyomingNo tax