Paycheck · Iowa · 2026

Iowa Paycheck Calculator

Iowa taxes wages at a flat 3.8%, and some localities add their own tax. Estimate your 2026 take-home pay after federal and Iowa taxes.

Last reviewed October 9, 2026 · Calculation tax.paycheck v2.0.0

Your pay and filing details

2026 federal rules plus your state's income tax, local tax and payroll programs. Your numbers stay in your browser.

State you live and work in

We assume you live and work in the same state.

Local income tax rate (optional)

Most Iowa school districts (and a couple of counties for EMS) levy an income surtax calculated as a percentage of the resident's Iowa income tax liability, not of wages; Tax Foundation estimates the average local effective rate at about 0.08%.

How you're paid

Salary (yearly)Hourly

Annual gross pay from this job

Before any deductions.

Hourly rate

Regular hours a week

Overtime hours a week (optional)

Overtime pay rate (optional)

Filing status

Pay frequency

Dependents (optional)

Used for state exemptions and credits. For federal credits, use the fields below.

Spouse's yearly wages (optional)

Affects the yearly tax estimate on a joint return. If blank, we show the result as if there is no other household income — and say so.

Pre-tax deductions (per year)

Reduce income tax only (optional)

Usually traditional 401(k) or 403(b) contributions. Social Security and Medicare still apply.

Reduce income tax and Social Security/Medicare (optional)

Usually health, dental or vision premiums and FSA/HSA contributions through a Section 125 plan. Check your pay stub or ask payroll.

Federal tax credits you expect to claim (optional)

For the yearly estimate only, e.g. the child tax credit. We don't work out eligibility.

Form W-4 entries (optional — affects federal withholding)

W-4 Step 1(c) filing status

Step 2 box checked (two jobs, or spouse works)

Step 3: claim dependents and other credits (optional)

Step 4(a): other income (per year) (optional)

Step 4(b): deductions (per year) (optional)

The 2026 W-4 worksheet lets you include expected tips, overtime, car-loan interest and senior deductions here.

Step 4(c): extra withholding per paycheck (optional)

Estimated take-home pay per paycheck

$1,875.45

after federal, Iowa taxes

Estimate · 2026 tax rules

Each paycheck · 26 a year

Gross pay: $2,307.69
Pre-tax deductions: −$0.00
Federal income tax withheld: −$193.08
Social Security (6.2%): −$143.08
Medicare (1.45%): −$33.46
State income tax (estimate): −$62.62
Local income tax (estimate): −$0.00
State payroll deductions: −$0.00
Take-home pay: $1,875.45

For the whole year

Gross pay: $60,000.00
Take-home pay: $48,761.80
Share of gross you keep: 81.3%
Federal income tax owed (estimate): $5,020.00
Federal effective / marginal rate: 8.4% / 12%
State income tax owed (estimate): $1,628.20
State effective / marginal rate: 2.7% / 3.8%

Iowa details

State taxable income: $43,900.00
State credits applied: −$40.00
State income tax for the year: $1,628.20

Starts from the federal standard deduction, as Iowa does. School district surtaxes (usually small) aren't included.

Iowa paycheck guide: rates, deductions and sources

Federal withholding vs. estimated federal tax

Federal income tax withheld over the year: $5,020.00
Difference: About even

A positive difference suggests a federal refund; a negative one suggests you may owe. Other income, deductions and credits change it.

Federal tax brackets applied to your taxable income

How your federal taxable income is taxed
Rate	Income in this bracket	Tax
10%	$12,400.00	$1,240.00
12%	$31,500.00	$3,780.00

How state tax is estimated

We estimate the state income tax you'll owe for the year — wages, minus pre-tax deductions your state allows, minus its standard deduction and exemptions — then apply the state's 2026 brackets and credits, and divide by your number of paychecks. Your employer's withholding uses each state's own formula, so individual paychecks can differ by a few dollars. Employee-paid state programs (disability insurance, paid family leave and similar) are shown separately with their wage caps.

Calculation tax.state-wages v1.0.0; paycheck tax.paycheck v2.0.0; federal tax.federal-paycheck v1.0.0.

Iowa paycheck taxes at a glance

Iowa payroll taxes for 2026
Item	Iowa
State income tax on wages	Flat 3.8%
Brackets	One rate
Standard deduction (single)	$16,100
Local income tax	Most Iowa school districts (and a couple of counties for EMS) levy an income surtax calculated as a percentage of the resident's Iowa income tax liability, not of wages; Tax Foundation estimates the average local effective rate at about 0.08%.
Employee-paid state programs	None
Take-home on $60,000 (single, biweekly)	$1,875.45 per paycheck · $48,762 a year
Rank for take-home on $60,000	15 of 51 (1 = keeps the most)

Iowa income tax brackets

Iowa uses one rate for taxable income. Taxable income is your wages minus the pre-tax deductions Iowa allows and the deductions and exemptions below.

Iowa 2026 income tax brackets (taxable income)
Rate	Taxable income (all filers)
3.8%	Over $0

Deductions, exemptions and credits

Iowa standard deduction, exemptions and personal credits
Filing status	Standard deduction	Personal exemption	Personal credit
Single	$16,100	None	$40 credit
Married filing jointly	$32,200	None	$80 credit
Married filing separately	$16,100	None	$40 credit
Head of household	$24,150	None	$80 credit

Dependents: $40 credit each.
Traditional 401(k) contributions reduce Iowa taxable wages.
Section 125 health premiums reduce Iowa taxable wages.

Local income taxes

Enter your local rate in the calculator's Local income tax rate field to include it.

Example paychecks in Iowa

Single filer, biweekly pay, no pre-tax deductions
Annual pay	Gross per paycheck	Federal tax + FICA	State & local tax	State programs	Take-home per paycheck	Share kept
$40,000	$1,538.46	$218.46	$33.39	$0.00	$1,286.61	83.6%
$60,000	$2,307.69	$369.62	$62.62	$0.00	$1,875.45	81.3%
$80,000	$3,076.92	$572.69	$91.85	$0.00	$2,412.38	78.4%
$100,000	$3,846.15	$800.77	$121.08	$0.00	$2,924.30	76%
$150,000	$5,769.23	$1,392.65	$194.16	$0.00	$4,182.42	72.5%

Iowa vs. neighboring states

Single filer, $60,000 a year, biweekly, no local tax
State	Income tax on wages	Take-home a year	Per paycheck
Iowa	Flat 3.8%	$48,762	$1,875.45
Illinois	Flat 4.95%	$47,565	$1,829.41
Minnesota	5.35% to 9.85%	$47,569	$1,829.59
Missouri	2% to 4.7%	$48,507	$1,865.67
Nebraska	2.46% to 4.55%	$48,540	$1,866.91
South Dakota	No income tax on wages	$50,390	$1,938.08
Wisconsin	3.5% to 7.65%	$48,320	$1,858.48

See all 50 states and DC side by side at any salary.

Bonuses and other supplemental pay

Federal withholding on a bonus paid separately is usually a flat 22% (37% on supplemental pay over $1 million in a year). Iowa doesn't publish a single flat rate we could confirm, so employers typically add the bonus to regular pay for the period when working out state withholding. Use the bonus tax calculator to see what a bonus check will look like.

What this estimate leaves out

Starts from the federal standard deduction, as Iowa does. School district surtaxes (usually small) aren't included.
We assume you live and work in Iowa. Federal limitations are listed on the main paycheck calculator.

Sources and verification

Figures checked on October 9, 2026 (read from the state's own publications). 3.8% rate from Iowa DOR 2026 withholding formula; rolling IRC conformity from IDR conformity page; standard deduction = federal 2026 amounts from IRS; $40 credits from IDR 2025 IA 1040 instructions; cross-checked with Tax Foundation 2026 ($16,100/$32,200, $40/$80/$40 credits).

Iowa Withholding Tax Formula 2026 — Iowa Department of Revenue. Accessed 2026-10-09.
IDR issues new income withholding tax tables for 2026 (press release 2025-11-03) — Iowa Department of Revenue. Accessed 2026-10-09.
IA 1040 Expanded Instructions - Conformity with the Internal Revenue Code — Iowa Department of Revenue. Accessed 2026-10-09.
IA 1040 Expanded Instructions - Exemption credits — Iowa Department of Revenue. Accessed 2026-10-09.
IRS releases tax inflation adjustments for tax year 2026, including amendments from the One, Big, Beautiful Bill — Internal Revenue Service. Accessed 2026-10-09.
State Individual Income Tax Rates and Brackets, 2026 — Tax Foundation. Accessed 2026-10-09.