Iowa Paycheck Calculator 2026
Iowa completed a major tax overhaul in 2025, moving to a flat 3.8% individual income tax — down from a 8.53% top rate just a few years earlier. It pairs the flat rate with the federal standard deduction ($16,100 single / $32,200 married in 2026).
The calculator below applies 2026 federal brackets, FICA and Iowa's 3.8% after the standard deduction. Note that many Iowa school districts levy a small income surtax collected with your state return, which isn't modeled here.
The result is an annual 2026 tax-liability estimate apportioned across the pay frequency you choose. It does not reproduce employer withholding from your Form W-4.
Paid hourly? Try the Iowa hourly paycheck calculator. Comparing states? The take-home pay calculator covers all 50 states and DC in one tool.
Capped at the 2026 standard employee limit of $24,500.
Rates run about 0%–20% and apply to gross wages. Listed rates are representative — confirm yours with your locality.
Reduces modeled income tax and take-home cash, but not payroll taxes. Benefit tax treatment varies.
- Annual gross ÷ 26
- $2,884.62
- Annual federal tax ÷ 26
- −$263.27
- Annual Iowa tax ÷ 26
- −$80.60
- Annual payroll taxes ÷ 26
- −$220.67
- 401(k) contribution
- −$144.23
- Annual estimate ÷ 26
- $2,175.84
In Iowa, an estimated $2,096 a year goes to state income tax on a $75,000 salary.
Annual tax-liability estimate apportioned for display. It is not payroll withholding and excludes Form W-4 adjustments, credits and other state payroll deductions. Iowa local income tax is not included until you pick a rate.
- This is an annual federal and state income-tax liability estimate apportioned across the period you choose. It is not employer payroll withholding.
- It does not collect Form W-4 steps, pay date, year-to-date pay or withholding, residence/work-state interaction, or local tax.
- State schedules are an interim planning model. Filing combinations without a sourced schedule are unavailable rather than silently approximated.
- Internal Revenue Service: 2026 inflation adjustments and income-tax brackets — Federal annual-liability brackets and standard deductions.
- Internal Revenue Service: Publication 15-T (2026) — The payroll-withholding method PlainSums does not yet implement.
- Social Security Administration: 2026 contribution and benefit base — Social Security wage base and employee rate.
- Internal Revenue Service: Additional Medicare Tax — Liability thresholds and the additional 0.9% rate.
- Tax Foundation: 2026 state individual income-tax rates and brackets — Secondary compilation used as a starting reference; local taxes are excluded.
- Arizona State Legislature: Arizona Laws 2026, Chapter 140 — Signed June 13, 2026; supersedes the earlier Arizona deduction snapshot.
- Plante Moran state and local tax advisor (April 2026): Supplemental budget with OBBBA conformity — Maine's 2026 IRC-conformity update; supersedes the earlier Maine deduction snapshot.
The email includes this route only; calculator inputs are not attached.
Iowa income tax in 2026, briefly
Iowa uses a flat 3.8% statutory rate in this interim model. Deductions mean the effective rate on gross wages can differ.
Figures use 2026 rates and are estimates for planning — not tax advice.
Iowa take-home pay by salary (2026)
Planning estimates across common annual salaries in Iowa. Figures assume a single filer with no 401(k) or other entered deductions. Contributing pre-tax can reduce income tax but also reduces current take-home cash, so it does not automatically increase net pay.
| Salary | Annual estimate | Annual ÷ 12 | Annual ÷ 26 | Effective tax rate |
|---|---|---|---|---|
| $35,000 | $29,584 | $2,465 | $1,138 | 15.5% |
| $40,000 | $33,412 | $2,784 | $1,285 | 16.5% |
| $45,000 | $37,239 | $3,103 | $1,432 | 17.2% |
| $50,000 | $41,067 | $3,422 | $1,579 | 17.9% |
| $55,000 | $44,894 | $3,741 | $1,727 | 18.4% |
| $60,000 | $48,722 | $4,060 | $1,874 | 18.8% |
| $65,000 | $52,549 | $4,379 | $2,021 | 19.2% |
| $75,000 | $59,354 | $4,946 | $2,283 | 20.9% |
| $80,000 | $62,682 | $5,223 | $2,411 | 21.6% |
| $90,000 | $69,337 | $5,778 | $2,667 | 23.0% |
| $100,000 | $75,992 | $6,333 | $2,923 | 24.0% |
| $110,000 | $82,647 | $6,887 | $3,179 | 24.9% |
| $125,000 | $92,565 | $7,714 | $3,560 | 25.9% |
| $150,000 | $108,703 | $9,059 | $4,181 | 27.5% |
| $175,000 | $124,840 | $10,403 | $4,802 | 28.7% |
| $200,000 | $141,939 | $11,828 | $5,459 | 29.0% |
Assumptions: 2026 federal brackets and standard deduction, FICA (Social Security up to the $184,500 wage base plus Medicare), and Iowa's 2026 income tax. Single filer, 0% 401(k), no other pre-tax deductions. Effective tax rate is total federal, state and FICA tax as a share of gross pay. Local taxes and credits are excluded.
Iowa income tax brackets (2026)
Iowa applies a single flat rate of 3.8% to taxable income, after a standard deduction or exemption of about $16,100 for a single filer. There are no graduated brackets — every taxpayer pays the same 3.8% marginal rate.
Iowa local income tax rates
Iowa school districts may levy a surtax expressed as a percentage of your Iowa state income tax — not of your wages. A 6% surtax on a $1,900 state tax bill is about $114, so the cash effect is far smaller than the headline percentage suggests. Enter the equivalent share of gross pay if you want it reflected below.
How Iowa compares to every other state
On a $75,000 salary, Iowa ranks #16 of 51 for annual take-home pay among the 50 states plus DC (single filer, no 401(k), state income tax only). The gap between the most and least favourable jurisdiction on this salary is about $5,989 a year.
| Rank | State | Annual estimate on $75k | vs. Iowa |
|---|---|---|---|
| #1 | Alaska | $61,593 | +$2,238 |
| #14 | Indiana | $59,410 | +$55 |
| #15 | Rhode Island | $59,397 | +$43 |
| #16 | Iowa (this state) | $59,354 | — |
| #17 | Mississippi | $59,325 | −$30 |
| #18 | Pennsylvania | $59,290 | −$64 |
| #51 | Oregon | $55,604 | −$3,751 |
Same salary, next state over
How a $75,000 salary compares in Iowa versus neighboring states — same federal tax and FICA, single filer, no 401(k), so the difference is state income tax alone.
Frequently asked questions
- Does Iowa have a state income tax?
- Yes. Iowa applies a flat 3.8% state income tax to taxable income. Iowa moved to a 3.8% flat individual income tax in 2025 and uses the federal standard deduction.
- Does Iowa have a local income tax?
- Yes. Iowa localities levy a school district surtax of roughly 0%–20%, applied to gross wages. Iowa school districts may levy a surtax expressed as a percentage of your Iowa state income tax — not of your wages. A 6% surtax on a $1,900 state tax bill is about $114, so the cash effect is far smaller than the headline percentage suggests. Enter the equivalent share of gross pay if you want it reflected below. Enter your own rate in the calculator above to fold it into the estimate.
- How much is taken out of my paycheck in Iowa?
- Pay is reduced by federal income tax, FICA (6.2% Social Security up to the $184,500 wage base plus 1.45% Medicare), Iowa state income tax, any school district surtax, and voluntary deductions such as a 401(k). Enter a salary and pay frequency above for the full breakdown.
- What is Iowa's income tax rate in 2026?
- A flat 3.8% on taxable income above the federal-matching standard deduction. Iowa moved from a nine-bracket system with a top rate over 8% to this flat tax as of 2025 — one of the biggest recent state tax changes in the Midwest.
- Is retirement income taxed in Iowa?
- Iowa excludes most retirement income (pensions, 401(k) and IRA distributions) for those 55 and older under its recent reforms. Wages, however, are taxed at the flat 3.8% above the standard deduction.
- Is this the amount an employer will withhold in Iowa?
- No. This tool estimates annual federal and state income-tax liability and employee payroll taxes, then divides the annual result by the number of periods you select. Employer withholding uses pay-period wages, Form W-4 details, state forms and payroll rounding.
- How is this estimate calculated?
- We estimate annual federal income-tax liability from 2026 brackets and the standard deduction, employee Social Security and Medicare taxes including Additional Medicare Tax where applicable, the available state schedule, any local rate you enter, and the cash effect of entered deductions. Credits and a full Form W-4 are excluded.
- How reliable is this Iowa paycheck estimate?
- It is a planning scenario, not a payroll prediction. It does not model credits, every benefit rule, work/residence-state interactions, year-to-date withholding or all state payroll programs. Your pay stub and filed return are the relevant records.