Tax year 2026 · Updated October 4, 2026

Iowa Paycheck Calculator

Iowa consolidated its brackets into a single 3.8% rate in 2025; some school districts add a surtax on top.

Iowa paycheck calculator

Estimates for tax year 2026. Results update as you type.

Pay type

SalaryHourly

Annual salary (gross, before taxes)

Pay frequency

Filing status (Form W-4, Step 1)

School district surtaxMany Iowa school districts add a surtax of 1% to 20% of state income tax; not included here.Selected rate: 0%

W-4 details, retirement and benefits

My current federal W-4 claims exemption

Use an existing qualifying election on Form W-4. Federal income-tax withholding, including extras, becomes $0. FICA and state deductions remain separate. Eligibility is not checked.

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

Step 3: dependents credit (annual $)

$2,200 per qualifying child under 17, $500 per other dependent.

Step 4(c): extra withholding per paycheck

Step 4(a): other annual income

Step 4(b): deductions beyond the standard deduction

401(k) / 403(b) contribution

Percent of gross pay, pre-tax (traditional).

Health premiums, HSA, FSA per paycheck

Section 125 items also reduce Social Security and Medicare wages.

After-tax deductions per paycheck

Roth 401(k), union dues, garnishments.

Dependents for Iowa exemptions

Blank adjustments count as 0 unless another default is stated. Pay, hours and an active custom rate need a value; enter 0 when appropriate.

Estimated take-home pay every two weeks$1,875.45$48,761.80 per year · $4,063.48 per month

Annual state tax estimate. The Iowa income-tax line estimates annual tax on wages using the published income-tax schedule and the deductions included here, then divides it by your pay periods. It does not reproduce Iowa's employer withholding tables or a complete tax return.

Annual and monthly figures assume the entered pay repeats for a full year. Wage caps are averaged across those paychecks; year-to-date pay and deductions are not tracked.

Estimated tax share

18.7%

Federal marginal rate

12%

Iowa marginal rate

3.80%

Line	Per paycheck	Full-year projection
Gross pay	$2,307.69	$60,000.00
Pre-tax retirement	$0.00	$0.00
Health, HSA, FSA (pre-tax)	$0.00	$0.00
Federal income-tax withholding	$193.08	$5,020.00
Social Security (6.2%)	$143.08	$3,720.00
Medicare (1.45%)	$33.46	$870.00
Iowa income-tax estimate	$62.62	$1,628.20
Local income tax	$0.00	$0.00
After-tax deductions	$0.00	$0.00
Take-home pay	$1,875.45	$48,761.80

Estimated tax share is the displayed federal withholding, FICA, state/local tax estimate and state payroll deductions divided by gross pay. Benefit deductions are excluded from that share; it is not your final income-tax rate.

Federal withholding follows IRS Publication 15-T for a 2020-or-later W-4. Social Security applies to the first $184,500 of wages in 2026. Iowa tax uses the 2026 rate schedule (top rate 3.8%).

Compare a Iowa salary offer with your paystub

Enter annual gross salary and the employer's pay frequency. Every two weeks means 26 paychecks; twice a month means 24. Benefits entered per paycheck follow that choice.
Copy the elections from your current federal W-4. A job offer's salary alone does not establish withholding.
Enter your employee retirement and health deductions, then any after-tax deductions. Compare gross pay and each deduction line with a regular paystub before relying on the net estimate.
For a proposed raise, run both annual salaries with the same elections, pay frequency and benefit settings. Percentage-based retirement deductions change with salary. Keep one-off bonuses separate from regular annual salary.

A raise starting partway through the year affects fewer paychecks. The annual result here is a full year at the entered salary; it does not combine earlier wages or predict a refund. For household withholding and amounts already paid, use the IRS Tax Withholding Estimator.

How Iowa paycheck taxes work in 2026

Iowa has a flat income-tax rate of 3.8%. A flat rate applies to taxable income, not necessarily gross pay; deductions, exemptions and credits can change the amount owed.

Before the rates apply, Iowa allows a standard deduction of $16,100 for single filers and $32,200 for joint filers and personal exemption credits of $40 per filer and $40 per dependent. The calculator applies these automatically based on your filing status and the dependents you enter.

Iowa 2026 income tax brackets
Rate	Single filers and joint filers
3.8%	over $0

Income-tax standard deduction: $16,100 single, $32,200 joint. Personal exemption credit: $40 per filer, $40 per dependent. Married filing separately and head of household use the single schedule in this estimate.

Local income taxes in Iowa

Many Iowa school districts add a surtax of 1% to 20% of state income tax; not included here.

Worked example: $60,000 salary in Iowa

A single filer earning $60,000 a year, paid every two weeks, with a standard W-4 and no pre-tax deductions, sees this estimate for each paycheck in 2026. These numbers are produced by the same engine as the calculator above, so they never drift from the tool.

Example bi-weekly paycheck breakdown in Iowa
Gross pay	$2,307.69
Federal income-tax withholding	$193.08
Social Security	$143.08
Medicare	$33.46
Iowa income-tax estimate	$62.62
Take-home pay per paycheck	$1,875.45
Full-year take-home projection	$48,761.80
Estimated tax share of gross pay	18.7%

Comparing a raise or new offer? Use the pay raise calculator to find the percentage change and its federal-only paycheck effect, then compare both salaries above with your Iowa elections and deductions.

Federal taxes on every paycheck in 2026

Federal income tax withholding follows IRS Publication 15-T: your pay is annualised, adjusted for the entries on your Form W-4, reduced by the standard deduction built into the withholding tables ($16,100 single, $32,200 joint, $24,150 head of household), and run through the 2026 rate schedule below. Social Security is 6.2% of wages up to $184,500; Medicare is 1.45% of all wages plus 0.9% on wages above $200,000.

2026 federal income tax brackets by filing status
Rate	Single	Married filing jointly	Head of household
10%	$0 – $12,400	$0 – $24,800	$0 – $17,700
12%	$12,400 – $50,400	$24,800 – $100,800	$17,700 – $67,450
22%	$50,400 – $105,700	$100,800 – $211,400	$67,450 – $105,700
24%	$105,700 – $201,775	$211,400 – $403,550	$105,700 – $201,775
32%	$201,775 – $256,225	$403,550 – $512,450	$201,775 – $256,200
35%	$256,225 – $640,600	$512,450 – $768,700	$256,200 – $640,600
37%	over $640,600	over $768,700	over $640,600

Frequently asked questions

Does Iowa have state income tax?

Yes. Iowa has a flat income-tax rate of 3.8% for 2026. The Iowa income-tax line estimates annual tax on wages using the published income-tax schedule and the deductions included here, then divides it by your pay periods. It does not reproduce Iowa's employer withholding tables or a complete tax return.

How much is taken out of a $1,000 paycheck in Iowa?

For a single filer paid $1,000 a week with no pre-tax deductions, this 2026 calculator estimates $180.04 in tax and state-program deductions: $78.08 federal withholding, $62.00 Social Security, $14.50 Medicare, $25.47 Iowa income-tax estimate, leaving estimated take-home pay of $819.96. This assumes the same pay and elections throughout the year.

What is the Iowa income tax rate for 2026?

Iowa charges a flat 3.8% in 2026.

Does Iowa have local income taxes?

Many Iowa school districts add a surtax of 1% to 20% of state income tax; not included here. Enter the rate in the calculator's "School district surtax" field to include it.

Are 401(k) contributions taxed in Iowa?

Qualifying traditional 401(k), 403(b) and similar pre-tax retirement contributions reduce federal and Iowa income-tax wages in this estimate. Social Security and Medicare still apply to those contributions; any local-tax or state-program wage rules are separate.

How do I calculate my hourly take-home pay in Iowa?

Switch the calculator to Hourly, enter your rate, hours per week and any overtime, and choose how often you are paid. The Iowa hourly paycheck calculator opens with those settings and shows the same federal, FICA and state breakdown.

Why is my actual paycheck different from this estimate?

The Iowa income-tax line estimates annual tax on wages using the published income-tax schedule and the deductions included here, then divides it by your pay periods. It does not reproduce Iowa's employer withholding tables or a complete tax return. The estimate assumes steady regular pay and the elections and deductions you enter. Employer rounding, variable pay, year-to-date wage caps, benefit coverage and local-tax rules can produce different deductions. Compare gross pay and each deduction line with your paystub before using the net figure for budgeting. It does not predict a refund or balance due.

Paycheck calculators for other states

Sources and updates

Figures are for tax year 2026 and were checked against the sources below on September 3, 2026. Tax rules and rates can change. Each calculator identifies the method and limitations used.

This calculator gives estimates for information only and is not tax, legal or financial advice. Your employer's payroll system, local taxes, benefits and year-to-date wages can change the exact amounts on your pay stub. See how we calculate.