ExactTakeHome is a free paycheck calculator that computes exact US take-home pay after federal income tax, Social Security, Medicare, and Iowa state withholding for 2026.
Iowa Paycheck Calculator 2026
Use this Iowa paycheck calculator to estimate take-home pay after federal income tax, Social Security, Medicare (FICA), and Iowa state withholding for 2026.
Iowa uses progressive state income tax brackets. The encoded single-filer withholding rates range from 3.8% to 3.8%. Use the calculator below for your exact take-home.
Iowa Tax Quick Facts 2026
| Tax | Rate / detail |
|---|---|
| State income tax | 3.8% |
| Tax structure | Progressive |
| FICA (employee) | 7.65% |
| Standard deduction (federal) | $15,000 (single) · $30,000 (married) |
| $75k salary — est. net annual | $59,237 |
Federal W-4 adjustments
How we calculated this
Enter a salary above to see your take-home pay.
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Iowa Paycheck Calculator 2026
Use this Iowa paycheck calculator to estimate take-home pay after federal income tax, Social Security, Medicare (FICA), and Iowa state withholding for 2026.
How Iowa Paycheck Taxes Work
Iowa has moved to a flat individual income tax structure, making paycheck estimates simpler than under the prior graduated bracket system. A typical Iowa paycheck includes federal income tax withholding, Social Security tax, Medicare tax, Iowa state income tax withholding, and any pre-tax or post-tax deductions selected by the employee. The state withholding calculation still depends on taxable wages, pay frequency, and the employee’s withholding setup.
For workers, the key point is that Iowa’s state income tax is no longer a wide multi-bracket calculation for current wage withholding. However, paycheck withholding remains an estimate. Your annual tax return may differ because of deductions, credits, other income, spouse income, or part-year residency. Iowa also has special retirement-income rules that may matter for older taxpayers, but ordinary wages are still considered for state income tax purposes. Employees with multiple jobs should review withholding to avoid underpayment.
- State income tax structure: Flat rate
- State income tax rate: 3.8% for tax year 2025
- Prior structure: Iowa previously used progressive brackets
- Federal withholding and FICA: Still apply
- Local income tax: No broad city wage income tax
This information is for general reference. Consult a tax professional for advice specific to your situation.
Official source: Iowa Department of Revenue
What's included in your Iowa paycheck calculation
- Federal income tax — withheld using IRS Pub 15-T 2026 percentage-method tables based on your salary, filing status, and W-4
- Social Security — 6.2% on wages up to the annual wage base
- Medicare — 1.45% on all wages; additional 0.9% above the high-income threshold
- Iowa state income tax — estimated using the calculator's documented 2026 support scope (see notice above)
- Pre-tax deductions — 401(k), HSA, FSA contributions reduce federal and state taxable income
- Local taxes — supported jurisdictions available in the city dropdown
Source-backed 2026 data — How it's calculated →
Iowa Tax Quick Facts (2026)
- State income tax
- 3.8%
- Tax type
- Progressive
- FICA (employee share)
- 7.65%
- Support level
- Limited — details
- Local taxes modeled
- None
Take-home pay examples for Iowa
| Annual salary | Federal tax | State tax | FICA | Net annual pay | Net monthly |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $1,026 | $3,060 | $33,294 | $2,775 |
| $50,000 | $3,820 | $1,406 | $3,825 | $40,949 | $3,412 |
| $60,000 | $5,020 | $1,786 | $4,590 | $48,604 | $4,050 |
| $75,000 | $7,670 | $2,356 | $5,738 | $59,237 | $4,936 |
| $85,000 | $9,870 | $2,736 | $6,503 | $65,892 | $5,491 |
| $100,000 | $13,170 | $3,306 | $7,650 | $75,874 | $6,323 |
| $120,000 | $17,570 | $4,066 | $9,180 | $89,184 | $7,432 |
| $150,000 | $24,734 | $5,206 | $11,475 | $108,585 | $9,049 |
Single filer, biweekly, standard W-4, no deductions. How we calculate
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Frequently Asked Questions
What is Iowa's income tax rate?
Iowa levies a state income tax. The exact withholding amount depends on your annual salary, filing status, pay frequency, and any state withholding form elections. Use the calculator above to see your specific Iowa take-home pay.
How is my Iowa paycheck calculated?
Your Iowa take-home pay equals gross pay minus federal income tax (IRS Pub 15-T 2026), Social Security (6.2%), Medicare (1.45%), and state income tax withholding. Any pre-tax deductions — like 401(k) contributions or HSA — reduce taxable income before taxes are applied.
Does Iowa have local income taxes?
Some jurisdictions in Iowa levy local income taxes. Use the city/local dropdown in the calculator above to include local taxes for supported Iowa jurisdictions in your estimate.
Does a 401(k) reduce my Iowa taxable paycheck?
Traditional (pre-tax) 401(k) contributions reduce federal taxable income. State withholding treatment depends on the official Iowa method and the calculator's documented support scope. Use the "Refine for accuracy" panel to enter your 401(k) percentage and review the calculated effect on each paycheck.
Why might my actual Iowa paycheck differ from the estimate?
Employer-specific factors — benefits deductions, employer health insurance premiums, garnishments, supplemental wages, and state W-4 certificate choices — are not modeled in a general calculator. The estimate assumes standard withholding from a W-4 with no special elections. Use it as a close approximation and verify with your employer's payroll department for exact figures.
How can I increase my take-home pay in Iowa?
The most effective strategies are maximizing pre-tax deductions (401(k), HSA, FSA, health insurance premiums paid pre-tax), correctly completing your federal W-4 to avoid over-withholding, and verifying your Iowa state withholding certificate. Over-withholding gives the government an interest-free loan — it is not a financial advantage.
Is this Iowa paycheck calculator free?
Yes. Exact Take Home is completely free, requires no account, and stores no personal data. All calculations run in your browser using source-backed 2026 tax data.
Does Iowa have state income tax?
Yes. Iowa has a state income tax. Rates and brackets vary by income level. Use the calculator above to see the exact withholding amount for your salary and filing status.
How is Iowa paycheck withholding calculated?
Iowa withholding is calculated based on your W-4 elections, gross pay, filing status, and applicable Iowa tax brackets. Federal taxes (income tax + FICA) are calculated separately using IRS Publication 15-T 2026 tables and applied in addition to state withholding.
How much is $75,000 after taxes in Iowa?
$75,000 a year in Iowa results in approximately $59,237 in annual take-home pay for a single filer, based on 2026 rates. Use the calculator above for your specific situation.