Last updated: September 2026

Iowa Paycheck Calculator

A single filer earning $75,000 in Iowa keeps about $59,394 a year, or $2,284 every two weeks, after about $2,198 in Iowa income tax at the flat 3.8% rate. Iowa has no disability or paid leave premium, and the school district surtax is settled on your return, not withheld.

Iowa tax data current for 2025 & 2026 · 2027 available as a projection · Updated for the One Big Beautiful Bill Act

Take-Home Pay —

Estimate Your Take-Home Pay

Tax Year

State

Filing Status

Pay Frequency

Pay Type

Gross Pay (per paycheck)

Pre-Tax Deductions (optional)

401(k) / 403(b) Contribution

Reduces taxable income. Does not reduce Social Security or Medicare.

Health / Dental / Vision Premium

Section 125 plan — reduces income tax and FICA.

FSA / HSA Contribution

Reduces income tax and FICA.

Additional Federal Withholding (optional)

From Step 4(c) of your W-4.

Results update automatically as you type.

Estimated Take-Home Pay

—

per paycheck

Item	Per Check	Annual
Gross Pay	—	—
↳ 401(k) Contribution	—	—
↳ Health Insurance	—	—
↳ FSA / HSA	—	—
Federal Income Tax	—	—
Social Security (6.2%)	—	—
Medicare (1.45%)	—	—
↳ Additional Medicare (0.9%)	—	—
State Income Tax	—	—
City Income Tax	—	—
Local Services Tax	—	—
State SDI / PFML	—	—
Extra Withholding	—	—
Take-Home Pay	—	—

Effective Tax Rate

—

all taxes combined

Total Deductions

—

per paycheck

Estimates federal, state, and select city taxes. Actual withholding may vary.

Iowa Salary After Taxes at Common Pay Levels (2026)

Salary after taxes for a single filer in Iowa: this table estimates take-home pay after federal income tax, FICA (Social Security 6.2% and Medicare 1.45%), and Iowa state income tax. Based on the 2026 IRS tax tables and the Iowa state 2026 tax schedule. Local income taxes are not included in these figures.

Annual Salary	Federal Tax	FICA	IA Tax	Take-Home	Effective Rate
$40,000	$2,620	$3,060	$868	$33,452	16.4%
$60,000	$5,020	$4,590	$1,628	$48,762	18.7%
$80,000	$8,770	$6,120	$2,388	$62,722	21.6%
$100,000	$13,170	$7,650	$3,148	$76,032	24%
$150,000	$24,734	$11,475	$5,048	$108,743	27.5%
$200,000	$36,734	$14,339	$6,948	$141,979	29%

Single filer, no pre-tax deductions. Assumes year-round wages; standard deduction applied. The federal brackets, standard deduction and Social Security wage base behind these figures are on the 2026 tax figures page.

Iowa Take-Home Pay by Pay Frequency (2026)

The same Iowa take-home figures divided across common pay schedules — what actually lands in your account each payday, after federal tax, FICA, and Iowa state income tax.

Annual Salary	Weekly52/yr	Biweekly26/yr	Semi-Monthly24/yr	Monthly12/yr
$40,000	$643	$1,287	$1,394	$2,788
$60,000	$938	$1,875	$2,032	$4,063
$80,000	$1,206	$2,412	$2,613	$5,227
$100,000	$1,462	$2,924	$3,168	$6,336
$150,000	$2,091	$4,182	$4,531	$9,062
$200,000	$2,730	$5,461	$5,916	$11,832

Biweekly and semi-monthly are not the same thing. Biweekly means every other Friday — 26 paychecks a year, so two months each year contain three paydays. Semi-monthly means twice a month (often the 15th and the last day) — 24 slightly larger paychecks. On a $40,000 salary in Iowa, that difference is about $107 per check. Annual take-home is identical either way.

Single filer, no pre-tax deductions. Divides annual take-home evenly; real paychecks vary slightly with withholding rounding and benefit deductions.

What's different about a Iowa paycheck

Withholding subtracts less than the return does

The 2026 withholding formula subtracts $13,000 a year for single employees, $19,500 for heads of household, and $26,000 for married employees whose spouse has no earnings, then takes 3.8% and subtracts the dollar allowances on your IA W-4. Your return subtracts the larger federal standard deduction, so a single employee at $75,000 has about $2,316 withheld against a tax of about $2,198. The gap comes back as a refund.

A new IA W-4 for 2026

Iowa revised its IA W-4 and withholding formula for 2026 to reflect the federal law changes. Employers may keep using an older form, but for anyone whose IA W-4 dates from 2023 or earlier they must convert its allowances at $40 each, so the Department of Revenue encourages employees to file a new one.

Bonuses at 3.8%

When your employer withholds federal tax on a bonus at the flat supplemental rate, Iowa withholds a flat 3.8%. A $10,000 bonus paid that way arrives as about $6,655 after the federal 22%, Iowa, Social Security, and Medicare. Paid together with regular wages, it goes through the normal formula instead.

The surtax comes at filing time

Iowa's withholding formula has no step for the school district surtax, which ranges from 0% to 20% of your Iowa tax depending on where you live. In a district with a surtax, expect a smaller refund, or a balance due, than the withholding alone suggests.

Minimum wage

Iowa's minimum wage is the federal $7.25 an hour. Full-time that is $15,080 a year, about $13,926 after taxes; with the federal standard deduction subtracted first, Iowa tax at that pay is $0.

For the annual picture, including capital gains, credits, and filing deadlines, see the Iowa income tax calculator.

Iowa Income Tax Brackets (2026)

Iowa has a flat income tax of 3.8% for 2026. Both single and joint filers pay the same rate on all taxable income.

Standard Deduction

$16,100 single · $32,200 joint

Taxable income equals gross wages minus pre-tax deductions and the standard deduction.

Methodology & Sources

Tax year: 2025, 2026 & 2027 (projected)· Last reviewed: September 2026

Estimates Iowa take-home pay using IRS percentage-method federal withholding, FICA, Iowa state income tax, and pre-tax deductions. Local income taxes in Iowa are not included.

▸ Formulas used

Federal income tax: progressive marginal brackets applied to gross pay minus the standard deduction, prorated to the selected pay period.
Social Security: 6.2% on wages up to the annual wage base ($176,100 in 2025; $184,500 in 2026; $192,300 in 2027).
Medicare: 1.45% on all wages plus an additional 0.9% on wages above $200,000.
Iowa state income tax: flat 3.8% rate applied to gross pay minus the standard deduction.
Most Iowa school districts add a school district surtax, calculated as a percentage (up to 20%) of your Iowa income tax. It is paid when you file your state return rather than withheld from paychecks.

▸ Assumptions & limitations

Withholding is estimated using IRS Publication 15-T methodology, not employer payroll software — actual paychecks may differ by a few dollars.
No tax credits (Child Tax Credit, EITC, education credits, etc.) are applied — these reduce the final tax bill, not paycheck withholding.
Applies the standard deduction and the personal exemption credit; other Iowa-specific credits are not modeled.
Assumes a single job; multi-job households should use the IRS Tax Withholding Estimator for an aggregate view.

▸ Primary sources

▸ What changed this year

2026: Iowa: standard deduction $15,750 to $16,100 single.
2026: Federal: standard deduction $16,100 single and $32,200 joint (from $15,750 and $31,500); brackets adjusted for inflation; Social Security wage base $184,500 (from $176,100).

Results are estimates based on the values you enter and may differ from employer payroll systems, tax forms, or official filings. This calculator does not provide tax, legal, payroll, or financial advice.

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Top Cities in Iowa

The largest cities in Iowa, where local taxes may apply on top of state withholding, by U.S. Census Bureau estimate for July 1, 2025:

Des Moines — 212,086 residents
Cedar Rapids — 137,935 residents
Davenport — 100,358 residents

How Iowa Compares to Neighboring States

Single-filer take-home on a $75,000 annual salary in 2026, federal + state income tax + FICA only:

State	Take-Home	vs. Iowa
Iowa (here)	$59,394	—
Minnesota	$58,016	-$1,378
Wisconsin	$58,649	-$745
Illinois	$58,025	-$1,370
Missouri	$59,059	-$335
Nebraska	$59,060	-$335

Take-home reflects single filer, no pre-tax deductions; SDI/PFML and local taxes excluded for an apples-to-apples comparison.

Frequently Asked Questions

What is the Iowa state income tax rate?

Iowa has a flat income tax rate of 3.8% for 2026. Whether you earn $40,000 or $200,000, your state tax rate is the same — applied to taxable income after the standard deduction.

How much is taken out of my paycheck in Iowa?

For a single filer earning $75,000 in Iowa (2026), expect roughly $7,670 in federal income tax, $5,738 in FICA, and $2,198 in Iowa state income tax — leaving about $59,394 take-home (20.8% effective tax rate). On top of that, expect any local income tax where you live or work.