Iowa Paycheck Calculator (2026)
See take-home pay for any salary in Iowa for 2026. Enter an amount, or pick a common salary from the list to get federal tax, FICA, and Iowa state tax broken out in full.
Iowa now applies a flat state income tax of 3.8%, the endpoint of a multi-year move away from graduated brackets that is fully in effect for 2026. Iowa uses the federal standard deduction rather than its own, so the deduction you claim federally reduces your Iowa base, and a small per-person credit applies against the tax. The distinctive local feature is the school district surtax: many districts add a percentage of your Iowa tax liability, so two people with identical incomes can owe different totals depending on where they live. This page serves Iowa workers estimating take-home; the tables below show pay across salary levels for 2026 after federal tax, FICA and Iowa income tax.
Iowa paycheck calculator (2026)
| Net per month | $4,382 |
| Net bi-weekly | $2,023 |
| Net per week | $1,011 |
| Federal income tax | $5,620 |
| Social Security | $4,030 |
| Medicare | $943 |
| Iowa income tax | $1,818 |
| Total tax (19.1% effective) | $12,411 |
Marginal rate 23.45% = 12% federal + 7.65% FICA + 3.8% Iowa. Annual-liability estimate for a single filer taking the standard deduction — actual payroll withholding differs slightly and reconciles at tax time.
Example: take-home on $65,000 in Iowa
| Line | Annual | Monthly | Bi-weekly * |
|---|---|---|---|
| Gross pay | $65,000 | $5,417 | $2,500 |
| Federal income tax | $5,620 | $468 | $216 |
| Social Security (6.2%) | $4,030 | $336 | $155 |
| Medicare (1.45%) | $943 | $79 | $36 |
| Iowa income tax | $1,818 | $152 | $70 |
| Total tax | $12,411 | $1,034 | $477 |
| Net pay (take-home) | $52,589 | $4,382 | $2,023 |
* Single filer, standard deduction, annual liability ÷ pay periods (an estimate, not payroll withholding). Effective rate 19.1%; marginal 23.45% (12% federal + 7.65% FICA + 3.8% Iowa).
Iowa taxes wage income at a flat 3.8% — details and deductions on the Iowa rate page.
Bonus coming? See how bonuses are withheld in Iowa.
Frequently asked questions
How is take-home pay calculated in Iowa?
We start with your gross salary and subtract the 2026 federal standard deduction for your filing status, then apply the federal tax brackets to what is left. FICA, the Social Security and Medicare tax, is added on the gross. On top of that comes the Iowa state layer, using Iowa's own brackets or flat rate and its deductions. The result is your estimated annual tax liability, which we divide across your pay periods to show weekly, biweekly, and monthly figures.
Does Iowa tax bonuses differently?
A bonus is withheld using supplemental wage rules, which can differ from your regular paycheck. See the Iowa bonus tax page for how the federal flat rate and the state layer apply.
Are these numbers withholding or final tax?
These are an annual tax-liability estimate, not the exact withholding from any one paycheck. The per-paycheck columns are the annual figure divided by the number of pay periods. Your employer's real withholding uses IRS payroll tables and can differ slightly, then reconciles when you file your return.
Federal: IRS 2026 brackets (Rev. Proc. 2025-32) · FICA: IRS Topic 751 · Wage base: SSA · Iowa: Iowa Department of Revenue. Rates current as of July 16, 2026. Annual-liability estimates, not payroll withholding — see methodology.