Iowa Paycheck Calculator (2026)
Estimate your Iowa take-home pay after federal income tax, Social Security, Medicare and Iowa's flat 3.8% income tax.
Iowa flat income tax in 2026
Iowa moved to a single flat income tax rate of 3.8%. Before 2025 Iowa used several brackets, so many workers now pay less.
Iowa uses the federal standard deduction ($16,100 single, $32,200 married filing jointly in 2026) and gives a small $40 personal credit per person. Some Iowa school districts add a surtax, which is not included here.
Example take-home pay in Iowa
Single filer, no 401(k), paid every 2 weeks:
Iowa income tax brackets for 2026
These are the rates applied to your Iowa taxable income, which is your pay after the deductions and exemptions described above.
| Single filers | Rate | Married filing jointly | Rate |
|---|---|---|---|
| Over $0 | 3.8% | Over $0 | 3.8% |
Iowa take-home pay at different salaries
Estimated yearly figures for a single filer with no 401(k), using the same rules as the calculator above.
| Salary | Federal tax | Social Security + Medicare | Iowa taxes | Take-home / year | Every 2 weeks | Total tax rate |
|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $488 | $25,797 | $992 | 14% |
| $50,000 | $3,820 | $3,825 | $1,248 | $41,107 | $1,581 | 17.8% |
| $75,000 | $7,670 | $5,738 | $2,198 | $59,394 | $2,284 | 20.8% |
| $100,000 | $13,170 | $7,650 | $3,148 | $76,032 | $2,924 | 24% |
| $150,000 | $24,734 | $11,475 | $5,048 | $108,743 | $4,182 | 27.5% |
How to keep more of your paycheck in Iowa
On a $60,000 salary, putting 5% ($3,000) into a traditional 401(k) reduces your yearly take-home pay by about $2,526 (roughly $97 less every 2 weeks). That is less than the full $3,000 because the contribution saves about $360 in federal income tax and about $114 in Iowa tax. The tax you avoid stays in your pocket instead of going to the government.
Filing status also matters. A married couple filing jointly with one $60,000 income takes home about $51,594 a year in Iowa, compared with $48,762 for a single filer, mostly because of the larger standard deduction and wider tax brackets.
How this calculator works
We subtract your 401(k) contribution and the 2026 standard deduction ($16,100 single, $32,200 married filing jointly), then apply the 2026 federal brackets (IRS Rev. Proc. 2025-32). Social Security is 6.2% up to $184,500 of pay, and Medicare is 1.45% (plus 0.9% on high pay). Iowa applies the federal standard deduction, a flat 3.8% rate and a $40 personal credit per taxpayer.
Iowa paycheck questions
What is the Iowa income tax rate?
3.8% flat for 2026.
Is retirement income taxed in Iowa?
Iowa excludes most retirement income for people aged 55 and older. This calculator covers wages only.
Do school districts add tax?
Some districts charge an income surtax. Check your district rate.
Rates last updated: October 2026. This is an estimate and does not include credits, benefits or W-4 changes. Official source: Iowa Department of Revenue.