Free Iowa paycheck calculator for 2026. Estimate take-home pay after Iowa state tax (3.80% flat), federal tax, Social Security, and Medicare.
Iowa state tax: 3.80% flat
Unique 2026 examples for this page — plug similar numbers into the calculator above to customize.
Single filer · $60,000/year · Iowa
Iowa uses a flat 3.80% state income tax (about $16,100 single standard deduction in our model). Open the calculator to adjust filing status or 401(k).
Single filer · $95,000/year · 6% traditional 401(k)
Pre-tax 401(k) lowers federal and usually Iowa taxable wages on the same paycheck.
Married filing jointly · $145,000/year · Iowa
Joint filing changes federal withholding; Iowa state rules still apply to each paycheck.
$24/hr · 40 regular + 6 OT hours (1.5×)
OT increases gross quickly; federal, Iowa state, and FICA all move with the higher check.
Estimated net pay for a single filer with no 401(k) or local tax.
| Gross salary | Est. annual take-home | Est. biweekly net | Effective tax rate |
|---|---|---|---|
| $40,000 | $33,412 | $1,285 | 16.5% |
| $60,000 | $48,722 | $1,874 | 18.8% |
| $100,000 | $75,992 | $2,923 | 24.0% |
Iowa applies a flat state income tax of 3.80% on taxable wages. Iowa uses a flat state income tax after recent reforms, simplifying paycheck estimates statewide. This Iowa paycheck calculator estimates federal income tax, state income tax, Social Security, and Medicare so you can see take-home pay per paycheck.
For a single filer earning $60,000/year in Iowa, estimated take-home is about $48,722 per year ($1,874 biweekly), with an effective combined tax rate near 18.8%. Use the calculator above to plug in your exact salary, hourly wage, 401(k), or bonus.
Enter your gross salary or hourly rate, choose weekly, biweekly, or monthly pay, set filing status, and keep Iowa selected. Instantly see net pay after taxes — the same workflow as major payroll tools, built for Iowa 2026 rates.
A typical Iowa paycheck deducts federal income tax, Iowa state income tax (3.80% flat), Social Security (6.2% up to the wage base), and Medicare (1.45%). Pre-tax 401(k) contributions reduce taxable income and usually increase take-home later by lowering current tax.
To get the most accurate estimate for Iowa, make sure your filing status matches your W-4. If you contribute to a traditional 401(k) or HSA, enter those in advanced options — they reduce federal (and usually Iowa state) taxable wages. Workers in cities with local taxes should enter their ZIP code or set a custom local rate. If your actual paycheck differs from the estimate, the most common causes are employer-specific benefits, local withholding not in our database, or supplemental wage handling for bonuses.
Iowa's state tax (3.80% flat) means take-home on the same $60,000 salary will differ from no-tax states like Texas, Florida, Nevada, or Wyoming. Compare with our California, Texas, New York, and Florida calculators for side-by-side context. Keep in mind that lower state income tax does not always mean lower overall cost — property taxes, sales taxes, and cost of living also matter.
Iowa uses a flat 3.80% state income tax (about $16,100 single standard deduction in our model). Because the rate does not climb with income, Iowa estimates scale more predictably than multi-bracket states. At $60,000 single, estimated net is about $48,722/year ($1,873.92 biweekly) — versus about $50,390 in no-tax Texas and $47,970 in California. Enter ZIP or a custom local % if your city withholds local tax.
Iowa’s move to a flat statewide structure simplifies paycheck estimates compared with older multi-bracket years. Federal withholding and FICA still drive most period-to-period swings. At $60,000 single, estimated take-home is about $48,722/year ($1,873.92 biweekly).
Iowa $60k baseline: Single filer · $60,000/year · Iowa. Estimated take-home about $48,722/year ($1,874 biweekly) · effective tax ~18.8%. Iowa uses a flat 3.80% state income tax (about $16,100 single standard deduction in our model). Open the calculator to adjust filing status or 401(k). Iowa $95k with 6% 401(k): Single filer · $95,000/year · 6% traditional 401(k). Estimated take-home about $68,435/year ($2,632 biweekly) · effective tax ~22.0%. Pre-tax 401(k) lowers federal and usually Iowa taxable wages on the same paycheck. Iowa married household: Married filing jointly · $145,000/year · Iowa. Estimated take-home about $115,381/year ($4,438 biweekly) · effective tax ~20.4%. Joint filing changes federal withholding; Iowa state rules still apply to each paycheck. Iowa hourly + OT: $24/hr · 40 regular + 6 OT hours (1.5×). Estimated take-home about $49,604/year ($1,908 biweekly) · effective tax ~18.9%. OT increases gross quickly; federal, Iowa state, and FICA all move with the higher check.
Iowa uses a flat state rate — filing status mainly changes federal withholding. Enter ZIP or a custom local % if your city adds local tax, and compare with Texas or California for relocation math.
Same gross salary can mean very different net pay. Open a peer state calculator — rates stay preloaded for a faster side-by-side estimate.
Each state page preloads that state’s tax rules for a faster estimate.
A single filer earning $60,000 in Iowa takes home roughly $48,722 per year, or about $1,874 every two weeks, before benefits. Adjust the calculator for your filing status and deductions for a tighter estimate.
Yes. Iowa applies a flat state income tax of 3.80% on taxable wages. Your exact withholding also depends on W-4 settings and any local taxes.
Iowa uses a flat 3.80% flat state income tax, which is simpler than progressive systems. Whether it feels high or low depends on your bracket elsewhere and local taxes.
Yes. Switch to hourly pay in the calculator, enter your rate and hours (plus overtime if needed). The Iowa tax settings stay applied so you see net pay per paycheck.
It uses current federal brackets, FICA rates, and Iowa state tax rules for 2026 from verified sources (state DOR / enacted bills where we have spot-checked). Actual paystubs can differ due to local taxes, benefits, extra withholdings, or employer rounding. Treat results as estimates, not tax advice. See our methodology page.
Iowa uses a flat 3.80% state income tax (about $16,100 single standard deduction in our model). At $60,000 single, our paycheck estimate is about $48,722/year ($1,873.92 biweekly) after federal tax and FICA as well. Rates come from the same tables as the calculator engine.
Iowa’s main paycheck state line is the flat 3.80% tax in our model. If your city or county withholds a local tax, enter a custom local % (or a mapped ZIP when available).
Recent reforms flattened the individual income tax structure used in our engine. Treat older blog posts with multi-bracket Iowa tables as outdated unless they match current Iowa DOR guidance.
Both are relatively flat statewide systems, but rates and deductions differ. Use the Iowa and Illinois calculators with identical inputs — the net gap is usually smaller than Iowa vs a no-tax state like South Dakota.
