Iowa
Iowa paycheck calculator
Iowa finished its move to a flat income tax: 3.8% after a standard deduction tied to the 2026 federal amounts, then a small exemption credit of $40 single / $80 joint. That is a different animal from the old multi-bracket Iowa schedule recruiters still quote from memory. Des Moines and other places can have local options; this page leaves local off until you add one.
Because the deduction matches federal sizing, Iowa taxable wages often look familiar if you just glanced at your federal base — then the flat 3.8% applies. A traditional 401(k) reduces that base here; FICA does not. School district or city surtaxes, where they exist, need a custom percent rather than a guess.
Iowa has reciprocity conversations with several neighbors. Marking a work state can surface a note; the estimate still taxes the state you opened and does not compute credits for tax paid elsewhere.
Example take-home
| Salary | Federal | FICA | State | Payroll | Local | Net / year | Net / check |
|---|---|---|---|---|---|---|---|
| $40,000.00 | $2,620.00 | $3,060.00 | $868.20 | $0.00 | $0.00 | $33,451.80 | $1,286.61 |
| $60,000.00 | $5,020.00 | $4,590.00 | $1,628.20 | $0.00 | $0.00 | $48,761.80 | $1,875.45 |
| $80,000.00 | $8,770.00 | $6,120.00 | $2,388.20 | $0.00 | $0.00 | $62,721.80 | $2,412.37 |
| $100,000.00 | $13,170.00 | $7,650.00 | $3,148.20 | $0.00 | $0.00 | $76,031.80 | $2,924.30 |
| $150,000.00 | $24,734.00 | $11,475.00 | $5,048.20 | $0.00 | $0.00 | $108,742.80 | $4,182.42 |
Loading the 2026 calculator…
What this page includes
- Federal income tax using the 2026 standard deduction and Rev. Proc. 2025-32 brackets
- Social Security (6.2% up to $184,500) and Medicare (1.45%, plus Additional Medicare when wages clear the filing-status threshold)
- Iowa: flat state income tax at 3.8%
- No employee state disability / paid-leave premium modeled for this state yet
- Local wage tax only if you select a city/county or enter a custom percent
Local tax
Iowa can have local wage taxes in some places. This page leaves local tax off until you select a named jurisdiction or enter a custom percent.
What is not included
Credits, itemized deductions, multi-state credits, property tax, sales tax, and unsourced local rates are not included. Employer payroll tables can differ from this annualized estimate. This Iowa page does not invent taxes that are missing from the 2026 data files.
Questions
Is Iowa still a graduated tax in 2026?
Not in this model. Wages are taxed at a flat 3.8% after the federal-sized standard deduction and a small exemption credit.
What is the $40 / $80 line?
A personal exemption credit subtracted after the flat tax is computed, not a large deduction.
Are Iowa school district taxes included?
Not automatically. Enter a custom local percent if your stub shows one.
Nearby
Compare · Bonus · Hourly · All states · Local taxes
Sources
- IRS newsroom, tax year 2026 inflation adjustments (Rev. Proc. 2025-32)
- Rev. Proc. 2025-32 (PDF)
- Tax Foundation, 2026 federal income tax brackets
- IRS Publication 15-T, Federal Income Tax Withholding Methods
- SSA, Contribution and benefit base
- IRS Publication 15 (Circular E), Employer's Tax Guide
- IRS, Questions and answers for the Additional Medicare Tax
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026
- IRS, state government websites index
See a rate that looks wrong? The sources and the gaps are public.