Iowa · tax year 2026
Iowa paycheck calculator
Iowa taxes federal taxable income at a flat 3.8%, less a $40 credit per person. On $85,000 a year, a single person here takes home about $66,049, or $2,540.36 every two weeks.
Estimated take-home pay · 2026
Biweekly pay · Single · Iowa
$2,540.36 per paycheck
from $3,269.23 before taxes · 26 paychecks a year
Where each dollar goes
- Take-home pay77.7%$66,049
- Federal income tax11.6%$9,870
- Social Security and Medicare7.6%$6,503
- State taxes3.0%$2,578
Line by line
Per paycheckPer yearPay
Taxes
Federal income tax$379.62$9,870
2026 brackets after the $16,100 standard deduction, worked out for the year and spread over your paychecks. IRS Rev. Proc. 2025-32
Social Security$202.69$5,270
6.2% of wages up to $184,500. Traditional 401(k) contributions do not reduce it. SSA wage base · 2026
Medicare$47.40$1,233
1.45% of wages, with no cap. IRS Pub. 15 · 2026
Iowa income tax$99.16$2,578
Iowa taxes federal taxable income at a flat 3.8%, less a $40 credit per person. Iowa · 2026
Tap a line to see how it was worked out. Each paycheck is the year's figure divided by 26 and rounded to the cent.
Show the math
Federal income tax for the year
| Wages | $85,000.00 |
|---|---|
| Standard deduction | −$16,100.00 |
| Taxable income | $68,900.00 |
| Tax from the 2026 brackets | $9,870.00 |
| Federal income tax | $9,870.00 |
Iowa income tax for the year
| Wages taxed by the state | $85,000.00 |
|---|---|
| Standard deduction | −$16,100.00 |
| Taxable income | $68,900.00 |
| Tax from the rate schedule | $2,618.20 |
| Exemption credits | −$40.00 |
| Iowa income tax | $2,578.20 |
Sources for these figures
- 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
- IRS, 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500
- 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
- Iowa Department of Revenue, 2026 withholding formula
- Iowa Department of Revenue, Impact of the One Big Beautiful Bill Act on employee withholding
What if
Estimate for tax year 2026. Your real paycheck depends on your W-4, your benefits and your employer's payroll system. This is education, not tax, payroll or financial advice.
Take-home pay in Iowa by salary
| Salary | Federal income tax | Social Security and Medicare | State income tax | Take-home a year | A month | Every 2 weeks |
|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $488 | $25,797 | $2,150 | $992.18 |
| $40,000 | $2,620 | $3,060 | $868 | $33,452 | $2,788 | $1,286.61 |
| $50,000 | $3,820 | $3,825 | $1,248 | $41,107 | $3,426 | $1,581.04 |
| $60,000 | $5,020 | $4,590 | $1,628 | $48,762 | $4,063 | $1,875.45 |
| $75,000 | $7,670 | $5,738 | $2,198 | $59,394 | $4,950 | $2,284.39 |
| $100,000 | $13,170 | $7,650 | $3,148 | $76,032 | $6,336 | $2,924.30 |
| $150,000 | $24,734 | $11,475 | $5,048 | $108,743 | $9,062 | $4,182.42 |
| $200,000 | $36,734 | $14,339 | $6,948 | $141,979 | $11,832 | $5,460.72 |
$30,000 in Iowa $40,000 in Iowa $50,000 in Iowa $60,000 in Iowa $70,000 in Iowa $75,000 in Iowa $80,000 in Iowa $90,000 in Iowa $100,000 in Iowa $120,000 in Iowa $150,000 in Iowa $200,000 in Iowa
Iowa income tax in 2026
Iowa taxes federal taxable income at a flat 3.8%, less a $40 credit per person.
Iowa starts from federal taxable income, so the federal standard deduction applies. Some school districts add a surtax on the state tax, which is not included. Iowa starts from federal taxable income and follows the federal deductions for tips and overtime premium pay, so the amounts deducted on the federal return also come off Iowa taxable income. Iowa withholding does not take them into account, so the saving arrives at tax time.
- Standard deduction: the same as the federal one: $16,100 single, $32,200 married filing jointly, $24,150 head of household.
- Personal credit: $40 for you ($80 for a couple) and $40 for each dependent, taken off the tax.
- 401(k): traditional contributions come out before Iowa income tax, as they do for federal tax.
| Taxable income | Rate |
|---|---|
| Over $0 | 3.8% |
Other paycheck deductions in Iowa
Iowa takes no other state payroll deductions from employees. Apart from state income tax, the only deductions required by law are Social Security and Medicare.
City and county income taxes in Iowa
Iowa has no city or county income tax in this calculator. If you pay one that is not listed, you can enter its percentage in the calculator under “W-4 and other details”.
How Iowa compares
On $85,000 a year, Iowa ranks 15 of 51 for take-home pay among the states and D.C. (1 keeps the most). City and county taxes are not counted in this comparison.
| State | Income tax | State taxes on $85,000 | Take-home a year | Against Iowa | |
|---|---|---|---|---|---|
| Iowa | 3.8% flat | $2,578 | $66,049 | ||
| Illinois | 4.95% flat | $4,063 | $64,565 | −$1,485 | Compare |
| Minnesota | 5.35% to 9.85% | $4,631 | $63,997 | −$2,052 | Compare |
| Missouri | 2% to 4.7% | $2,988 | $65,639 | −$410 | Compare |
| Nebraska | 2.46% to 4.55% | $2,988 | $65,640 | −$410 | Compare |
| South Dakota | No tax on wages | $0 | $68,628 | +$2,578 | Compare |
| Wisconsin | 3.5% to 7.65% | $3,537 | $65,090 | −$959 | Compare |
Iowa paycheck questions
How much is $60,000 a year after taxes in Iowa?
About $48,762 a year, or $4,063 a month, for a single person with no other deductions. That is after $5,020 in federal income tax, $4,590 for Social Security and Medicare, $1,628 in Iowa income tax.
How much is $100,000 a year after taxes in Iowa?
About $76,032 a year, or $6,336 a month, for a single person with no other deductions. That is after $13,170 in federal income tax, $7,650 for Social Security and Medicare, $3,148 in Iowa income tax.
What is the Iowa income tax rate for 2026?
Iowa taxes federal taxable income at a flat 3.8%, less a $40 credit per person.
Does Iowa tax 401(k) contributions?
No. Traditional 401(k) contributions come out of your pay before Iowa income tax, just as they do for federal income tax. Social Security and Medicare are still charged on them.
Are there city or county income taxes in Iowa?
Not in this calculator. If your city or county charges one, you can enter the percentage yourself.
Sources
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026
- Iowa Department of Revenue, 2026 withholding formula
- Iowa Department of Revenue, Impact of the One Big Beautiful Bill Act on employee withholding
- IRS newsroom, tax year 2026 inflation adjustments (Rev. Proc. 2025-32)
- Rev. Proc. 2025-32 (PDF)
- SSA, Contribution and benefit base
Iowa figures last checked on October 11, 2026. Latest update: State treatment of the federal tips and overtime deductions added. If something looks wrong, tell us.