Iowa Hourly Paycheck Calculator
Your hourly rate and hours in, your take-home pay out. Overtime is paid at 1.5× your rate; tips you report are taxed like wages.
= $664.59 a week · $2,879.90 a month · $34,558.84 a year
Gross pay$1,600.00$41,600.00
Your pay before anything is taken out: yearly pay divided by the 26 paychecks in a year (hourly pay is a week's pay × 52, spread the same way).
Federal income tax · withheld−$108.15−$2,812.00
Worked out from your pay and your Form W-4 with the IRS percentage method (Worksheet 1A): yearly pay, minus the allowance for your filing status, into the 2026 annual table, minus W-4 credits, divided by paychecks. Each line, for this paycheck:
| Pay subject to income tax, for the year · $1,600.00 × 26 paychecks | $41,600.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $33,000.00 |
| Tax from the IRS yearly table · standard table | $2,812.00 |
| Federal income tax per paycheck · divided by 26 | $108.15 |
IRS Publication 15-T (2026), Worksheet 1A - the percentage method payroll software uses for a Form W-4 from 2020 or later. Your employer's figure can differ by a few cents because of rounding.
Adjusted yearly wage: $33,000.00, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $7,500 | $0.00 | 0% |
| $7,500 | $19,900 | $0.00 | 10% |
| $19,900 | $57,900 | $1,240.00 | 12% Your row |
| $57,900 | $113,200 | $5,800.00 | 22% |
| $113,200 | $209,275 | $17,966.00 | 24% |
| $209,275 | $263,725 | $41,024.00 | 32% |
| $263,725 | $648,100 | $58,448.00 | 35% |
| $648,100 | - | $192,979.25 | 37% |
$1,240.00 + 12% × ($33,000.00 − $19,900.00) = $2,812.00
Source: IRS Publication 15-T (2026) · checked Sep 21, 2026
Social Security (6.2%)−$99.20−$2,579.20
6.2% of your pay (after pre-tax benefits, not after 401(k)) up to $184,500 of pay in 2026. Once your pay for the year passes that, it stops until January. Stubs often call it OASDI or FICA.
Source: Social Security Administration - 2026 wage base · checked Sep 21, 2026
Medicare (1.45%)−$23.20−$603.20
1.45% of all your pay, with no yearly limit, plus 0.9% Additional Medicare on pay above $200,000 in the year.
Source: IRS Publication 15 (2026) · checked Sep 21, 2026
Iowa income tax · withheld−$40.26−$1,046.76
3.8% flat rate, after a deduction and your IA W-4 allowances. Worked out with Iowa's official 2026 withholding method, step by step:
| Pay subject to Iowa tax this paycheck · after pre-tax 401(k) and benefits | $1,600.00 |
| Minus Iowa deduction amount · other (including single) ($13,000 a year) | −$500.00 |
| Taxable pay this paycheck | $1,100.00 |
| Iowa tax before allowances · × 3.8% flat rate | $41.80 |
| Minus IA W-4 allowances · $40 ÷ 26 paychecks | −$1.54 |
| Iowa tax from the formula this paycheck | $40.26 |
| Iowa income tax this paycheck · 2026 withholding formula | $40.26 |
Source: Iowa Admin. Code r. 701 - 307.2, Computation of amount withheld (supplemental wages) - Iowa Legislature · checked Oct 16, 2026
Built by Ashish Hirpara · figures from IRS and state publications · sources · corrections
Hourly pay in Iowa
Iowa's minimum wage is $7.25 an hour, in effect since January 1, 2008. Tips can count for up to 40% of the minimum wage, so tipped workers must get at least $4.35 an hour in cash from their employer, with tips making up the rest.
Overtime. Iowa's minimum wage law does not set overtime rules, and the state's labor office sends overtime questions to the U.S. Department of Labor. Under federal law, most hourly workers get time-and-a-half for hours over 40 in a workweek.
Extra hours raise your Iowa tax. The deduction and allowances are fixed amounts per paycheck, so every extra dollar you earn is taxed at 3.8%.
Minimum wage after taxes in Iowa
At Iowa's minimum wage of $7.25 an hour (since January 1, 2008), a full-time worker takes home about $534.13 every two weeks - $13,887 a year, or $6.68 for each hour worked after tax. No increase is scheduled.
| Minimum wage, $7.25/hour | Gross per paycheck | Take-home per paycheck | Take-home a year | After tax per hour |
|---|---|---|---|---|
| 40 hours a week | $580.00 | $534.13 | $13,887 | $6.68 |
| 30 hours a week | $435.00 | $401.72 | $10,445 | $6.70 |
| 20 hours a week | $290.00 | $267.81 | $6,963 | $6.70 |
Paid every two weeks, single filer, standard W-4, no benefits. Tipped workers can be paid $4.35 an hour in cash if tips bring them to the full minimum; their tax depends on the tips they report. Every state's figures: minimum wage after taxes by state.
Take-home at common hourly rates in Iowa
Full time (40 hours a week), paid every two weeks, single filer with a standard W-4 and no benefits. The last column is what you keep for each hour worked.
| Hourly rate | Take-home per paycheck | Take-home a year | Kept per hour |
|---|---|---|---|
| $7.25 (minimum wage) | $534.13 | $13,887 | $6.68 |
| $15 | $1,022.99 | $26,598 | $12.79 |
| $18 | $1,206.71 | $31,374 | $15.08 |
| $20 | $1,329.19 | $34,559 | $16.61 |
| $22 | $1,451.67 | $37,743 | $18.15 |
| $25 | $1,635.39 | $42,520 | $20.44 |
| $30 | $1,941.59 | $50,481 | $24.27 |
Part time and overtime at $20 an hour in Iowa
Every two weeks, single filer, standard W-4. Overtime is paid at 1.5 times the rate. More hours mean a larger share is withheld, because withholding is worked out as if each paycheck were repeated all year.
| Hours a week | Gross per paycheck | Take-home per paycheck | Kept |
|---|---|---|---|
| 20 hours | $800.00 | $710.86 | 89% |
| 30 hours | $1,200.00 | $1,022.99 | 85% |
| 40 hours | $1,600.00 | $1,329.19 | 83% |
| 40 hours + 5 overtime | $1,900.00 | $1,558.84 | 82% |
| 40 hours + 10 overtime | $2,200.00 | $1,788.49 | 81% |
Because hours change from week to week, your withholding changes too: a week with lots of overtime is withheld as if you earned that much every week, so more comes out. It usually evens out when you file your return.
Tips and overtime in 2026
New federal deductions apply for 2025 through 2028: up to $25,000 for qualified tips, and up to $12,500 ($25,000 for joint filers) for the extra "half" of time-and-a-half overtime. Both phase out above $150,000 of income ($300,000 joint).
These are deductions on your tax return. Your employer still takes Social Security and Medicare out of tips and overtime, and still withholds income tax unless you tell it otherwise. If you expect to claim them, you can put the expected amount in Step 4(b) of your W-4 (and in the Step 4(b) box above) so less income tax is withheld during the year.
Every line that comes out of an Iowa paycheck, with its official source, is set out on the Iowa paycheck calculator.
More for Iowa
Paycheck calculator · Hourly · Salary · Bonus tax · Rent you can afford · Employer payroll taxes
Other tools: What changed for 2026 · Hourly to salary · Salary to hourly · Overtime · Raise · Net to gross · Compare two states · All state tax rates · How Iowa ranks on $75,000 · Pay stub checker · W-4 guide
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Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods - Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide - Social Security and Medicare rates
- Social Security Administration - 2026 wage base of $184,500
- IRS - tips and overtime deductions
- Iowa Admin. Code r. 701 - 307.2, Computation of amount withheld (supplemental wages) - Iowa Legislature - when federal tax is withheld on a flat-rate basis, Iowa tax on supplemental wages at 6% without allowances; otherwise treated as a regular wage payment. Current rule text, last changed by editorial change 11/2/22; IDR's 2026 withholding tables and guidance don't set another rate (checked Sep 28, 2026)
- Iowa Department of Revenue - Iowa Individual Income Tax Withholding Formula, Effective January 1, 2026 (released November 2025) - T1 = wages − deduction amount; T2 = T1 × 3.80%; T3 = T2 − allowance amount ÷ pay periods; T4 = T3 + additional; deduction amounts $13,000 / $19,500 / $26,000 a year; ten worked examples
- Iowa Department of Revenue - Iowa Withholding Tables Effective January 1, 2026 (released November 2025)
- Iowa Department of Revenue - 2026 IA W-4 Employee Withholding Allowance Certificate - filing status; line 1 $40 for yourself ($80 head of household), +$20 age 65 or blind; line 2 $40 per dependent; line 7 total allowances; line 8 additional amount; school district surtax advice
- Iowa Department of Revenue - IDR Announces 2026 Individual Income Tax and Interest Rates (October 21, 2025) - flat 3.8% on all levels of taxable income; Senate File 2442 (May 2024)
- Iowa Department of Revenue - IDR Issues New Income Withholding Tax Tables for 2026 (November 3, 2025) - formula and IA W-4 revised for 2026 federal law changes
- Iowa Administrative Code 701 - 307.3 - Withholding allowance certificates - an employee who fails to furnish a certificate is considered as claiming no withholding allowances
- Iowa Department of Revenue - IA 1040 expanded instructions, Line 19: School District Surtax / Emergency Medical Services Tax - surtax is a percentage of Iowa tax, based on the school district you live in on December 31, paid on the return
- Iowa Workforce Development - Unemployment Insurance Claimant Handbook 2026–2027 - "a tax paid entirely by employers"; "You do not pay any part of this cost."
- Iowa Code §91D.1 - Minimum wage - $7.25 as of January 1, 2008; tips may count for up to 40% of the minimum wage; $6.35 during the first 90 calendar days
- Iowa Code §91A.3 - Mode of payment - at least monthly, semimonthly or biweekly on regular paydays; payday no more than 12 days (excluding Sundays and legal holidays) after the end of the period
- Iowa Code §91A.4 - Payment on termination - all wages earned due no later than the next regular payday
- Iowa Department of Inspections, Appeals, and Licensing - Wage and Child Labor: Wages - wage claims: less than one year since wages were due, under $6,500, all work in Iowa; overtime questions go to the U.S. Department of Labor
- U.S. Department of Labor - Overtime pay - time and one-half after 40 hours in a workweek
Questions
What is minimum wage after taxes in Iowa?
At $7.25 an hour for 40 hours a week, about $534.13 every two weeks and $13,887 a year after federal and state taxes, Social Security and Medicare (single filer, standard W-4).
What is $15 an hour after taxes in Iowa?
Working 40 hours a week and paid every two weeks, $15 an hour is $1,200.00 before tax and about $1,022.99 after tax per paycheck - $26,598 a year - for a single filer with a standard W-4.
What is $20 an hour after taxes in Iowa?
Working 40 hours a week and paid every two weeks, $20 an hour is $1,600.00 before tax and about $1,329.19 after tax per paycheck - $34,559 a year - for a single filer with a standard W-4.
What is $25 an hour after taxes in Iowa?
Working 40 hours a week and paid every two weeks, $25 an hour is $2,000.00 before tax and about $1,635.39 after tax per paycheck - $42,520 a year - for a single filer with a standard W-4.
How much does 5 hours of overtime a week add at $20 an hour in Iowa?
Five overtime hours at $30 add $300.00 of gross pay to each two-week paycheck, and about $229.65 after tax (single filer, standard W-4).