Iowa Paycheck Calculator 2026
Enter your pay and your IA W-4 to see what lands in your bank account. Iowa takes a flat 3.8% of your pay after a yearly deduction of $13,000 or more and your IA W-4 allowances - we show every step.
How much does Iowa take out for taxes? On a $60,000 salary paid every two weeks (single, standard W-4), Iowa takes $67.15 of each $2,307.69 paycheck - 2.9% of pay. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $436.77 comes out in all - 18.9% - and you keep $1,870.92.
= $935.46 a week · $4,053.67 a month · $48,644.10 a year
Gross pay$2,307.69$60,000.00
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−$193.08−$5,020.00
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 · $2,307.69 × 26 paychecks | $60,000.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $51,400.00 |
| Tax from the IRS yearly table · standard table | $5,020.00 |
| Federal income tax per paycheck · divided by 26 | $193.08 |
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: $51,400.00, 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% × ($51,400.00 − $19,900.00) = $5,020.00
Source: IRS Publication 15-T (2026) · checked Sep 21, 2026
Social Security (6.2%)−$143.08−$3,720.00
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%)−$33.46−$870.00
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−$67.15−$1,745.90
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 | $2,307.69 |
| Minus Iowa deduction amount · other (including single) ($13,000 a year) | −$500.00 |
| Taxable pay this paycheck | $1,807.69 |
| Iowa tax before allowances · × 3.8% flat rate | $68.69 |
| Minus IA W-4 allowances · $40 ÷ 26 paychecks | −$1.54 |
| Iowa tax from the formula this paycheck | $67.15 |
| Iowa income tax this paycheck · 2026 withholding formula | $67.15 |
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
What comes out of an Iowa paycheck
- Federal income tax withholding - worked out from your pay and your Form W-4, using the IRS tables for 2026.
- Social Security - 6.2% of your pay, up to $184,500 of pay in 2026. Above that, it stops for the rest of the year.
- Medicare - 1.45% of all your pay, plus 0.9% on pay above $200,000 in the year.
An Iowa paycheck has one state line:
- Iowa income tax: 3.8% of your pay after pre-tax 401(k) and health benefits and a deduction amount that depends on the filing status on your IA W-4. Your IA W-4 allowances then lower the tax a little more.
There is no employee deduction for unemployment insurance. Iowa Workforce Development says it is a tax paid entirely by employers, and that you do not pay any part of the cost.
What's different about Iowa
How the state tax is worked out
Your employer follows the Department of Revenue's 2026 withholding formula. First it takes a deduction amount off your pay for the paycheck. For a year that is $13,000 if you checked "Other" (or are married and your spouse also has earned income), $19,500 for head of household, and $26,000 if you are married filing jointly and your spouse has no earned income. On a bi-weekly paycheck those are $500, $750 and $1,000. What is left is taxed at 3.8%. Then your IA W-4 allowance amount, divided by the number of paychecks in a year, is taken off the tax. Open the "Iowa income tax" line in the result to see each step.
The IA W-4 uses dollars, not a count
On the IA W-4, allowances are dollar amounts that come straight off your yearly tax: $40 for yourself ($80 if you are an unmarried head of household), $20 more if you are 65 or older or blind, and $40 for each dependent. Line 7 adds them up, and line 8 lets you ask for an extra amount from each paycheck. If your IA W-4 is from 2023 or earlier, your employer counts $40 for each allowance you claimed on it. If you never gave your employer an IA W-4, Iowa's rules treat you as claiming no allowances.
School district surtax
Many Iowa school districts add a surtax, figured as a percentage of your Iowa income tax on your return. It depends on the district you live in on December 31. The withholding formula does not include it. The IA W-4 says that if you live in a district with a surtax, you can lower your allowances or ask for extra tax to be taken out.
Paydays and your last paycheck
Iowa employers must pay on regular paydays at least once a month, and payday can be no more than 12 days (not counting Sundays and legal holidays) after the end of the pay period. If you quit or are let go, your final wages are due by the next regular payday. If you are owed wages, you can file a wage claim with the Department of Inspections, Appeals, and Licensing if it has been less than 365 days since the wages were due, the amount is under $6,500, and all the work was done in Iowa.
Iowa salary after tax
Each answer is worked out by the same calculator as above, for a single filer paid every two weeks with a standard W-4 and no 401(k) or benefits. Jump to: $35,000 · $45,000 · $55,000 · $60,000 · $65,000 · $75,000 · $80,000 · $90,000 · $100,000 · $120,000 · $150,000
How much is $35,000 a year after tax in Iowa?
About $29,507 a year - $1,134.87 every two weeks, or about $2,459 a month. That's after $2,020 of federal income tax, $2,678 of Social Security and Medicare and $796 in Iowa taxes; you keep 84%. Try $35,000 with your own W-4 and deductions.
How much is $45,000 a year after tax in Iowa?
About $37,162 a year - $1,429.28 every two weeks, or about $3,097 a month. That's after $3,220 of federal income tax, $3,443 of Social Security and Medicare and $1,176 in Iowa taxes; you keep 83%. Try $45,000 with your own W-4 and deductions.
How much is $55,000 a year after tax in Iowa?
About $44,817 a year - $1,723.72 every two weeks, or about $3,735 a month. That's after $4,420 of federal income tax, $4,208 of Social Security and Medicare and $1,556 in Iowa taxes; you keep 81%. Try $55,000 with your own W-4 and deductions.
How much is $60,000 a year after tax in Iowa?
About $48,644 a year - $1,870.92 every two weeks, or about $4,054 a month. That's after $5,020 of federal income tax, $4,590 of Social Security and Medicare and $1,746 in Iowa taxes; you keep 81%. Try $60,000 with your own W-4 and deductions.
How much is $65,000 a year after tax in Iowa?
About $52,472 a year - $2,018.14 every two weeks, or about $4,373 a month. That's after $5,620 of federal income tax, $4,973 of Social Security and Medicare and $1,936 in Iowa taxes; you keep 81%. Try $65,000 with your own W-4 and deductions.
How much is $75,000 a year after tax in Iowa?
About $59,276 a year - $2,279.86 every two weeks, or about $4,940 a month. That's after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $2,316 in Iowa taxes; you keep 79%. Try $75,000 with your own W-4 and deductions.
How much is $80,000 a year after tax in Iowa?
About $62,604 a year - $2,407.84 every two weeks, or about $5,217 a month. That's after $8,770 of federal income tax, $6,120 of Social Security and Medicare and $2,506 in Iowa taxes; you keep 78%. Try $80,000 with your own W-4 and deductions.
How much is $90,000 a year after tax in Iowa?
About $69,259 a year - $2,663.81 every two weeks, or about $5,772 a month. That's after $10,970 of federal income tax, $6,885 of Social Security and Medicare and $2,886 in Iowa taxes; you keep 77%. Try $90,000 with your own W-4 and deductions.
How much is $100,000 a year after tax in Iowa?
About $75,914 a year - $2,919.77 every two weeks, or about $6,326 a month. That's after $13,170 of federal income tax, $7,650 of Social Security and Medicare and $3,266 in Iowa taxes; you keep 76%. Try $100,000 with your own W-4 and deductions.
How much is $120,000 a year after tax in Iowa?
About $89,224 a year - $3,431.70 every two weeks, or about $7,435 a month. That's after $17,570 of federal income tax, $9,180 of Social Security and Medicare and $4,026 in Iowa taxes; you keep 74%. Try $120,000 with your own W-4 and deductions.
How much is $150,000 a year after tax in Iowa?
About $108,625 a year - $4,177.89 every two weeks, or about $9,052 a month. That's after $24,734 of federal income tax, $11,475 of Social Security and Medicare and $5,166 in Iowa taxes; you keep 72%. Try $150,000 with your own W-4 and deductions.
Iowa vs neighboring states
Take-home pay on a $60,000 salary, single filer paid every two weeks with a standard W-4. "State taxes" counts state and local income tax withheld (with each calculator's default choices) plus any employee-paid state payroll premium; federal tax, Social Security and Medicare are the same everywhere.
| State | State taxes | Take-home | vs here |
|---|---|---|---|
| South Dakota | $0 | $50,390 | +$1,746 |
| Iowa | $1,746 | $48,644 | - |
| Missouri | $1,872 | $48,518 | −$126 |
| Nebraska | $2,124 | $48,266 | −$378 |
| Wisconsin | $2,765 | $47,625 | −$1,019 |
| Illinois | $2,825 | $47,565 | −$1,079 |
| Minnesota | $3,541 | $46,849 | −$1,795 |
Local income taxes (city, county or school district) aren't included for Missouri - enter your rate on the state's calculator.
Where you live and where you work can both matter when the two states differ - check each state's page.
What changed for 2026
Iowa's flat 3.8% rate applies to all taxable income in 2026. The withholding formula and the IA W-4 were revised for 2026 to follow federal tax changes.
- New federal withholding tables. The IRS updated Publication 15-T for 2026, including changes from the 2025 tax law. The standard deduction is $16,100 single, $32,200 married filing jointly, and $24,150 head of household.
- Social Security wage base: $184,500 (up from $176,100). If you earn more, Social Security stops later in the year.
- Tips and overtime deductions for 2025–2028 - see below.
- State income tax: 3.8% flat.
- Deduction amount in the withholding formula: $13,000 a year for "Other", $19,500 for head of household, $26,000 for married filing jointly when your spouse has no earned income.
- IA W-4 allowance for yourself: $40.
- Minimum wage: still $7.25.
Why your paycheck might differ from this
- Your W-4. Credits for children (Step 3), a checked Step 2 box, or extra withholding (Step 4c) change the federal amount a lot. Open "Tips, 401(k), health insurance and W-4 details" above to enter them.
- Benefits taken before tax. Health insurance through work usually lowers income tax and Social Security and Medicare. A traditional 401(k) lowers income tax only.
- Rounding. Payroll software may round each step, so a few cents of difference is normal.
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.
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
How much does Iowa take out for taxes?
On a $60,000 salary paid every two weeks (single, standard W-4), Iowa takes $67.15 of each $2,307.69 paycheck - 2.9% of pay. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $436.77 comes out in all - 18.9% - and you keep $1,870.92.
How much Iowa tax comes out of my paycheck?
3.8% of your pay after pre-tax 401(k), health benefits and the deduction amount for your filing status, minus your IA W-4 allowance amount spread over your paychecks.
How much is taken out of a $1,000 paycheck in Iowa?
For a single filer paid every two weeks with nothing else on the W-4, a $1,000 paycheck has about $38.08 of federal income tax, $62.00 of Social Security and $14.50 of Medicare taken out, $17.46 of Iowa income tax, leaving $867.96. Enter your own details in the calculator for your exact figure.
What does my employer use if I never filled in an IA W-4?
Iowa's rules treat you as claiming no allowances, and the formula uses the $13,000 deduction amount. That means a little more tax comes out than with the usual $40 allowance for yourself.
Is the school district surtax taken out of my paycheck?
Not by the withholding formula. You pay it on your Iowa return. You can lower your IA W-4 allowances or ask for extra withholding to cover it.
Is unemployment insurance taken out of Iowa paychecks?
No. Iowa Workforce Development says employers pay the whole cost.