2026 Iowa Paycheck Calculator
Updated 2026 · IRS Pub 15-T · SSA · Iowa DOR · Private browser calculation
On a $100,000 salary in Iowa, a single filer keeps about $75,874 take-home per year (24.1% effective tax rate) after federal, Iowa state, and FICA withholding in 2026.
2026 data verified · Last checked June 11, 2026
In Iowa, a single filer earning $75,000 per year takes home approximately $59,237 after taxes (2026). Federal tax: $7,670 | Iowa state tax: $2,356 | FICA: $5,738.
21.0% effective tax rate
Iowa uses a flat-rate state income tax structure, meaning the same marginal rate applies across income levels for withholding purposes. Your Iowa state withholding amount scales with your gross pay and filing status, but it does not climb through multiple state tax brackets the way progressive systems do. Federal income tax and FICA still apply on top of state withholding.
See how all 51 states rank for take-home pay in our Best States for Take-Home Pay 2026 research study.
Most W-2 paychecks in Iowa include several standard withholding categories. Your employer uses IRS Publication 15-T tables for federal income tax, then applies payroll taxes and any state or local taxes required for your work location.
Your annual salary is the same whether you are paid weekly, biweekly, semi-monthly, or monthly, but each paycheck amount differs because the number of pay periods changes. Weekly pay divides your annual gross into 52 checks; biweekly into 26; semi-monthly into 24; and monthly into 12. Withholding tables account for pay frequency, so per-check federal and state amounts may not be a simple annual total divided evenly. Comparing offers or budgeting often requires looking at both per-paycheck net and annual take-home together.
Filing status — Single, Married Filing Jointly, or Head of Household — changes the withholding brackets your employer uses for federal income tax and, in most states with income tax, for state withholding as well. Two employees earning the same salary in Iowa can have different net pay if their filing status or W-4 entries differ. Updating your W-4 after a marriage, divorce, or dependent change is the most common way to align withholding with your expected tax situation.
See take-home pay for common jobs in Iowa after federal and state taxes:
Iowa applies a flat 3.80% state income tax rate to taxable wages instead of using multiple brackets.
Federal income tax and FICA are withheld separately, so the state line on your paycheck stays proportionate as income changes.
Iowa can also impose local payroll taxes in some cities or counties, so your paycheck may show an additional withholding line depending on where you live or work.
Use the calculator above to adjust salary, filing status, pay frequency, and deductions for a more specific Iowa paycheck estimate.
Use this page with the Iowa bonus tax calculator when a supplemental paycheck uses flat withholding, or read how overtime is taxed in 2026 if extra hours push a pay period into a higher bracket.
For relocation math, Iowa vs Illinois shows the same salary side by side. · State Income Tax Rankings 2026 · W-4 withholding optimization · 401(k) paycheck impact.
Net pay is the amount you actually receive after payroll deductions. It starts with gross pay, then subtracts federal income tax, Social Security, Medicare, state or local tax, and any voluntary deductions.
Take-home pay equals gross pay minus taxes and deductions. A paycheck calculator applies federal withholding, FICA, state income tax, local taxes where applicable, and pre-tax or post-tax deductions in the correct order.
Gross pay is earnings before deductions. Net pay is what remains after payroll taxes, benefits, retirement contributions, insurance premiums, garnishments, and other paycheck deductions.
Pre-tax deductions can reduce taxable wages before income tax is calculated. A 401(k), HSA, or FSA may lower federal and state taxable income, but some deductions do not reduce Social Security or Medicare wages.
Post-tax deductions are taken after payroll taxes are calculated. Examples may include Roth 401(k) contributions, certain insurance payments, wage garnishments, or after-tax benefits.
Yes. Iowa uses a flat 3.8% individual income tax rate for all levels of taxable individual income in 2026. This replaced the older multi-bracket structure.
A single filer earning $75,000 in Iowa should expect roughly $2,500 to $3,000 of Iowa income tax for the year, depending on deductions and credits. This is an estimate and excludes federal tax and FICA.
Iowa's move to a flat 3.8% tax makes the calculation easier, but withholding still depends on Iowa taxable wages and allowances. Supplemental wages may also use the highest applicable individual rate.
Iowa does not tax Social Security benefits. Iowa also excludes qualifying retirement income for eligible taxpayers, including many taxpayers age 55 or older.
Assumptions: Single filer · Standard deduction · Biweekly pay · No pre-tax deductions · Estimates paycheck withholding, not final tax liability · Source: state DOR + IRS Pub 15-T, 2026
Tax rates verified for 2026 tax year.
ExactTakeHome starts with gross pay, applies your pay frequency, subtracts eligible pre-tax deductions (401k, HSA, FSA) from federal taxable wages, calculates federal income tax withholding using IRS Publication 15-T percentage method tables, applies Social Security (6.2% up to $184,500 wage base) and Medicare (1.45%) taxes on gross wages, then applies Iowa state income tax using the 2026 withholding tables from the Iowa Department of Revenue. Local tax is applied where available (NYC, Philadelphia, Columbus OH). Final take-home is an estimate of paycheck withholding, not your final tax return liability.
Calculate your Iowa take-home pay after federal withholding, FICA, state taxes, local taxes, and pre-tax deductions.
Pre-tax deductions like 401(k), HSA, and health insurance premiums reduce your taxable wages before federal income tax is calculated. This means you pay less tax on every paycheck — not just defer the money.
Why take-home increases: A 6% 401(k) contribution on $75,000 reduces taxable wages by $4,500, cutting both federal income tax and Iowa state income tax on that amount. Social Security and Medicare still apply to the original gross wages.
Pay frequency changes your paycheck size, not your annual salary. Withholding tables annualise each paycheck, so weekly and monthly results may differ slightly from biweekly.
Based on $75,000 annual salary, single filing status, no pre-tax deductions, Iowa withholding. Use the calculator above for your exact filing status and deductions.
Iowa is important for retirees and workers with mixed income because wage withholding and retirement-income treatment are not always the same issue. Border workers should also pay attention to where wages are earned because nearby states may have different rules.
Iowa uses a flat state income tax structure for current wage withholding. That makes the state tax calculation easier to explain than a progressive bracket system.
Many wage workers still need to file an Iowa return if they have Iowa income or withholding. A flat tax changes the calculation style, not the filing responsibility.
Quick answer: $100,000 after taxes in Iowa (2026)
Estimated take-home pay: $75,874/year ($6,323/month · $2,918/biweekly). Effective tax rate: 24.1%.
Iowa paychecks start with federal income tax withholding under IRS Publication 15-T's wage-bracket or percentage method, applied using Form W-4, taxable wages, pay schedule, and filing status.
FICA is calculated separately: Social Security is 6.2% on covered wages up to the 2026 wage base of $184,500, Medicare is 1.45% on all covered wages, and the 0.9% Additional Medicare Tax is withheld after an employee's wages exceed $200,000 in the calendar year.
Iowa's individual income tax is a flat 3.8% rate for 2026, announced by the Iowa Department of Revenue as part of the state's ongoing income tax reform.
Iowa does not have a separate statewide employee SDI or paid family leave payroll deduction beyond state income tax withholding.
Estimates assume standard 2026 withholding, single filing status, and no pre-tax deductions; actual paycheck may differ.
| Tax | 2026 Rate | Wage Cap | Source |
|---|---|---|---|
| Federal Income Tax | 10%–37% (percentage-method withholding) | No wage cap | IRS Pub. 15-T |
| Social Security | 6.2% employee withholding | $184,500 | SSA 2026 |
| Medicare | 1.45% employee withholding | No wage cap | IRS Pub. 15 |
| Additional Medicare Surtax | 0.9% on wages over $200,000 | No wage cap | IRS Topic 560 |
| Iowa State Income Tax | 3.8% flat | No wage cap | Iowa DOR 2026 |
Compare two salary offers in different states
Compare Iowa take-home with other states:
The Iowa paycheck calculator computes your exact take-home pay for 2026.
For a $75,000 salary, a single filer in Iowa takes home $59,237 per year ($2,278 per biweekly paycheck) after federal and state taxes.
Example Calculation — $75,000 Salary
$75,000 salary in Iowa
$59,237/year
$2,278 per biweekly paycheck
21.0% effective tax rate| Federal income tax | -$7,670 |
| Social Security (6.2%) | -$4,650 |
| Medicare (1.45%) | -$1,088 |
| Iowa state tax | -$2,356 |
Assumptions: Single filer · Biweekly · No 401(k) · Standard W-4 · Customize below ↓
Iowa uses a flat 3.8% state income tax rate on all taxable wages in 2026. For a single filer earning $100,000, the effective Iowa state income tax rate is approximately 3.31%, and the annual take-home pay is approximately $75,874 after all taxes.
Use the calculator above to enter your exact salary, filing status, and pre-tax deductions for a precise Iowa take-home pay estimate.
Iowa uses a flat state income tax structure for wage income under recent reforms. For workers, the state withholding side is simpler than the older multi-bracket approach, though federal and benefit deductions still vary.
ExactTakeHome tax data is sourced from official government publications and verified against primary sources. Last verified: .