Iowa Paycheck Calculator 2026
Estimate your Iowa take-home pay after federal income tax, Social Security, Medicare and state income tax. Uses the official 2026 federal rules.
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Iowa (IA): Iowa taxes wage income at the state level. State rules, brackets and deductions change, so this calculator uses an editable estimate of 3.8% of your pre-tax pay. Replace it with your own rate if you know it (your state revenue department publishes the current rules). Local taxes, if any, are not included.
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Educational estimate only — not tax, legal or financial advice. Actual withholding depends on your Form W-4, your employer and local rules. Confirm with a tax professional or IRS.gov.
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Iowa take-home pay by salary (2026)
Single filer, no 401(k), paid biweekly, with the default 3.8% IA state estimate:
| Gross salary | Federal tax | FICA | State tax | Take-home / year | Per biweekly paycheck |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,520 | $32,800 | $1,261.54 |
| $60,000 | $5,020 | $4,590 | $2,280 | $48,110 | $1,850.38 |
| $80,000 | $8,770 | $6,120 | $3,040 | $62,070 | $2,387.31 |
| $100,000 | $13,170 | $7,650 | $3,800 | $75,380 | $2,899.23 |
| $150,000 | $24,734 | $11,475 | $5,700 | $108,091 | $4,157.35 |
Iowa taxes wage income at the state level. State rules, brackets and deductions change, so this calculator uses an editable estimate of 3.8% of your pre-tax pay. Replace it with your own rate if you know it (your state revenue department publishes the current rules). Local taxes, if any, are not included.
How your 2026 paycheck is calculated
Your take-home pay is your gross pay minus federal income tax, Social Security and Medicare (together called FICA), state income tax and any pre-tax deductions such as a 401(k). This calculator uses the 2026 federal rules from the IRS and the Social Security Administration:
- Standard deduction (2026): $16,100 single, $32,200 married filing jointly, $24,150 head of household. It is subtracted from your income before the brackets apply.
- Social Security: 6.2% of wages up to the 2026 wage base of $184,500.
- Medicare: 1.45% of all wages, plus 0.9% on wages above $200,000 (single or head of household) or $250,000 (married filing jointly).
- Pre-tax 401(k): reduces the income that federal and state income tax apply to, but not Social Security or Medicare.
- Pre-tax benefits such as health insurance premiums paid through your employer reduce income tax and also FICA wages.
2026 federal income tax brackets
| Rate | Single (taxable income) | Married filing jointly |
|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 |
| 12% | $12,400 – $50,400 | $24,800 – $100,800 |
| 22% | $50,400 – $105,700 | $100,800 – $211,400 |
| 24% | $105,700 – $201,775 | $211,400 – $403,550 |
| 32% | $201,775 – $256,225 | $403,550 – $512,450 |
| 35% | $256,225 – $640,600 | $512,450 – $768,700 |
| 37% | $640,600 – and above | $768,700 – and above |
Rates apply only to the part of your taxable income inside each bracket (taxable income is income after the standard deduction and pre-tax deductions). Head of household brackets are slightly wider than single. Source: IRS Rev. Proc. 2025-32 and SSA.
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Frequently asked questions
How is Iowa state income tax estimated here?
This calculator applies a single editable estimate of 3.8% to your pre-tax pay. Actual Iowa tax depends on brackets, exemptions and local rules, so confirm with your state revenue department or payroll.
How much is a $100,000 salary after tax in Iowa?
For a single filer with no 401(k), $100,000 a year leaves about $75,380 after federal income tax, FICA and a 3.8% state estimate, roughly $2,899.23 per biweekly paycheck. Use the calculator above to try your own numbers.
How much is a $60,000 salary after tax in Iowa?
For a single filer with no 401(k), $60,000 a year leaves about $48,110 per year, roughly $1,850.38 per biweekly paycheck, using the 2026 federal rules and the 3.8% state estimate.
What federal tax rules does this calculator use?
It uses the 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household), the 2026 federal brackets, Social Security at 6.2% up to $184,500 and Medicare at 1.45% plus 0.9% above $200,000 or $250,000.
Does a 401(k) contribution lower my take-home pay by the full amount?
No. A pre-tax 401(k) contribution reduces your income tax, so your take-home pay falls by less than the contribution. It does not reduce Social Security or Medicare. Enter a percentage above to see the effect.
Is this paycheck calculator free?
Yes, it is free, with no signup. It is an estimate for planning and not tax advice; your actual withholding depends on your Form W-4 and your employer.