IA · tax year 2026 · updated October 2, 2026
Iowa W-2 employees checking a flat-rate paycheck after aligning with the federal standard deduction.
Iowa paycheck calculator (IA, 2026)
Sample take-home: $62,721.80 a year · $5,226.82 a month · $2,412.38 biweekly (IA, single, $80k).
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Estimated take-home · IA · Annual
per year
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| Item | Annual |
|---|---|
| Gross | $80,000.00 |
| Federal income tax | $8,770.00 |
| Social Security | $4,960.00 |
| Medicare | $1,160.00 |
| State income tax | $2,388.20 |
| Total tax | $17,278.20 |
| Net / take-home | $62,721.80 |
What this includes. Included: 2026 federal brackets + standard deduction (Rev. Proc. 2025-32), Social Security 6.2% up to $184,500, Medicare 1.45% (plus 0.9% additional Medicare over the threshold), and the state income-tax model (including states with no state income tax); CA SDI, WA Cares, and optional NYC when those lines apply. Not included: other local/city taxes, Child Tax Credit, EITC, itemized deductions, 401(k)/HSA/FSA unless typed in, garnishments. See methodology.
Estimate only — not tax advice or full tax software. 2026 federal brackets and a simplified state model. Locals other than optional NYC, CA SDI, and WA Cares are omitted. Confirm with your pay stub or a tax professional.
What this includes.Included: 2026 federal brackets + standard deduction (Rev. Proc. 2025-32), Social Security 6.2% up to $184,500, Medicare 1.45% (plus 0.9% additional Medicare over the threshold), and the state income-tax model (including states with no state income tax); CA SDI, WA Cares, and optional NYC when those lines apply. Not included: other local/city taxes, Child Tax Credit, EITC, itemized deductions, 401(k)/HSA/FSA unless typed in, garnishments. See methodology. Pick a salary row below for a filled-in example.
Iowa has moved to a flat 3.8% rate and, in this model, a standard deduction aligned with federal amounts plus a small personal credit. Des Moines and eastern Iowa W-2 employees comparing a check to Illinois or Nebraska will see a simple state line once wages clear the deduction. Takehome Cash does not prepare Iowa Form 1040. School district surtaxes and local taxes are omitted. Browser-side federal math uses 2026 IRS brackets and the $184,500 Social Security wage base. Last aligned with the Tax Foundation 2026 compilation. Change 401(k) or health premium fields if your stub has those pretax lines.
This is a W-2 style withholding approximation, not a full Iowa Form resident return. We annualize your pay, subtract pretax 401(k) and section 125 health premiums from federal wages (health premiums also reduce FICA wages), apply the 2026 IRS standard deduction, then apply Iowa’s published rate structure. We do not model local city or county income taxes, itemized deductions, or most credits.
Use the calculator to compare pay frequencies (hourly through annual), pretax 401(k) as a percent or a dollar amount per paycheck, and optional extra federal withholding. Last reviewed against IRS, SSA, and Tax Foundation 2026 publications on October 2, 2026.
Figures are for tax year 2026. If your employer uses a different state withholding method (percentage method vs. wage-bracket tables), your live paycheck can differ by a few dollars even when annual liability is similar.
Iowa take-home by salary (2026, single, no 401k)
Annual net and monthly take-home from the same single-filer sample used on each salary page. Open a row for the full breakdown.
| Salary | Annual take-home | Monthly | Page |
|---|---|---|---|
| $50,000 | $41,106.80 | $3,425.57 | Iowa$50,000 |
| $60,000 | $48,761.80 | $4,063.48 | Iowa$60,000 |
| $70,000 | $56,066.80 | $4,672.23 | Iowa$70,000 |
| $80,000 | $62,721.80 | $5,226.82 | Iowa$80,000 |
| $90,000 | $69,376.80 | $5,781.40 | Iowa$90,000 |
| $100,000 | $76,031.80 | $6,335.98 | Iowa$100,000 |
| $125,000 | $92,605.30 | $7,717.11 | Iowa$125,000 |
| $150,000 | $108,742.80 | $9,061.90 | Iowa$150,000 |
| $200,000 | $141,978.80 | $11,831.57 | Iowa$200,000 |
| $250,000 | $174,333.80 | $14,527.82 | Iowa$250,000 |
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Iowa paycheck FAQ
Does Iowa have a state income tax on wages?
Yes. Iowa has a flat 3.8% state income tax on taxable wage income in 2026. Local income taxes, if any, are not included in this estimate.
What Iowa income tax rate does this calculator use for 2026?
A single rate of 3.8% after the deductions and exemptions listed in our methodology.
Is this my actual take-home pay?
No. It is an estimate of typical W-2 withholding. It omits local taxes (except a note on New York City), most credits (including the federal Child Tax Credit), unemployment insurance, wage-garnishment, and employer-specific benefits. Use it to plan, not to file.
Does a 401(k) contribution reduce Social Security tax?
Usually no. Traditional 401(k) deferrals reduce federal (and often state) taxable wages, but they remain subject to Social Security and Medicare. Pre-tax health insurance premiums under a cafeteria plan generally reduce FICA wages as well.