Iowa paycheck calculator

Take-home pay in Iowa after federal and Iowa income tax, Social Security, Medicare and your deductions, using the 2026 withholding rules.

State you live and work in

2026 rules for Iowa.

Pay

I'm paid

Salary (per year, before taxes)

How often you're paid

Your Form W-4

Filing status

Children under 17

$2,200 each in Step 3, if your income is $200,000 or less ($400,000 married filing jointly).

Other dependents

$500 each in Step 3.

Pre-tax and after-tax deductions

401(k) or 403(b) contribution

Traditional (pre-tax). Put a Roth contribution under after-tax deductions.

Health insurance, HSA and FSA

Pre-tax premiums and contributions through payroll; they also lower Social Security and Medicare.

After-tax deductions

Roth 401(k), union dues, garnishments.

More Form W-4 options

Step 2: two jobs, or married and your spouse works

Only if you checked the box in Step 2(c) of your W-4.

Step 4(a): other income (per year)

Step 4(b): deductions (per year)

From the W-4's Deductions Worksheet: tips, overtime, car loan interest, the senior deduction, itemizing.

Step 4(c): extra withholding

Take-home pay per paycheck

$1,870.92

$48,643.86 a year from $59,999.94 gross, 26 paychecks.

Gross pay, each deduction and take-home pay, per paycheck and per year
Item	Per paycheck	Per year
Gross pay	$2,307.69	$59,999.94
Federal income tax	−$193.08	−$5,020.08
Social Security	−$143.08	−$3,720.00
Medicare	−$33.46	−$870.00
Iowa income tax	−$67.15	−$1,746.00
Take-home pay	$1,870.92	$48,643.86

Taxes as a share of pay: 18.9%
Federal taxable wages (year): $59,999.94

Estimates for planning, not tax advice. Your employer's payroll may round differently, and your tax bill when you file can differ from what's withheld.

How Iowa taxes your paycheck in 2026

Iowa taxes wages at a flat 3.8% for 2026. Withholding subtracts a deduction of $13,000 (single), $19,500 (head of household) or $26,000 (married, spouse not working), then takes $40 off the tax for you ($80 for head of household), your spouse and each dependent. Traditional 401(k) contributions and pre-tax health premiums are not taxed. There are no employee-paid state payroll taxes; school district surtaxes are settled on the return.

Income tax rate: 3.8% of taxable wages.

Standard deduction: $13,000 single or married filing separately; $26,000 married filing jointly; $19,500 head of household.
Exemption credits off the tax: $40 for you, $40 for a spouse, $40 per dependent.
A traditional 401(k) lowers your Iowa taxable wages; pre-tax health premiums do.

City and county taxes

Iowa school districts add a school district surtax, a percentage of your Iowa income tax that varies by district, and some counties add an emergency medical services surtax. Employers do not withhold these (the state withholding formula leaves them out); they are figured on your Iowa return. Iowa cities and counties do not otherwise tax wages.

What this calculator simplifies

Married assumes married filing jointly with a spouse who has no earned income ($26,000 deduction). If your spouse also earns, Iowa withholds as if you were single ($13,000 deduction).
Allowances for age 65+, blindness, itemized deductions, adjustments and the child care credit are not included.
The school district surtax and any county EMS surtax are not included; they are not withheld and are owed on the return.
This is withholding, not your final Iowa tax. Iowa's low-income exemption (no tax for single filers under $9,000 of total income, $13,500 for other filers) is not applied to withholding.

Sources

Iowa Department of Revenue: Iowa Individual Income Tax Withholding Formula, effective January 1, 2026
Iowa Department of Revenue: 2026 IA W-4 Employee Withholding Allowance Certificate
IRS Publication 15-T (2026) for federal withholding, and Publication 15 (2026) for Social Security and Medicare.

How every number is worked out is on the methodology page.

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