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Iowa Paycheck Calculator

Estimate your 2026 take-home pay after federal tax, FICA, and Iowa state tax

Estimate only — not tax advice. Single-filer assumption, based on standard federal/state calculations. See methodology below for source and last-verified date. For your exact withholding, consult a tax professional or your payroll department.

How to Calculate Your Iowa Take-Home Pay

  1. Start with your gross annual salary.
  2. Subtract the 2026 federal standard deduction ($16,100 single) to get taxable income, then apply the 2026 federal brackets (10%-37%).
  3. Subtract FICA: 6.2% Social Security (up to the $184,500 wage base) + 1.45% Medicare (all wages, +0.9% above $200,000).
  4. Subtract Iowa's $16,100 standard deduction from gross wages, then apply the flat 3.80% state rate.
  5. What's left is your net take-home pay.

Example: $65,000/year gross salary, single filer, Iowa resident.

  1. Federal tax: $5,620
  2. FICA: $4,972.5
  3. Iowa state tax: ($65,000 - $16,100 deduction) × 3.80% = $1,858.2
  4. Net annual pay: $65,000 - $12,450.7 = $52,549.3 (≈$4,379.11/month)

How Iowa Paycheck Tax Is Calculated (2026)

Source: Iowa Department of Revenue
Flat state rate3.80%
Standard deduction (single)$16,100
state_tax = max(0, gross_income - 16100) × 0.038

Federal Tax & FICA (shared across all states)

Federal standard deduction (single)$16,100
Federal brackets10% / 12% / 22% / 24% / 32% / 35% / 37%
Social Security6.2% up to $184,500 wage base
Medicare1.45% on all wages, +0.9% above $200,000
⚠️ Many Iowa school districts levy a local income surtax, typically 1%-20% of your Iowa state tax liability (not of wages directly) — varies by district and not computed here.

Guideline version 2026-IA-v1 · Last verified 2026-07-26

Iowa Paycheck Calculator FAQ

What is Iowa's state income tax rate?

Iowa charges a flat 3.80% rate for tax year 2026. Standard deduction: $16,100 for single filers.

How much is take-home pay on $65,000 in Iowa?

On a $65,000 gross salary, a single filer in Iowa takes home roughly $52,549.3/year (about $4,379.11/month) after federal tax, FICA, and state tax.

What deductions does Iowa apply before taxing my income?

Iowa applies a $16,100 standard deduction, before the flat 3.80% rate. See the "How Iowa Paycheck Tax Is Calculated" section above for the exact formula.

Does this estimate change if I'm married or have dependents?

This calculator uses single-filer figures only (v1 scope). Married filing jointly typically uses different federal and Iowa state brackets and a larger standard deduction — your actual take-home pay will differ. Dependents can also reduce federal withholding via the W-4. Check Iowa Department of Revenue's married-filing-jointly tables for a precise figure.

Methodology & Source

Iowa state tax figures sourced from Iowa Department of Revenue (https://revenue.iowa.gov/), citing SF 2442 (2024) — flat 3.8% effective 2026, completing the phase-down from a 6-bracket system topping out at 8.53%. Federal brackets and FICA constants sourced from the IRS (Revenue Procedure 2025-32).

This is an estimate based on standard single-filer federal, FICA, and IA state calculations. Actual withholding may differ based on your W-4 elections, pre-tax deductions, and other factors.

Guideline version: 2026-IA-v1 · Effective: 2026-01-01 · Last verified: 2026-07-26