Iowa Paycheck Calculator 2026
See what lands in your bank account each payday. Iowa has charged a flat 3.8% income tax since 2025, using the federal standard deduction, with a $40 personal credit per person.
| Line | This paycheck | Per year |
|---|---|---|
| Gross pay | $2,500.00 | $65,000 |
| Federal income tax | -$191.55 | -$4,980 |
| Social Security (6.2%) | -$150.04 | -$3,901 |
| Medicare (1.45%) | -$35.09 | -$912 |
| Iowa income tax | -$62.14 | -$1,616 |
| 401(k) | -$125.00 | -$3,250 |
| Health insurance | -$80.00 | -$2,080 |
| Take-home pay | $1,856.18 | $48,261 |
What your numbers mean
per paycheck, or $1,616 a year (2.5% of your gross pay).
to each paycheck. You keep about 77¢ of every extra dollar at this pay.
You put $125.00 into your 401(k) each paycheck, but your take-home only drops by $105.25. The difference is income tax you don't pay today.
Take-home pay at common salaries in Iowa
Single filer, paid every two weeks, no 401(k) or health deductions.
| Salary | Every 2 weeks | Per month | Per year | Total tax rate |
|---|---|---|---|---|
| $30,000 | $992.18 | $2,149.73 | $25,797 | 14.0% |
| $40,000 | $1,286.61 | $2,787.65 | $33,452 | 16.4% |
| $50,000 | $1,581.03 | $3,425.57 | $41,107 | 17.8% |
| $60,000 | $1,875.45 | $4,063.48 | $48,762 | 18.7% |
| $70,000 | $2,156.42 | $4,672.23 | $56,067 | 19.9% |
| $80,000 | $2,412.38 | $5,226.82 | $62,722 | 21.6% |
| $100,000 | $2,924.30 | $6,335.98 | $76,032 | 24.0% |
| $125,000 | $3,561.74 | $7,717.11 | $92,605 | 25.9% |
| $150,000 | $4,182.42 | $9,061.90 | $108,743 | 27.5% |
| $200,000 | $5,460.72 | $11,831.57 | $141,979 | 29.0% |
Hourly pay after taxes in Iowa
Single filer working 40 hours a week, 52 weeks a year. Iowa's minimum wage is $7.25 an hour.
| Hourly rate | Weekly take-home | Yearly gross | Yearly take-home |
|---|---|---|---|
| $7.25 (minimum) | $267.82 | $15,080 | $13,926 |
| $15.00 | $513.76 | $31,200 | $26,715 |
| $20.00 | $666.86 | $41,600 | $34,677 |
| $25.00 | $819.96 | $52,000 | $42,638 |
| $30.00 | $973.06 | $62,400 | $50,599 |
| $40.00 | $1,247.14 | $83,200 | $64,851 |
Iowa vs nearby states: take-home on $65,000
On a $65,000 salary, a single filer keeps about $1,818 a year more in South Dakota than in Iowa. Single filer, paid every two weeks, no 401(k) or health deductions.
| State | Every 2 weeks | Per year | vs Iowa |
|---|---|---|---|
| Iowa | $2,022.67 | $52,589 | — |
| South Dakota | $2,092.60 | $54,408 | +$1,818 |
| Illinois | $1,974.41 | $51,335 | −$1,255 |
| Tennessee | $2,092.60 | $54,408 | +$1,818 |
More Iowa pay calculators
Paychecks in Iowa: what to know
- Iowa moved to a flat 3.8% rate in 2025.
- Because Iowa starts from federal taxable income, the 2026 federal standard deduction ($16,100 single) also applies on your Iowa return.
- Iowa does not tax retirement income for people 55 and older.
- Some school districts add a school district surtax on the annual return; it is not withheld from paychecks.
- Iowa uses the federal minimum wage of $7.25 an hour.
- Sales tax: 6% state sales tax plus up to 1% local option tax.
How this calculator works
- Gross pay. Your salary, or hourly rate × hours × 52 weeks plus overtime at 1.5×, divided by your number of paychecks.
- Pre-tax deductions. 401(k) contributions lower your income tax. Health premiums lower income tax and Social Security/Medicare.
- Federal income tax. Yearly taxable pay minus the 2026 standard deduction, run through the 2026 IRS brackets.
- Social Security and Medicare. 6.2% up to $184,500, plus 1.45% Medicare (2.35% above $200,000).
- Iowa. Yes. Iowa taxes wages at a flat 3.8%. Iowa starts from federal taxable income, so it uses the same standard deduction as the IRS, and gives a $40 credit per person.
Full details and federal sources are on the methodology page.
Iowa sources
Common questions
Does Iowa have a state income tax?
Yes. Iowa taxes wages at a flat 3.8%. Iowa starts from federal taxable income, so it uses the same standard deduction as the IRS, and gives a $40 credit per person.
How much is $65,000 a year after taxes in Iowa?
For a single filer with no 401(k) or health deductions, $65,000 a year in Iowa is about $52,589 after taxes, or $2,022.67 every two weeks. That is 81% of gross pay.
What does a full-time minimum wage job in Iowa take home?
At $7.25 an hour and 40 hours a week, gross pay is $15,080 a year. A single filer takes home about $13,926, or $535.63 every two weeks.
What percentage of my paycheck goes to taxes in Iowa?
For a single filer with no pre-tax deductions in Iowa, taxes take about 16% of pay at $40,000 a year, 19% at $65,000 and 24% at $100,000. That counts federal income tax, Social Security and Medicare, plus Iowa income tax.
How much is $20 an hour after taxes in Iowa?
Working 40 hours a week, $20 an hour is $41,600 a year. A single filer in Iowa takes home about $34,677 a year, $666.86 a week, or about $16.67 per hour worked.
How much is $100,000 a year after taxes in Iowa?
A single filer earning $100,000 in Iowa takes home about $76,032 a year, or $2,924.30 every two weeks, with no pre-tax deductions.
How are bonuses taxed in Iowa?
Employers usually withhold federal tax on a bonus at a flat 22%, plus Social Security and Medicare and Iowa income tax. On a $5,000 bonus with a $65,000 salary, a single filer in Iowa sees about $3,328 on payday and may get about $150 back at tax time.
What do OASDI and FICA mean on my Iowa pay stub?
OASDI is Social Security tax: 6.2% of your wages up to $184,500 in 2026. FICA is Social Security plus Medicare (1.45% of all wages, plus 0.9% above $200,000), 7.65% in total for most workers.
How much of my paycheck goes to Social Security and Medicare?
Social Security takes 6.2% of your wages up to $184,500 in 2026, and Medicare takes 1.45% of all wages. Medicare adds another 0.9% on wages above $200,000.
Why is my real paycheck a little different?
Your employer withholds using the W-4 you filled in and IRS Publication 15-T. Extra withholding, a second job, dependents, or other benefits change the number. This calculator spreads your estimated yearly tax evenly across your paychecks.
Do you take home more in Iowa or South Dakota?
On a $65,000 salary, a single filer keeps about $1,818 a year more in South Dakota than in Iowa. South Dakota: $54,408, Illinois: $51,335, Tennessee: $54,408; Iowa: $52,589 (single filer, $65,000 salary, no pre-tax deductions).