Calculate your exact take-home pay after federal taxes, FICA, and Iowa's graduated income tax (up to 5.7%). Free, instant, based on confirmed 2026 tax tables.
Calculate your Iowa take-home pay
Enter your salary below — our calculator pre-loads Iowa taxes and updates instantly.
Iowa uses graduated income tax brackets. Most middle-income workers pay an effective rate well below the top rate of 5.7%.
Iowa has graduated income tax brackets with a top rate of 5.7%, continuing to reduce as part of a multi-year tax reform plan.
What Comes Out
What's withheld from a Iowa paycheck?
Every Iowa paycheck has these deductions taken out before you see a cent.
Federal Income Tax
Based on your income, filing status, and 2026 federal brackets. Ranges from 10% to 37%.
Social Security (6.2%)
Flat 6.2% on wages up to $176,100. Same in every state.
Medicare (1.45%)
Flat 1.45% on all wages. An additional 0.9% applies above $200,000.
Iowa Income Tax (up to 5.7%)
Graduated brackets apply. Most workers pay an effective rate well below the 5.7% top rate.
Salary Estimates
What common salaries look like in Iowa
Estimated annual take-home for a Single filer with no pre-tax deductions. Federal tax uses simplified effective rates; state tax uses the 5.7% state rate. Use the calculator above for your exact figure.
Salary
Federal Tax
Iowa Tax (5.7%)
FICA (7.65%)
Take-Home
$45,000
−$4,725
−$2,565
−$3,443
$34,267
$65,000
−$9,100
−$3,705
−$4,973
$47,222
$85,000
−$14,450
−$4,845
−$6,503
$59,202
$120,000
−$24,000
−$6,840
−$9,180
$79,980
How It Compares
Is Iowa a high-tax or low-tax state?
Iowa is on the higher side of state income taxes, with a top rate of 5.7%. High earners feel this most acutely, while lower and middle-income workers often pay a meaningfully lower effective rate. Worth factoring in when comparing job offers across states.
Questions, Answered
Frequently asked questions about Iowa paychecks
It depends on your income level. Iowa uses graduated income tax brackets with a top rate of 5.7%. Lower earners pay progressively less. Most middle-income workers pay an effective rate significantly below the top rate. Use the calculator above to see your exact withholding.
On a $60,000 salary in Iowa, a single filer with standard deductions typically takes home approximately $45,000–$50,000 per year, depending on pre-tax deductions and filing status. Use the calculator above for a precise figure based on your situation.
No. Iowa does not impose local city income taxes on top of the state rate. Your withholding is limited to federal income tax, FICA, and the Iowa state income tax.
To estimate your Iowa take-home pay: (1) Start with your gross annual salary. (2) Subtract pre-tax deductions — 401(k) contributions, health insurance premiums, and HSA deposits all reduce your taxable income. (3) Apply the 2026 federal income tax brackets (10%–37%) after the $15,750 federal standard deduction for single filers. (4) Deduct FICA — 6.2% Social Security on wages up to $176,100, and 1.45% Medicare on all wages. (5) Apply Iowa's graduated income tax brackets (top rate 5.7%). The fastest path to a precise figure: use the calculator at the top of this page — it handles every step automatically with 2026 tax tables.
Iowa does not offer a standard deduction against wages for state income tax purposes. Your full taxable wages are subject to Iowa's graduated income tax (up to 5.7%) with no deduction reducing the base. The federal standard deduction ($15,750 for single filers in 2026) applies only to your federal tax calculation.
Calculate your exact Iowa take-home pay
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