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 |
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.
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).