Iowa Paycheck Calculator 2026 – Estimate Your Take-Home Pay
Use our free Iowa Paycheck Calculator to estimate your net pay for the 2026 tax year. This tool acts as an IA paycheck calculator by computing Federal withholding, FICA taxes, and Iowa income tax based on the 7 progressive tax brackets ranging from 0.33% to 6.12%. Whether you are a salaried employee or need an Iowa hourly paycheck calculator, this tool helps you understand your payroll deductions clearly.
- State Tax Rate: 0.33% – 6.12% (Progressive)
- Federal Tax: 10% – 37% (Based on brackets)
- Social Security: 6.2%
- Medicare: 1.45%
How the Iowa Paycheck Calculator Works
Our Iowa payroll deduction calculator uses the latest 2026 tax formulas to convert your salary into take-home pay. We start with your gross earnings and subtract:
- Federal Withholding: Based on your W-4 filing status.
- FICA Taxes: Mandatory contributions for Social Security (6.2%) and Medicare (1.45%).
- Iowa State Tax: Calculated using the specific 7-tier bracket system applicable to your taxable income.
Iowa Income Tax Brackets (2026)
Iowa uses a progressive income tax system with seven brackets. This makes the Iowa income tax calculator logic detailed.
Single Filer Brackets
| Taxable Income Range | Tax Rate |
|---|---|
| $0 – $1,780 | 0.33% |
| $1,781 – $3,560 | 0.67% |
| $3,561 – $6,720 | 2.25% |
| $6,721 – $15,060 | 4.14% |
| $15,061 – $25,740 | 5.63% |
| $25,741 – $36,580 | 5.96% |
| Over $36,580 | 6.12% |
Note: For Married Filing Jointly, income thresholds are generally doubled.
Federal Taxes That Apply to Your Paycheck
Federal Income Tax
The IRS imposes a progressive tax ranging from 10% to 37%. Your specific rate depends on your filing status and total taxable income.
Social Security & Medicare (FICA)
Every Iowa paystub calculator must account for FICA. This deducts 6.2% of your gross pay for Social Security (up to the wage limit) and 1.45% for Medicare (on all earnings).
Iowa Paycheck After Taxes for $60,000 Salary
If you are a single filer in Des Moines or Cedar Rapids earning $60,000 per year, your breakdown looks like this:
| Tax Description | Amount |
|---|---|
| Federal Tax (Est.) | $5,900 |
| FICA (7.65%) | $4,590 |
| State Tax (Est.) | $2,850 |
| Estimated Take-Home Pay | $46,660 |
Minimum Wage & Cost of Living
Iowa adheres to the federal minimum wage of $7.25 per hour. The cost of living is one of the lowest in the nation, making housing, transportation, and daily expenses highly affordable.
How to Increase Your Take-Home Pay
To maximize your IA salary calculator results, ensure your W-4 form is accurate. Contributing to pre-tax retirement accounts (401k/403b) reduces your taxable income, potentially dropping you into a lower tax bracket.
FAQs – Iowa Paycheck Calculator
What is the income tax rate in Iowa for 2026?
Iowa has a progressive income tax with seven brackets ranging from 0.33% to 6.12%.
Does Iowa tax overtime pay?
Yes, overtime pay is treated as regular income and is subject to both federal and Iowa state income taxes.
Are there local city taxes in Iowa?
Local income taxes in Iowa are rare and generally minor compared to other states. Most residents will only pay state and federal income tax.