Iowa Paycheck Calculator — Take-Home Pay (2026)
Estimate your take-home pay per paycheck in Iowa. IRS 2026 federal brackets, Social Security, Medicare, and Iowa state tax.
As of 2026 · Iowa state data: Iowa Department of Revenue
Paycheck Inputs
Per-paycheck results
Estimated biweekly paycheck in Iowa: gross $3,846.15, net $2,922.76 after federal tax, state tax, and FICA withholding.
Gross pay
$3,846.15
Net pay
$2,922.76
Federal tax
$506.54
State tax
$122.62
FICA
$294.23
Effective tax rate
24.01%
All pay frequencies
| Frequency | Gross | Deductions | Net |
|---|---|---|---|
| Weekly | $1,923.08 | $461.70 | $1,461.38 |
| Biweekly | $3,846.15 | $923.40 | $2,922.76 |
| Semi-monthly | $4,166.67 | $1,000.35 | $3,166.32 |
| Monthly | $8,333.33 | $2,000.69 | $6,332.64 |
State withholding methodology
Paycheck withholding is estimated from annualized wages, then converted into per-pay-period deductions. Federal withholding uses IRS 2026 bracket logic and standard deduction assumptions; state withholding uses Iowa bracket data where applicable.
Iowa state income tax brackets 2026 — Single
| Taxable Income Range (USD) | Rate |
|---|---|
| 0 and up | 3.80% |
Iowa state income tax brackets 2026 — Married filing jointly
| Taxable Income Range (USD) | Rate |
|---|---|
| 0 and up | 3.80% |
Formula summary
- Annual gross (hourly): hourly wage * hours per week * 52
- Taxable income: gross - applicable standard deduction
- Per-paycheck amount: annual amount / periods per year
- Net paycheck: gross per paycheck - federal tax - state tax - FICA
Paycheck taxes in Iowa — what to expect
State withholding on a Iowa paycheck is a single flat 3.80% line, so it scales exactly with pay: a 10% raise moves the state line 10%, whatever the pay period. Iowa's state standard deduction is $16,100 for single filers and $32,200 for married filing jointly in 2026. Iowa school districts may impose a local surtax (0%–20% of state liability) that adds to your effective state rate.
For a single filer earning $75,000, roughly $2,282.85 lands in the bank each biweekly payday in Iowa (about $4,946.18 on a monthly cycle) after estimated federal and state tax and FICA. Iowa has reciprocity with Illinois.
Withholding here follows 2026 tables from Iowa Department of Revenue (https://revenue.iowa.gov/press-release/2025-10-21/idr-announces-2026-individual-income-tax). Your actual stub also reflects W-4 elections, pre-tax benefits and 401(k) deferrals, so treat these figures as the baseline before those adjustments.
Iowa paycheck — frequently asked questions
How much is $50K take-home pay in Iowa?
A $50,000 salary in Iowa (single filer, 2026) yields about $1,579.49 per biweekly paycheck and roughly $41,066.80 annual take-home after federal tax, FICA, and Iowa state income tax. Effective tax rate is approximately 17.87%.
How much is $75K take-home pay in Iowa?
A $75,000 salary in Iowa (single filer, 2026) yields about $2,282.85 per biweekly paycheck and roughly $59,354.20 annual take-home after federal tax, FICA, and Iowa state income tax. Effective tax rate is approximately 20.86%.
How much is $100K take-home pay in Iowa?
A $100,000 salary in Iowa (single filer, 2026) yields about $2,922.76 per biweekly paycheck and roughly $75,991.70 annual take-home after federal tax, FICA, and Iowa state income tax. Effective tax rate is approximately 24.01%.
How much state tax is withheld from a paycheck in Iowa?
A flat 3.80% of taxable wages comes out of every Iowa paycheck for state income tax, on top of federal withholding and FICA — the per-check amount scales directly with pay.
Iowa paycheck vs South Dakota: which is higher?
On a $75,000 single-filer salary, estimated take-home is $59,354.20 in Iowa and $61,592.40 in South Dakota. South Dakota comes out about $2,238.20 per year ahead. Differences come from state income tax structure; cost of living, sales tax, and property tax can shift the overall picture.
What deductions can Iowa residents claim?
Federal deductions available to Iowa residents include the federal standard deduction ($16,100 single / $32,200 married for 2026), 401(k) and HSA contributions, student-loan interest (up to $2,500), and IRA contributions. Iowa also offers a state standard deduction of $16,100 single / $32,200 married for 2026. Use the calculator above for your exact net pay scenario.
When are Iowa paychecks bigger — weekly, biweekly, semimonthly, or monthly?
Annual take-home is the same regardless of pay frequency in Iowa — only the per-paycheck amount changes. Weekly = 52 paychecks/year, biweekly = 26, semimonthly = 24, monthly = 12. Biweekly is the most common; semimonthly aligns better with month-end bills but yields slightly smaller individual checks than biweekly twice a year.
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