Iowa Income Tax Calculator
Find your exact take-home pay in Iowa after federal tax, state income tax (~4.4% effective (mid-range incomes)), Social Security, and Medicare. Enter your salary and see your monthly and per-paycheck amounts instantly.
How to use this calculator
- 1Iowa is pre-selected as your state — the correct state income tax rate (~4.4% effective (mid-range incomes)) is applied automatically.
- 2Enter your annual gross salary and select your filing status — federal tax is calculated using the full 2026 IRS bracket method.
- 3Adjust health insurance and 401(k) contribution to match your actual elections — both reduce your taxable income and affect your real take-home.
- 4Your annual, monthly, and biweekly take-home pay — with a full breakdown and chart — appears instantly.
How we calculate Iowa take-home pay
Iowa's rapidly declining income tax rate is one of the most favorable trajectories in the Midwest. Workers in Des Moines and other Iowa metros are seeing their effective tax burden drop meaningfully year over year without changing anything about their situation. Iowa's tax reforms are attracting attention from workers in higher-tax Midwestern states. Des Moines in particular has grown as a financial services and insurance hub with a low cost of living and declining tax burden.
Deductions Applied for Iowa Residents
What this calculator doesn’t include
This calculator estimates take-home pay for W2 wage income only. It excludes self-employment (1099) income, investment and capital gains income, Alternative Minimum Tax (AMT), and the additional Medicare surtax (0.9% on wages above $200,000). Many Iowa cities and counties levy local income taxes on top of the state rate — check whether your city has one. It also assumes the standard deduction rather than itemized deductions and does not include employer-side compensation such as 401(k) matching, HSA/FSA funding, or non-cash benefits. Use the result for planning purposes only, and consult a qualified tax professional for decisions.
Iowa take-home pay by salary (2026)
Estimates for a single filer using the 2026 standard deduction, no pre-tax deductions. Click any row to jump to the calculator.
| Annual Salary | Federal Tax | Iowa Tax | FICA | Take-Home Pay |
|---|---|---|---|---|
| $40,000 | $2,762 6.9% | $1,760 4.4% | $3,060 7.6% | $32,418 81% |
| $45,000 | $3,362 7.5% | $1,980 4.4% | $3,442 7.6% | $36,216 80.5% |
| $50,000 | $3,962 7.9% | $2,200 4.4% | $3,825 7.6% | $40,014 80% |
| $60,000 | $5,162 8.6% | $2,640 4.4% | $4,590 7.6% | $47,608 79.3% |
| $75,000 | $8,114 10.8% | $3,300 4.4% | $5,738 7.6% | $57,848 77.1% |
| $100,000 | $13,614 13.6% | $4,400 4.4% | $7,650 7.6% | $74,336 74.3% |
| $125,000 | $19,247 15.4% | $5,500 4.4% | $9,562 7.6% | $90,690 72.6% |
| $150,000 | $25,247 16.8% | $6,600 4.4% | $11,475 7.6% | $106,678 71.1% |
| $200,000 | $37,247 18.6% | $8,800 4.4% | $14,339 7.2% | $139,614 69.8% |
* Percentages show each item as a share of gross salary. Take-Home % = effective keep rate after all taxes.