Your work. Your state. Your take-home.
Iowa paycheck calculator 2026
See what lands in your bank account. Estimate Iowa take-home pay after federal and state taxes and your benefits.
Your pay details
2026 tax yearEstimated take-home pay
Average per paycheck - every 2 weeks
Current 2026 rules projected over a full year.
This is a full-year average. Actual checks can change when Social Security or state wage caps are reached, or Additional Medicare withholding begins.
IRS, SSA and state agency rules, linked below.
Employee taxes and benefits shown separately.
Steady wages projected over a full year.
How Iowa taxes your paycheck
Iowa applies a 3.8% withholding rate after a payroll deduction. For 2026, the annual equivalents are $13,000 for single workers or married couples with two earners, $19,500 for heads of household, and $26,000 for married couples with only one earner.
The allowance amount on a 2024-or-later IA W-4 is a dollar amount subtracted from annual withholding, not a count of personal exemptions. Enter the amount from your IA W-4.
| Item | 2026 rule |
|---|---|
| Withholding rate | 3.8% |
| Single / two working spouses deduction | $13,000 annual equivalent |
| Head of household deduction | $19,500 annual equivalent |
| Married, one earner deduction | $26,000 annual equivalent |
| IA W-4 allowance amount | Dollar credit against annual withholding |
These are employee payroll withholding rules. Your final income tax return may use different deductions, credits or rates.
Iowa take-home pay examples
Compare three salaries with the same calculator. These examples update with your filing status, pay frequency and benefits settings.
| Annual salary | Annual take-home | Average paycheck |
|---|---|---|
| $40,000.00 | $33,294.04 | $1,280.54 |
| $75,000.00 | $59,236.38 | $2,278.32 |
| $120,000.00 | $89,184.12 | $3,430.16 |
Single, biweekly pay, no 401(k), health premium or extra federal withholding, and the state defaults shown above.
Common paycheck questions
Should I enter an allowance count or a dollar amount?
For a 2024-or-later IA W-4, enter the total allowance dollar amount. Do not enter an old allowance count as if it were dollars.
What if both spouses work?
Select that the spouse also has earned income. The official formula then uses the same payroll deduction as the Other filing-status column.
How accurate is this Iowa paycheck calculator?
It estimates regular wages using official 2026 withholding rules and the assumptions shown. Bonuses, multiple jobs, credits, employer plans and year-to-date pay can change actual checks. Compare the result with your pay stub and withholding certificates.
Are my salary details stored?
No. The calculation runs in your browser. Your entries are not sent to a calculation server, saved to local storage or used for advertising.
Official sources & last update
Rules reviewed on October 23, 2026. The linked agencies publish the authoritative rules. This website independently implements them; it is not an agency service.
- Iowa DOR: 2026 withholding formula with ten worked examples
Retrieved 2026-10-23 - Iowa DOR: withholding guidance
Retrieved 2026-10-23 - IRS Publication 15-T (2026), Worksheet 1A and annual standard withholding schedules
Retrieved 2026-10-23 - IRS Revenue Procedure 2025-32, sections 3.01 and 3.14 (2026 brackets and standard deduction)
Retrieved 2026-10-23 - SSA Contribution and Benefit Base, 2026 row
Retrieved 2026-10-23 - IRS Publication 15 (2026), sections 9 and 15 (FICA, Additional Medicare and traditional 401(k))
Retrieved 2026-10-23 - IRS qualified cafeteria-plan benefit tax treatment
Retrieved 2026-10-23 - IRS 2026 401(k) contribution limits
Retrieved 2026-10-23
Found a discrepancy? Compare the displayed assumption with the linked schedule and your pay stub. Until it is resolved, use your employer’s payroll calculation or consult a qualified tax professional.