Iowa Paycheck Calculator

Last updated: October 3, 2026

What is the take-home pay on $75,000 in Iowa in 2026?

Earning $75,000 in Iowa? Your estimated 2026 take-home is about $59,354 after federal tax and FICA, and Iowa state income tax.

How are you paid?

How much is that a year, before anything comes out?

This is the figure before tax, not the amount that lands in your account

Your pay stub calls it gross pay. It is what you are paid before federal and Iowa income tax, Social Security and Medicare come out of it.

How many hours do you work in a normal week?

Your usual week, not a busy one

Use the hours you work most weeks. Overtime belongs in the overtime calculator instead.

How often are you paid?

Every week52 paychecks a year Every two weeks26 paychecks a year, usually the same weekday Twice a month24 paychecks a year, usually the 15th and the last day Once a month12 paychecks a year Once a yearone payment for the whole year

It changes the size of each check, not the tax you owe for the year

It only decides how the year is cut up, so the figure you see is the one you would actually receive.

How do you do your taxes?

On my ownsingle, or married and sending in separate returns Together with my husband or wifemarried, one return between you On my own, with a child or dependent at homehead of household

It moves the income bands, so it changes the tax on the same pay

Tax forms call this your filing status. This estimate assumes one income; if your husband or wife also earns, the real figure is higher than this.

Do customers tip you?

No Yes

How much do you get in tips over a full year?

Cash and card tips together, for the whole year.

Are these tips already inside the pay you entered?

No, they are on top of my pay Yes, they are already counted in it

An hourly rate times your hours never includes tips

If you worked out your pay as a rate times the hours you work, that figure is your wages and nothing else, so your tips are on top of it. A yearly salary from an employer who reports your tips usually already has them in it, and your last payslip is the place to check: if the gross on it is bigger than your rate times your hours, the difference is your reported tips.

Do you get paid extra for working extra hours?

No Yes

What is one normal hour of your work worth?

How many extra hours will you work this year?

What does one of those hours pay?

This starts at one and a half times your normal rate, the usual overtime rate. Change it if yours is different, and it stops following.

Do you get a bonus or commission?

No Yes

How much is it, before anything comes out?

Do you, or your husband or wife, turn 65 at any point this year?

No Yes

Do you put part of your pay into a retirement plan at work?

Look on your pay stub for a line like 401(k), 403(b), 457, TSP, retirement or pension.

No Yes

How much goes in over a full year?

Does money come out of your pay for health insurance or a health account?

Look on your pay stub for lines like medical, dental, vision, HSA or FSA.

No Yes

How much comes out over a full year?

Do you claim any children or other dependents?

No Yes

Children under 17

Other dependents

That is $0 of dependent credit for the year. A W-4 counts $2,000 for each child under 17 and $500 for each other dependent.

Did you ask your employer to take extra tax out of each paycheck?

Look on your pay stub for a line like additional or extra withholding. On the W-4 you handed in, it is the box on line 4(c).

No Yes

How much extra over a full year?

If your W-4 shows a per-paycheck amount, multiply it by the number of paychecks you get in a year.

Is anything else taken out of your pay after tax?

Look near the bottom of your pay stub for lines like union dues, life insurance, a repayment or a garnishment.

No Yes

How much over a full year?

These are example numbers. Type yours to see your own.

Based on a $75,000 salary in Iowa, single filer, paid every 2 weeks

$2,282.86

take-home per 2 weeks · $59,354/yr

Per paycheck Annual

Gross$2,884.62

Federal income tax−$295.00

Social Security−$178.85

Medicare−$41.83

Iowa income tax−$86.08

Net pay$2,282.86

Federal marginal rate: 22% Effective tax rate: 20.9% Take-home: 79.1%

Bracket by bracket: the federal tax inside your Iowa paycheck

Bracket	Income taxed here	Tax
10% ($0 – $12,400)	$12,400	$1,240
12% ($12,400 – $50,400)	$38,000	$4,560
22% ($50,400 – $105,700)	$8,500	$1,870

Taxable income $58,900 after the $16,100 standard deduction. Your federal marginal rate is 22%, the federal tax on your next dollar earned.

Compare your take-home pay with Illinois, Minnesota or Nebraska

Compare with

Which 2026 rules apply to your Iowa paycheck?

Choose anything that matches how you are paid in Iowa and the list trims itself.

Tick anything that is true for you.

Customers tip me I get paid extra for working extra hours I get a bonus or commission I turn 65 at any point this year, or my husband or wife does

Tips: federally deductible, and deductible on your Iowa return too. Work out the tip deduction

Overtime: federally deductible, and deductible on your Iowa return too. Work out the overtime deduction

Bonuses: Iowa withholds a flat 3.8% on supplemental pay, separately from your regular wages. Estimate the tax on a bonus in Iowa

Turning 65: the $6,000 federal senior deduction comes off your federal return, and Iowa allows it on your Iowa return too. Check the senior deduction

See every 2026 rule that matches your answers in Iowa

Take-home now: $2,282.86 per 2 weeks

Use this free Iowa (IA) paycheck, payroll and income tax calculator to estimate your 2026 take-home pay after federal income tax, Social Security, Medicare, and Iowa's flat 3.8% state income tax.

Enter your own pay in the calculator to estimate your Iowa take-home pay for any salary or hourly wage.

How Iowa's flat 3.8% income tax hits your 2026 paycheck

Iowa levies a flat 3.8% state income tax for 2026, applied after the state allowance/deduction for your filing status. This calculator applies that on top of federal withholding and Social Security / Medicare to estimate your Iowa take-home pay.

For 2026, Iowa's state standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly; after that, all remaining taxable income is taxed at the single flat rate of 3.8% — Iowa does not use graduated brackets for 2026. As a worked example, a single filer earning $60,000 pays about $1,668 in Iowa income tax (roughly 2.8% of gross) before federal tax and FICA.

What this estimate doesn't include: Iowa's small personal-exemption tax credits ($40 single or married filing separately, $80 married filing jointly or head of household, $40 per dependent, plus $20 for each filer who is 65 or older or blind) are post-tax credits and are not modeled. Many Iowa school districts, and a few counties for emergency medical services, add a surtax: a percentage of your Iowa income tax, set by where you live on the last day of the year. It is worked out on your Iowa return and is not included in this estimate. City, county or school-district income taxes where they apply, court-ordered deductions, union dues, and anything else your specific employer withholds are not in this figure; your pay stub is the authority on those.

Estimates only, not tax advice. The section "What this estimate doesn't include" above lists what's left out; see also our terms and the corrections log.

One rate on every taxable dollar: Iowa's 3.8% flat tax (2026)

Iowa applies a single flat rate to taxable wages for 2026.

Filing	Rate
All taxable income	3.8%

Local income taxes in Iowa

Iowa school districts levy a local income surtax figured as a percentage of your Iowa income tax (up to 20%), not of income. In the Department of Revenue's latest table (tax year 2025), most of Iowa's 323 school districts charged one, while some large districts, including Des Moines, Davenport, Ankeny and West Des Moines, charged 0%. Six counties (Appanoose, Cass, Pocahontas, Sac, Shelby, Winnebago) also add a 1% surtax for emergency medical services. It is filed with the state IA 1040 return based on the district you reside in on the last day of the tax year.

Your paycheck vs the $75,501 Iowa median

Median household income (2024 (ACS 1-Year))	$75,501
Take-home (single filer)	≈$59,688

Two Iowa payroll quirks worth knowing

Iowa completed its move to a single flat individual income tax rate of 3.8% effective January 1, 2025, so all taxable income in 2026 is taxed at 3.8% with no brackets.
Unemployment insurance is funded entirely by employers in Iowa; employees have nothing withheld from their paychecks for state UI, and 2026 employer rates draw from Table D, the lowest allowed by law.

Is overtime and tips tax-free in Iowa? Federally yes, and on the Iowa return too

For tax years 2025 to 2028 there is a federal deduction for qualified overtime premium pay and tips (OBBBA caps & rules). FICA comes out either way.

Iowa state income tax: Iowa conforms (federal-taxable-income base); the deductions flow through to the state return. (source: revenue.iowa.gov)

Overtime: 2025 — deductible on your Iowa return too; 2026–2028 — deductible on your Iowa return too.
Tips: 2025 — deductible on your Iowa return too; 2026–2028 — deductible on your Iowa return too.

Car loan interest: Iowa starts from your federal taxable income, and Iowa's Department of Revenue says Iowa follows the federal car loan interest deduction, so it lowers your Iowa tax too, for 2025 and 2026. (source: Iowa Department of Revenue, impact of the One Big Beautiful Bill Act on employee withholding)

Iowa stays on the federal $7.25 minimum wage in 2026

$7.25/hour (≈$15,080/year full-time). Iowa has no state minimum wage above the federal floor, so the federal $7.25/hour applies in 2026.

Beyond the paycheck: Iowa's 6% statewide sales tax

Statewide sales tax	6%

Iowa paycheck FAQ

Does Iowa have a state income tax in 2026?

Yes — a flat 3.8% on taxable wages in 2026, on top of federal tax and FICA.

Do cities or counties in Iowa take a local income tax out of paychecks?

Compare a paycheck next door: Illinois, Minnesota & Nebraska

State	State income tax (2026)	Take-home on $75,000 (single)
Iowa	flat 3.8%	$59,354
Illinois	flat 4.95%	$58,025
Minnesota	four brackets, 5.35%–9.85%	$57,686
Nebraska	four brackets, 2.46%–4.55%	$58,884
Missouri	eight brackets, 0%–4.7%	$59,059

Those are the states next door. To see where Iowa lands against all of them at once, our take-home pay by state study runs an identical salary at two levels, $75,000 and $100,000, through the 2026 rules of every state and DC, except Arizona, Arkansas, Idaho, Maryland, Ohio and Vermont, still on their 2025 tables, ranked from the most take-home pay to the least.

Illinois Minnesota Nebraska

All state paycheck calculators →

Data compiled and maintained by Edmond Daher · Updated October 3, 2026

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Iowa Paycheck Calculator

What is the take-home pay on $75,000 in Iowa in 2026?

How are you paid?

How many hours do you work in a normal week?

How often are you paid?

How do you do your taxes?

Do customers tip you?

Do you get paid extra for working extra hours?

Do you get a bonus or commission?

Do you, or your husband or wife, turn 65 at any point this year?

Do you put part of your pay into a retirement plan at work?

Does money come out of your pay for health insurance or a health account?

Do you claim any children or other dependents?

Did you ask your employer to take extra tax out of each paycheck?

Is anything else taken out of your pay after tax?

Which 2026 rules apply to your Iowa paycheck?

How Iowa's flat 3.8% income tax hits your 2026 paycheck

One rate on every taxable dollar: Iowa's 3.8% flat tax (2026)

Local income taxes in Iowa

Your paycheck vs the $75,501 Iowa median

Two Iowa payroll quirks worth knowing

Is overtime and tips tax-free in Iowa? Federally yes, and on the Iowa return too

Iowa stays on the federal $7.25 minimum wage in 2026

Beyond the paycheck: Iowa's 6% statewide sales tax

Iowa paycheck FAQ

Does Iowa have a state income tax in 2026?

Do cities or counties in Iowa take a local income tax out of paychecks?

Compare a paycheck next door: Illinois, Minnesota & Nebraska

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Iowa Paycheck Calculator

What is the take-home pay on $75,000 in Iowa in 2026?

Iowa take-home pay calculator

How are you paid?

How many hours do you work in a normal week?

How often are you paid?

How do you do your taxes?

Do customers tip you?

Do you get paid extra for working extra hours?

Do you get a bonus or commission?

Do you, or your husband or wife, turn 65 at any point this year?

Do you put part of your pay into a retirement plan at work?

Does money come out of your pay for health insurance or a health account?

Do you claim any children or other dependents?

Did you ask your employer to take extra tax out of each paycheck?

Is anything else taken out of your pay after tax?

Your answer

Which 2026 rules apply to your Iowa paycheck?

How Iowa's flat 3.8% income tax hits your 2026 paycheck

One rate on every taxable dollar: Iowa's 3.8% flat tax (2026)

Local income taxes in Iowa

Your paycheck vs the $75,501 Iowa median

Two Iowa payroll quirks worth knowing

Is overtime and tips tax-free in Iowa? Federally yes, and on the Iowa return too

Iowa stays on the federal $7.25 minimum wage in 2026

Beyond the paycheck: Iowa's 6% statewide sales tax

Iowa paycheck FAQ

Does Iowa have a state income tax in 2026?

Do cities or counties in Iowa take a local income tax out of paychecks?

Compare a paycheck next door: Illinois, Minnesota & Nebraska

Sources

Related tools