Scenario
Get a $5,000 raise
See how much of a $5,000 annual raise reaches your bank account.
+$3,328annual take-home
+$127.99 / paycheck+$277 / month
Gross raise$5,000.00
2026 Iowa paycheck calculator
What will your Iowa paycheck look like?
Estimate Iowa take-home pay with the official 2026 IA W-4 withholding formula and filing-status deduction.
Your details
Estimate your pay
Federal + state estimate Verified 2026 rules are live for all 50 states and the District of Columbia. Local taxes are calculated for the states that publish withholding rules for them; neither selected state is one of them.
Estimated take-home pay2026 · Federal + IA
$2,406.30per paycheck
You keep 78.2% of this paycheck after included federal, state, and entered payroll deductions.
Monthly$5,214
Annual$62,564
Included taxes21.8%
Where your paycheck went
From gross pay to take-home
Gross pay $3,076.92
Federal income tax Why?−$337.31
Why is this withheld?
We annualize federal taxable wages, include your W-4 income and deduction adjustments, subtract the 2026 standard deduction for single, and apply tax brackets in layers.
$80,000 adjusted income− $16,100 standard deduction= $63,900 taxable
Tax year 2026 · IRS Revenue Procedure 2025-32 ↗ · Form W-4 ↗
Iowa income tax Why?−$97.92
Why is this withheld?
We annualize this paycheck's state-taxable wages, apply the supported state-certificate inputs, then use the official 2026 iowa ia w-4 formula.
$80,000 annualized state wages0 dollars annual IA W-4 allowance$2,546 estimated annual withholding
Tax year 2026 · Official Iowa withholding source ↗
Social Security Why?−$190.77
Why is this withheld?
Employees pay 6.2% on covered wages up to the 2026 annual wage base of $184,500. This paycheck has $3,076.92 of FICA-taxable wages.
Tax year 2026 · IRS Publication 15 ↗
Medicare Why?−$44.62
Why is this withheld?
Employees pay 1.45% on covered wages with no wage cap. An additional 0.9% applies to employer-paid wages over $200,000 in the year.
Tax year 2026 · IRS Publication 15 ↗
Local withholdingNot included
Local withholding is not implemented for this state
Estimated take-homeFederal and state included · local excluded
$2,406.30Local withholding is not implemented for this state.
Your actual paycheck may differ based on payroll-specific rules and year-to-date wages.
What if?
Try the next decision before you make it.
Each card reruns your current inputs through the same 2026 tax engine.
Scenario
Increase your 401(k) to 6%
Trade some cash take-home for additional traditional retirement savings.
−$3,562annual take-home
−$136.99 / paycheck−$297 / month
Annual contribution$4,800.12
Scenario
Move to Florida
Compare the same pay after changing both your home and work state.
+$2,546annual take-home
+$97.92 / paycheck+$212 / month
Same annual gross pay$79,999.92
Compare a new job offer
Put two salaries, states, schedules, and benefit choices side-by-side.
Open comparison →What is included
A Iowa estimate with clear boundaries.
Iowa paychecks can include federal income tax, Social Security, Medicare, Iowa income-tax withholding, and entered benefits or deductions.
State income tax
The calculator applies Iowa's 3.8% formula after the official filing-status deduction, then subtracts the annual allowance amount entered on the 2026 IA W-4.
Payroll taxes
Federal Social Security and Medicare are included. No separate statewide employee payroll contribution is added by this implementation.
Local coverage
Local withholding remains separate from the verified Iowa state calculation and is not included in this release.
Salary examples
Three useful starting points
Single filer, biweekly pay, no entered benefits. These examples use the same calculator above.
| Annual salary | Biweekly take-home | Monthly take-home | Annual take-home |
|---|---|---|---|
| $50,000 | $1,575 | $3,412 | $40,949 |
| $80,000 | $2,406 | $5,214 | $62,564 |
| $120,000 | $3,430 | $7,432 | $89,184 |
Local taxes are not included. Actual payroll can differ because of year-to-date wages, employer rounding, elections, and less-common tax situations.
Common questions
Iowa paycheck FAQ
Which Iowa withholding formula is used?
The estimate uses the four-step Iowa formula effective January 1, 2026, including the 3.8% rate and per-pay-period rounding.
How do Iowa IA W-4 allowances work here?
Enter the total annual dollar amount from your 2026 IA W-4 in Advanced options. It is not an allowance count.
Does a working spouse change Iowa withholding?
Yes. For married filing jointly, the 2026 formula uses a different deduction when the employee's spouse also has earned income.
Official sources
Verified rules behind this page
Iowa 2026 Individual Income Tax Withholding Formula
The 3.8% rate, filing-status deductions, annual IA W-4 allowance amount, and per-pay-period formula effective January 1, 2026.
Open official source ↗