Iowa paycheck calculator, 2026
Iowa has been consolidating its rate schedule toward a flat structure, and withholding is computed from a formula with a standard deduction rather than a lookup table. The form asks for allowances, which reduce the taxable base. Our 2026 Iowa figures are still being cross-checked against the state publication, so this page shows the rules and sources rather than a take-home estimate.
The Iowa withholding rate, 2026
Iowa works this out from a formula rather than a bracket table, so the amount withheld depends on what your state form says as well as what you earn. These are the steps the calculation actually takes:
Bonuses and supplemental pay
Iowa withholds supplemental wages — bonuses, commission, severance — at a flat 3.8%, separately from your regular salary. A bonus can therefore have a different amount withheld than the same money paid as salary, which is usually why a bonus arrives smaller than expected.
What the Iowa withholding form asks for
| Field | What it does | Where it appears |
|---|---|---|
| Spouse has earned income | — | 2026 IA W-4 marital status section |
| IA W-4 annual allowance amount | Enter the dollar amount from IA W-4 line 6, not a count. | 2026 IA W-4, line 6 |
Take-home pay in Iowa by salary
Single filer, paid every two weeks, no pre-tax deductions, 2026 rates. Change any of those in the calculator.
| Salary | Take-home (year) | Per paycheck | Total tax rate |
|---|---|---|---|
| $35,000 | $29,466.58 | $1,133.33 | 15.8% |
| $40,000 | $33,294.04 | $1,280.54 | 16.8% |
| $45,000 | $37,121.24 | $1,427.74 | 17.5% |
| $50,000 | $40,949.22 | $1,574.97 | 18.1% |
| $55,000 | $44,776.68 | $1,722.18 | 18.6% |
| $60,000 | $48,603.88 | $1,869.38 | 19.0% |
| $65,000 | $52,431.60 | $2,016.60 | 19.3% |
| $70,000 | $55,909.10 | $2,150.35 | 20.1% |
| $75,000 | $59,236.32 | $2,278.32 | 21.0% |
| $80,000 | $62,563.80 | $2,406.30 | 21.8% |
| $85,000 | $65,891.54 | $2,534.29 | 22.5% |
| $90,000 | $69,219.02 | $2,662.27 | 23.1% |
| $95,000 | $72,546.50 | $2,790.25 | 23.6% |
| $100,000 | $75,873.98 | $2,918.23 | 24.1% |
| $110,000 | $82,528.94 | $3,174.19 | 25.0% |
| $120,000 | $89,184.16 | $3,430.16 | 25.7% |
| $130,000 | $95,675.06 | $3,679.81 | 26.4% |
| $140,000 | $102,129.82 | $3,928.07 | 27.1% |
| $150,000 | $108,585.10 | $4,176.35 | 27.6% |
| $200,000 | $140,859.94 | $5,417.69 | 29.6% |
Notes and caveats
- The current Iowa formula is authoritative and supersedes NFC's older graduated formula. The state formula uses a flat 3.8% rate and does not subtract federal withholding.
Sources
Every figure on this page is transcribed from a published source and carries the date it was read. Where two sources disagree, the disagreement is recorded rather than resolved silently.
Iowa Individual Income Tax Withholding Formula, effective January 1, 2026 — read 2026-07-19 · cross-checked against NFC Iowa formula (stale prior-law comparison); independent confirmation 2026-07-20- deduction —
Iowa Individual Income Tax Withholding Formula, effective January 1, 2026 , Steps 1A and 1B · read 2026-07-19
This is an estimate of payroll withholding, not tax advice, and not a prediction of your final tax bill. Withholding is what your employer sends in during the year; what you actually owe is settled when you file.