Iowa Paycheck Calculator
See exactly what you keep after taxes in Iowa — enter your pay for an instant, itemized take-home breakdown.
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Your take-home pay
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Effective tax rate 0%
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How Iowa take-home pay is calculated
Iowa moved to a single flat individual income tax rate of 3.8% beginning in tax year 2025, replacing its former graduated brackets that topped out at 5.7%. Because the rate is flat and Iowa now follows the generous federal standard deduction, take-home pay is more predictable across income levels than in most progressive-rate states. Many residents also pay a local school district surtax assessed as a percentage of their Iowa income tax, which can modestly reduce take-home pay depending on where they live.
Federal income tax
Progressive 10%–37%, applied after the federal standard deduction ($15,000 single / $30,000 married for 2025).
Social Security
6.2% of wages up to the $176,100 wage base.
Medicare
1.45% of all wages, plus 0.9% above $200,000.
Iowa state income tax
Progressive Flat 3.8%.
401(k) — optional
Pre-tax contributions lower your taxable income for both federal and state tax.
- Iowa applies a single flat 3.8% income tax rate to all taxable income for 2025, regardless of filing status.
- Iowa couples to the federal standard deduction: $15,750 for single filers and $31,500 for married filing jointly in 2025.
- Most Iowa school districts levy a surtax (0% to 20% of state income tax owed), and six counties add a 1% EMS surtax.
Iowa paycheck — frequently asked questions
How much is taken out of a paycheck in Iowa? +
In Iowa, federal income tax, Social Security (6.2%), Medicare (1.45%) and Iowa state income tax (Flat 3.8%) are withheld. Total withholding typically lands around 25%–35% of gross pay, depending on income and filing status.
What is take-home pay? +
Take-home pay (net pay) is the amount that actually reaches your bank account after all taxes and deductions are subtracted from your gross salary. It is always lower than your headline salary.
Does Iowa have a state income tax? +
Yes. Iowa has a progressive state income tax (Flat 3.8%), charged on top of federal income tax.
Is this Iowa paycheck calculator accurate? +
It gives a close estimate using 2025 federal and Iowa tax brackets, the standard deduction and FICA. Your actual paycheck can vary based on local taxes, additional withholdings, benefits and your W-4. It is an estimate, not tax advice.
Disclaimer: This calculator provides estimates for educational purposes only using 2025 tax figures and does not constitute tax, legal, or financial advice. Actual withholding depends on your W-4, local taxes, benefits, and other factors. Verify with a qualified professional or the relevant tax authority.