Iowa Paycheck Calculator

Iowa withholds a flat 3.80% of wages each pay period, after subtracting a deduction that depends on the marital-status box checked on your IA W-4 — $13,000/year for most filers, $19,500/year for head of household, or $26,000/year for a married employee whose spouse doesn't work — plus your own 'total allowance amount,' a dollar figure you report directly on the form rather than a count of allowances.

Pay type

Annual salary

Pay frequency

State

Federal filing status (W-4 Step 1)

Multiple jobs or spouse works (W-4 Step 2 checkbox)Check if you hold more than one job or file jointly and your spouse also works.

IA W-4 marital category

Total allowance amount (annual)

W-4 Steps 3–4: dependents, other income, deductions

Dependents credit (Step 3, annual)

$2,000 per qualifying child under 17.

Other income (Step 4a, annual)

Deductions beyond standard (Step 4b, annual)

Extra withholding (Step 4c, per paycheck)

Benefits & deductions (per paycheck)

Your age

Only used to check 401(k)/HSA catch-up contribution limits — optional.

Traditional 401(k)

HSA contribution

HSA coverage type

Family coverage has a higher IRS contribution limit.

Health FSA

Health insurance premiums

Post-tax deductions

Roth 401(k), garnishments, and other after-tax amounts.

Estimated take-home pay

$2,278per biweekly paycheck

$59,236 per year ·

Take-home 79.0%Federal 10.2%FICA 7.7%State 3.1%

In a no-income-tax state like Texas, the same pay would take home about $2,356 more per year.

Iowa withholds a flat 3.80% (2026) of taxable wages for the pay period, minus a per-period deduction that depends on the marital-status category checked on the current (2024-or-later) IA W-4: $13,000/yr for "Other" (also covers a missing marital status, or Married Filing Jointly where the spouse also has earned income), $19,500/yr for Head of Household, or $26,000/yr for Married Filing Jointly/Qualifying Surviving Spouse where the spouse has NO earned income. That result is then reduced by the employee's own "total allowance amount" -- a dollar figure the employee reports directly on the IA W-4, divided by the number of pay periods -- plus any additional withholding requested. This models the current (2024-or-later) IA W-4 formula only; the legacy allowance-count x $40 method for pre-2024 forms on file is not implemented. Iowa has no local income tax.

How Iowa taxes your paycheck in 2026

State income tax: Flat 3.80%
IA W-4 deduction (2026): $13,000 most filers, $19,500 head of household, $26,000 married/one income
Allowance amount: A dollar figure you set directly on the IA W-4, not a per-allowance count

Iowa paycheck FAQs

Why does my Iowa deduction depend on a box I checked, not my actual filing status?

Iowa's current W-4 (2024 or later) asks you to check a marital-status category — 'Other,' Head of Household, or Married Filing Jointly with a non-earning spouse — which sets your deduction amount directly, rather than deriving it from your federal filing status.

What is the 'total allowance amount' on the Iowa W-4?

Unlike most states, Iowa has you write in a dollar amount directly (not a count of allowances) representing additional withholding reductions you're entitled to — that figure is subtracted from your tax after the 3.80% rate is applied.

Does Iowa have any local income tax?

No. Iowa's income tax is entirely state-level, with no additional city or county wage tax.

Tax data verified 2026-07-21 against the official source. See our methodology.