Paycheck Calculator — Iowa
Iowa charges a flat 3.8% on federal taxable income, so the federal standard deduction shields the first slice of wages before Iowa's rate applies at all. That structure yields an estimated $1,668.20 of Iowa tax on a $60,000 single salary and about $48,721.80 of annual net pay in this model — an 81.2% take-home rate.
2026 take-home pay estimate
Annual gross used: $85,000
Estimated take-home, per year
$66,009.30
- Net per year
- $66,009
- Take-home rate
- 77.7%
- Top federal rate
- 22%
- Paychecks / year
- 1
Annual deductions from gross
Estimate for the 2026 tax year using the federal standard deduction and published IRS/SSA rates. It does not model itemized deductions, tax credits, dependents, or local city taxes. Iowa applies a flat 3.80% rate to a base that conforms to federal taxable income. State credits and Iowa's retirement-income exclusion are not modeled. Not tax advice.
How federal conformity shapes the Iowa line
Iowa finished its multi-year consolidation at a single 3.8% rate, and it applies that rate to a base conforming to federal taxable income. A $60,000 single filer first subtracts the 2026 federal standard deduction, so Iowa's 3.8% reaches only $43,900 — an estimated $1,668.20, or about 2.8% of gross pay. Few states with an income tax take less from a mid-range paycheck.
The model does not capture Iowa's tax credits or its generous retirement-income exclusion, and it supports only single and married-filing-jointly statuses. Numbers here are a 2026 estimate for planning purposes, not tax advice.
Questions
- Why is Iowa's effective rate below its 3.8% flat rate?
- Iowa's tax base conforms to federal taxable income, so the federal standard deduction is subtracted before the 3.8% applies. On a $60,000 single salary, only $43,900 is taxed — making the modeled $1,668.20 about 2.8% of gross pay.
- Does the model account for Iowa's retirement-income exclusion?
- No. Iowa excludes most retirement income from tax for eligible filers, and state credits are also unmodeled — this page covers wage income only. Treat the output as a 2026 estimate, not tax advice.