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Iowa Tax Calculator 2026

Estimate your federal and Iowa state taxes for the 2026 tax year.

Pre-configured for Iowa residents, 2026 tax year. Filing your 2025 return? Iowa Tax Calculator 2025

Your numbers

$
$6,250/mo

Pre-tax contributions

Max $24,500
Max $7,500
Max $4,400
0

$2,200 federal Child Tax Credit each, applied to your 2026 liability.

Estimate your refund (optional)

Enter what was withheld this year — W-2 box 2 (federal) and box 17 (state) — to compare against your estimated liability.

Take-home pay
$4,950

$59,394 per year, shown per month

Take-home pay79.2%$59,394
Federal income tax10.2%$7,670
IA state income tax2.9%$2,198
FICA (Social Security & Medicare)7.6%$5,738
Effective rate
20.8%

of gross income, all taxes

Marginal rate
25.8%

federal + IA on your next dollar

Estimate only, for a single W-2 earner taking the standard deduction. Many Iowa school districts levy an income surtax of up to 20% of your state tax liability, reported on the IA 1040. Itemized deductions and most credits beyond the Child Tax Credit aren't modeled.

Only the top slice pays 22%

Federal tax is progressive: each bracket taxes only the income inside it. Here is how your $58,900 of taxable income fills the 2026 brackets.

10%
$0 – $12,400
$1,240
12%
$12,400 – $50,400
$4,560
22%
$50,400 – $105,700
$1,870
24%
$105,700 – $201,775
—
32%
$201,775 – $256,225
—
35%
$256,225 – $640,600
—
37%
$640,600 and above
—

Understanding Iowa Income Taxes

Residents of Iowa pay state income tax on top of federal taxes. Iowa consolidated its brackets into a single 3.8% flat rate starting in 2025, taxing federal taxable income directly. The amount you owe depends on your taxable income, filing status, and the deductions and credits Iowa allows.

Key Takeaways for 2026

  • Federal tax brackets and standard deductions have been adjusted for inflation under IRS Rev. Proc. 2025-32.
  • Iowa's own rates and enacted 2026 changes are applied to your state estimate automatically.
  • Many Iowa school districts levy an income surtax of up to 20% of your state tax liability, reported on the IA 1040.
  • Don't forget FICA taxes (Social Security and Medicare) — they're withheld from your paycheck automatically and included in the take-home figure above.

Go Deeper on Your 2026 Taxes

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Frequently Asked Questions

What is the Iowa state income tax rate for 2026?

Iowa has a flat 3.8% state income tax for the 2026 tax year — every taxpayer pays the same rate regardless of income. Iowa consolidated its brackets into a single 3.8% flat rate starting in 2025, taxing federal taxable income directly.

How is Iowa state income tax calculated?

Iowa applies its flat 3.8% rate to your federal taxable income (income after the federal standard deduction). This calculator applies the latest published Iowa figures automatically.

How much tax will I pay on a $75,000 salary in Iowa?

Roughly $2,198 in Iowa state income tax for a single filer taking the standard deduction in 2026. Add about $7,670 of federal income tax and $5,738 of FICA (7.65%), for total taxes near $15,606 and take-home around $59,394. Credits and other income can change this.

What percentage of your paycheck goes to taxes in Iowa?

About 20.8% for a single filer earning $75,000 in 2026: federal income tax (~10.2%), FICA (7.65%), and Iowa state tax (~2.9%). Your exact percentage depends on income, filing status, and pre-tax contributions like a 401(k).

Does Iowa tax Social Security benefits?

No. Iowa does not tax Social Security benefits.

Does Iowa tax retirement income like 401(k) or pension withdrawals?

Iowa fully excludes retirement income — pensions, 401(k)/IRA distributions and annuities — for taxpayers 55 or older (since 2023); Social Security is exempt at every age.

Are there local income taxes in Iowa?

Many Iowa school districts levy an income surtax of up to 20% of your state tax liability, reported on the IA 1040. This calculator estimates state-level tax only.