Iowa Paycheck Calculator 2026
Calculate your exact net salary in Des Moines, Cedar Rapids, Davenport, and statewide across Iowa. Iowa taxes individual income at a flat 3.8% rate, with no local city income tax.
Salary & Withholding Inputs
Live ComputeComprehensive Payroll Deduction Breakdown Per Paycheck & Annual
| Category | Per Paycheck | Annual Total | % Gross |
|---|---|---|---|
| Gross Pay | $3,846.15 | $100,000.00 | 100.0% |
| 401(k) Retirement Pre-Tax | -$192.31 | -$5,000.00 | 5.0% |
| Pre-Tax Health Insurance | -$69.23 | -$1,800.00 | 1.8% |
| Federal Income Tax (IRS) | -$449.00 | -$11,674.00 | 12.3% |
| Social Security (6.2%) | -$238.46 | -$6,200.00 | 6.2% |
| Medicare (1.45%) | -$55.77 | -$1,450.00 | 1.5% |
| Iowa State Income Tax (3.8%) | -$136.22 | -$3,541.60 | 3.5% |
| Net Take-Home Pay | $2,705.17 | $70,334.40 | 67.8% |
Midwest Tax Comparison
IA 3.8% vs IA 3.8%Iowa taxes all income at a flat 3.8% rate. In neighboring Iowa, there is a 3.8% rate. In Minnesota, there is a 7.0% rate.
Frequently Asked Questions: Iowa Paycheck Taxes
1. What is the Iowa state income tax rate in 2026?
Iowa imposes a flat personal income tax rate of 3.8% on taxable income. Every taxpayer pays the same 3.8% rate, making Iowa one of the simplest states for paycheck withholding estimates.
2. Do Des Moines residents pay a city income tax?
No. Unlike New York City, Philadelphia, or Detroit, Des Moines does not levy an additional local municipal income tax on employees. You only pay federal income tax, FICA, and Iowa state tax.
3. Does Iowa have state disability insurance (SDI) tax?
No. Unlike California, New Jersey, or New York, Iowa does not have a mandatory state disability insurance (SDI) deduction taken from your paycheck.