Is this take-home figure exact?

No. It is an educational estimate from our rate files. Local taxes, benefits, and your W-4 choices can change a real paycheck. Confirm with your pay stub and the IRS withholding estimator.

Does Counttaxes include state income tax?

Yes for modeled states. Some states have no wage income tax; others use flat or progressive brackets. Local city taxes are only included where we model them (for example NYC when selected).

How does filing status affect my paycheck?

Federal withholding tables use your filing status from Form W-4. Changing status in this calculator updates the federal income-tax estimate; it does not file a W-4 for you.

FICA is Social Security and Medicare withheld from wages. Social Security applies up to an annual wage base; Medicare has no wage base and may include Additional Medicare Tax at higher incomes.

Why does pay frequency change the per-check amount?

The same annual salary split over more checks (for example biweekly vs monthly) makes each check smaller. Annual totals stay the same in our model before rounding.

Preview rates, not verified

Estimates only

Iowa take-home pay calculator

Tax year 2026 (Jan 1 – Dec 31, 2026)

Region(required)

Gross pay

Pay frequency

Filing status

Pre-tax 401(k)

Traditional elective deferral — reduces taxable income, not FICA. Cap $24,500/yr (under age 50).

Advanced options

Your age

Age 50+ / 60–63 raise the 401(k) elective deferral cap; age 55+ adds the fixed $1,000 HSA catch-up when present in the verified national file.

Dependents

Adds state/city personal exemptions beyond yourself (and spouse if MFJ) where the state file models them. Federal tax credits for dependents are not modeled.

Roth 401(k)

Does not reduce taxable income. Real plans share the elective deferral limit with pre-tax 401(k).

HSA coverage

HSA contribution (annual)

Self-only $4,400; family $8,750; +$1,000 if age ≥ 55. Payroll HSA reduces FICA. Some states (e.g. California) do not conform — HSA still counts in state wages.

Other pre-tax benefits (annual)

Health/dental/vision, FSA, dependent-care FSA, commuter — reduces AGI and FICA.

Federal deduction

Results update as you type. Methodology · Annual figures are exact; per-paycheck figures are rounded.

Your result will appear here

Tax year 2026

How Iowa take-home is calculated

Figures below come from the same rate files and engine as the live calculator. Educational estimates only — confirm with IRS and your pay stub.

How we count in Iowa

State/region tax model: flat rate.
Not modeled for this region: State payroll levies; Personal exemptions; Personal Credit.
Uses the standard deduction only; itemizing is not modeled.

Full United States methodology · Bracket tables · Engine & privacy

Sources & status

Preview — not verified

Preview rates — not yet line-checked against IRS. Open the sources page to see every link and the numbers currently loaded.

Federal

IRS Rev. Proc. 2025-32 (brackets + standard deduction) →verified 2026-10-11
IRS newsroom IR-2025-103 tax year 2026 inflation adjustments →verified 2026-10-11
SSA contribution and benefit base 2026 →verified 2026-10-11
IRS retirement topics — 401(k) contribution limits 2026 →verified 2026-10-11
IRS — HSA contribution limits (Pub. 969; age-55 catch-up $1,000 fixed) →verified 2026-11-07
IRS newsroom — 401(k) limit $24,500; catch-up $8,000 / ages 60–63 $11,250 (2026) →verified 2026-11-07
IRS — Retirement topics catch-up contributions (2026) →verified 2026-11-07

US sources & loaded numbers

Related United States guides

Form W-4

Iowa tax brackets (2026)

Federal income tax brackets (Single)

From	To	Rate
$0.00	$12,400.00	10.00%
$12,400.00	$50,400.00	12.00%
$50,400.00	$105,700.00	22.00%
$105,700.00	$201,775.00	24.00%
$201,775.00	$256,225.00	32.00%
$256,225.00	$640,600.00	35.00%
$640,600.00	and above	37.00%

Iowa flat state tax

From	To	Rate
$0.00	and above	3.80%

How a US paycheck works

Every US paycheck starts with the same federal layers: income-tax withholding from Form W-4, plus Social Security and Medicare (FICA). State and local lines come next when your region files them.

Counttaxes estimates annual liability from verified rate files, then shows per-paycheck amounts for your frequency — not a live payroll withholding run.

Read the full US paycheck guide →

Worked examples (Iowa, annual, default assumptions)

Gross	Net	Effective
$60,000.00	$48,110.00	19.8%
$100,000.00	$75,380.00	24.6%
$150,000.00	$108,091.00	27.9%

Frequently asked questions

Is this take-home figure exact?: No. It is an educational estimate from our rate files. Local taxes, benefits, and your W-4 choices can change a real paycheck. Confirm with your pay stub and the IRS withholding estimator.
Does Counttaxes include state income tax?: Yes for modeled states. Some states have no wage income tax; others use flat or progressive brackets. Local city taxes are only included where we model them (for example NYC when selected).
How does filing status affect my paycheck?: Federal withholding tables use your filing status from Form W-4. Changing status in this calculator updates the federal income-tax estimate; it does not file a W-4 for you.
What are FICA taxes?: FICA is Social Security and Medicare withheld from wages. Social Security applies up to an annual wage base; Medicare has no wage base and may include Additional Medicare Tax at higher incomes.
Why does pay frequency change the per-check amount?: The same annual salary split over more checks (for example biweekly vs monthly) makes each check smaller. Annual totals stay the same in our model before rounding.