This Iowa paycheck calculator helps you quickly estimate your real take-home pay after federal tax, Iowa flat tax, FICA, deductions, and overtime. Built for Iowa workers, farmers, and Illinois commuters, it shows accurate per-paycheck and annual net income.
(1.5x Rate)
Adds estimate for variable income ranges.
⚠️ Rate below Iowa Minimum Wage ($7.25).
Estimated federal withholding.
Enter total dollar amount from IA W-4 Step 3 (e.g., $40).
Projected flat-tax model simplification.
Show Advanced Options (Reciprocity, Budget, 401k) ▼
Residency & Reciprocity
Illinois residents are exempt from IA withholding (File Form 44-016).
For school district levies or specific employer deductions.
Monthly Budget Estimator (Optional)
Net Pay
$0.00
Take Home Amount
Total Taxes
$0.00
Fed + State + FICA
Effective Tax Rate
0.0%
(Incl. FICA & State)
Iowa Tax Reform (2026 Projection)
Flat Tax Implementation:
Iowa is transitioning to a flat income tax. This calculator uses the projected 3.9% Flat Rate.
Iowa is transitioning to a flat income tax. This calculator uses the projected 3.9% Flat Rate.
Saving approx $0.00/yr with flat tax.
Variable Income Estimate (±20%)
Low Paycheck: $0.00
Avg Paycheck: $0.00
High Paycheck: $0.00
Monthly Budget Reality
Monthly Net Pay: $0.00
Expenses: -$0.00
Remaining Cash: $0.00
Monthly estimate based on average pay cycles
True Cost of Overtime
Extra Gross Pay: $0.00
Tax on OT: -$0.00
Real OT Take-Home: $0.00
Breakdown
Regular Pay$0.00
Overtime Pay (1.5x)$0.00
Gross Pay
$0.00
Federal Tax-$0.00
Social Security (6.2%)-$0.00
Medicare (1.45%)-$0.00
IA State Tax (3.9%)-$0.00
*Employer may not withhold state tax (< $1)
Pre-Tax Deductions-$0.00
Post-Tax Deductions-$0.00
Net Pay
$0.00
Distribution
Estimated Annual W-2 Preview
Box 1 (Wages): $0.00
Box 2 (Fed Tax): $0.00
Box 16 (State Wage): $0.00
Box 17 (State Tax): $0.00
State wages usually match Box 1 for Iowa employees
Pay Frequency Comparison
| Frequency | Gross Pay | Total Tax | Net Pay |
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