Iowa income tax calculator
Estimate your 2026 Iowa and federal income tax and whether you will get a refund. A single filer earning $75,000 owes about $2,198 in Iowa income tax and $7,676 in federal income tax.
By John Crane, MBA & the Editorial Team · Updated for the 2026 tax year. How we check our numbers
Estimated federal amount owed
$876.00
Federal tax $9,876 · Iowa owed $2,578
| Federal tax | $9,876 | 11.6% |
|---|---|---|
| Iowa and local tax | $2,578 | 3.0% |
| Income after these taxes | $72,546 | 85.3% |
- Adjusted gross income
- $85,000
- Taxable income
- $68,900
- Deduction used
- Standard $16,100
- Federal bracket
- 22%
- Effective federal rate
- 11.6%
- IA tax after credits
- $2,578
Where your federal tax comes from
Ordinary income by bracketFederal return summary
Form 1040, 2026| Line | Amount |
|---|---|
| Total income | $85,000.00 |
| Adjustments | -$0.00 |
| Adjusted gross income | $85,000.00 |
| Standard deduction | -$16,100.00 |
| Taxable income | $68,900.00 |
| Income tax | $9,876.00 |
| Total federal tax | $9,876.00 |
| Withholding and estimated payments | $9,000.00 |
| Federal amount owed | $876.00 |
Iowa return
2026 rules| Line | Amount |
|---|---|
| State taxable income | $68,900.00 |
| Tax before credits | $2,618.20 |
| Exemption credits | -$40.00 |
| State tax after credits | $2,578.20 |
| State withheld | $0.00 |
| State amount owed | $2,578.20 |
- Line rules follow the 2025 IA 1040 instructions; the school district surtax rate must be entered from IDR's table.
- Most Iowa school districts add a surtax of a few percent of Iowa tax; enter your district's rate to include it.
Income tax in Iowa
- Iowa taxes income at a flat 3.8% and starts from federal taxable income, so the federal standard or itemized deduction and the federal tips, overtime, senior and car loan deductions all carry over.
- Social Security is fully excluded, and retirement distributions such as pensions, IRAs and 401(k)s are fully excluded for recipients 55 or older.
- Exemption credits are $40 per personal credit and dependent, and refundable credits include an EITC of 15% of the federal credit and a care credit of 30% to 75% of the federal credit, with none at $90,000 or more of Iowa taxable income.
- Residents may also owe a school district surtax, a percentage of Iowa tax set by the district where they lived on December 31.
2026 income tax at common incomes (wages only, standard deduction)
| Income | Federal tax, single | Iowa tax, single | Iowa rate, single | Iowa tax, married |
|---|---|---|---|---|
| $40,000 | $2,623 | $868 | 2.2% | $216 |
| $60,000 | $5,023 | $1,628 | 2.7% | $976 |
| $75,000 | $7,676 | $2,198 | 2.9% | $1,546 |
| $100,000 | $13,176 | $3,148 | 3.1% | $2,496 |
| $150,000 | $24,734 | $5,048 | 3.4% | $4,396 |
Rates
Top rate 3.8%. At $75,000 of wages, each extra $1,000 adds about $38 of Iowa tax.
Family example
A married couple earning $60,000 with two children and $4,000 of child care: Iowa tax of $1,056 before credits, credits of Exemption credits ($160), Iowa EITC ($186), Child and dependent care credit ($525), for $185 owed.
Local income tax
None figured on the Iowa return.
Examples assume wages only, the standard deduction and no other income. See what comes out of each check in the Iowa paycheck calculator.
More for Iowa: Iowa paycheck calculator · Iowa mortgage calculator · Iowa home affordability calculator
Income tax calculators for other states
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How this is calculated
Federal return
The 2026 Form 1040: standard or itemized deduction, the new Schedule 1-A deductions, tax rates, child tax credit, child and dependent care credit and EITC.
Iowa
Iowa's 2026 resident return: its starting point, Social Security and retirement adjustments, deductions, exemptions, rates and main credits.
Sources
Official Iowa tax guidance (3 sources), checked for 2026. Line rules follow the 2025 IA 1040 instructions; the school district surtax rate must be entered from IDR's table.
Sources
Related guides
- How bonuses are taxed in 2026Why a bonus check looks smaller than a paycheck, the 22% federal flat rate, every state's bonus withholding rate, and what you actually owe at tax time.
- 2026 federal income tax brackets and standard deductionThe 2026 tax brackets for every filing status, the standard deduction, how marginal rates really work, and what a typical household pays.
- The 2026 tips and overtime deductions, explainedWho can deduct tips and overtime pay from 2025 through 2028, the limits and phase-outs, what counts, which states follow, and how much they save.
- How to adjust your W-4 so you don't owe at tax timeWhat each step of the 2026 Form W-4 does, how to fix withholding that is too low or too high, and worked examples for two jobs, kids and side income.
- How RSUs are taxedRSUs are taxed as pay when they vest. Why the 22% withheld often falls short, how sell-to-cover works, and the 1099-B mistake that taxes income twice.
- ISO vs NSO stock options: taxes and AMTHow ISOs and NSOs are taxed at exercise and sale, when ISOs trigger the alternative minimum tax, and how many you can exercise before it applies.
- States with no income tax, and what they charge insteadThe nine states with no tax on wages, how much a typical worker saves there, and the sales, property and other taxes that make up the difference.
- Which states tax Social Security benefits in 2026?The states that still tax Social Security, their exemptions and income limits, what a typical retiree pays in each, and how federal tax on benefits works.
- The 2026 SALT deduction cap, explainedThe $40,000 cap on deducting state and local taxes, how it shrinks above $500,000 of income, who should itemize now, and what it saves by state.
Questions
How much Iowa income tax do I pay on $75,000?
About $2,198 for a single filer with only wage income and the standard deduction (2.9% of income), or $1,546 for a married couple filing jointly on the same income. Federal income tax on $75,000 for a single filer is about $7,676.
What is Iowa's top income tax rate in 2026?
3.8% on the highest incomes. At $75,000 of wages, each extra $1,000 adds about $38 of Iowa tax.
Does Iowa tax Social Security and retirement income?
A single retiree aged 67 with $30,000 of Social Security and $30,000 of pension or IRA withdrawals owes no Iowa income tax in 2026 once the state's exclusions, deductions and rates are applied.