Iowa Weekly Paycheck Calculator

Annual Salary ($): OR Hourly Rate ($): Hours per Week: Filing Status: Pre-Tax Deductions per Week ($): Post-Tax Deductions per Week ($): Extra Federal/State Withholding per Week ($):

Free Iowa Weekly Paycheck Calculator 2025 – Easily Estimate Your Take-Home Pay

When you get paid in Iowa, your paycheck isn’t just your salary divided by the number of weeks in a year. Several taxes and deductions reduce your gross income before you receive your net pay. An Iowa Weekly Paycheck Calculator helps you break down your earnings into clear categories so you know exactly what you’ll take home each week.

How Paychecks Are Calculated in Iowa

A paycheck in Iowa includes federal, state, and other required withholdings:

Federal Taxes
- The IRS applies a progressive tax system (10%–37%), depending on your income and filing status (single, married, or head of household).
- Federal withholding is also influenced by allowances, dependents, and your W-4 elections.
FICA Taxes (Social Security & Medicare)
- Social Security: 6.2% on wages up to the annual limit ($168,600 in 2025).
- Medicare: 1.45% on all wages, plus an additional 0.9% for high earners ($200,000+ single, $250,000+ married).
Iowa State Taxes
- Iowa uses a flat 3.8% state income tax rate in 2025.
- This applies equally to all taxpayers, regardless of income.
Local Taxes
- Unlike some states, Iowa does not impose local or city-level income taxes, which keeps calculations simpler.
Other Deductions
- Pre-tax deductions: contributions to 401(k), HSA, or employer-provided health insurance reduce taxable income.
- Post-tax deductions: insurance premiums, union dues, or wage garnishments reduce your net pay after taxes.

Pay Frequency and Its Impact

Pay frequency changes how much you receive per paycheck, but not your total yearly income.

Weekly (52 paychecks/year): Consistent weekly pay, common for hourly jobs.
Biweekly (26 paychecks/year): Most popular in Iowa, sometimes results in an extra paycheck in a year.
Semi-monthly (24 paychecks/year): Fixed paydays, like the 15th and last day of the month.
Monthly (12 paychecks/year): Larger checks, but fewer per year — requires stronger budgeting.

Practical Example – Iowa Weekly Paycheck

Imagine earning $52,000 annually in Iowa, with weekly pay (52 periods).

Gross weekly pay = $52,000 ÷ 52 = $1,000
Federal tax (approx., single filer) = $120
Social Security (6.2%) = $62.00
Medicare (1.45%) = $14.50
Iowa state tax (3.8%) = $38.00
Net pay = $765.50 per week

This doesn’t include adjustments like 401(k) contributions or health insurance, which would lower taxable income and reduce taxes.

Why Use an Iowa Weekly Paycheck Calculator?

An Iowa paycheck calculator is more than just a convenience — it’s a smart financial tool:

Helps you budget week to week.
Shows the impact of taxes and deductions on your pay.
Useful for comparing salary vs hourly wages.
Helps workers understand the value of pre-tax benefits (like retirement savings).
Provides clarity for job changes, promotions, or moving between pay schedules.

FAQs – Iowa Weekly Paychecks

1. Does Iowa have a state income tax?
Yes. As of 2025, Iowa applies a flat 3.8% tax rate to all taxable income.

2. Are there local income taxes in Iowa?
No. Iowa does not impose additional city or county income taxes.

3. How much is Social Security tax in Iowa?
It’s a federal tax of 6.2% on wages up to the IRS annual cap.

4. How much is Medicare tax in Iowa?
It’s 1.45% on all wages, with an extra 0.9% for high earners.

5. Does pay frequency affect my total taxes?
No, but it affects how much tax is withheld per paycheck. Your yearly total tax remains the same.

6. Can I use the calculator for hourly wages?
Yes. Enter your hourly rate × hours per week to calculate weekly gross income.

7. How do pre-tax deductions affect my paycheck?
They reduce taxable income, lowering both federal and state taxes.

8. How are bonuses taxed in Iowa?
Bonuses are considered supplemental wages and are generally subject to flat federal withholding (22%) plus Iowa’s 3.8% flat tax.

9. What’s the difference between net pay and gross pay?
Gross pay is your earnings before taxes/deductions. Net pay is your actual take-home amount.

10. Why is my weekly paycheck smaller than I expected?
Common reasons include federal/state withholding, Social Security, Medicare, retirement contributions, and insurance premiums.