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Everyday money · IA

Iowa Income Tax Calculator

Estimate your 2025 combined federal and Iowa income tax — Iowa adds a flat 3.8% state income tax.

InputsTY-2025
$
$
$
Federal + state tax16.7% effective
$16,651/yr
10% on $11,925$1,193
12% on $36,550$4,386
22% on $35,775$7,871
federal tax subtotal$13,449
IA state tax$3,202
taxable income
$84,250
marginal rate
22.0%
after tax
$83,350

Income tax in Iowa

Iowa moved to a flat 3.8% individual income tax starting tax year 2025, down from a 5.7% top rate in 2024. Iowa taxable income starts from federal taxable income, so the federal standard deduction is effectively built in (approximated here). Retirement income is fully excluded for taxpayers 55 and older, and many localities levy school-district surtaxes not included in this estimate.

Common questions

What is the Iowa state income tax rate?
Iowa has a flat 3.8% income tax that applies on top of federal tax.
Does Iowa tax capital gains?
Yes — Iowa taxes capital gains as ordinary income at the same rate as your wages.

How we calculate this

Federal brackets per our income-tax methodology, plus 2025 Iowa state tax. Estimates only — not tax advice.

Tax Foundation: 2025 state income tax rates →Iowa Dept. of Revenue →
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Estimates for general informational purposes only; not tax advice. Iowa figures are simplified (credits, local taxes, and AGI adjustments vary) and should be verified with the state Department of Revenue.