---
title: "Iowa 1099 Tax Calculator 2026: Self-Employment & State Tax | TaxWren"
description: "Estimate 2026 Iowa state income tax, self-employment tax and federal income tax for freelancers and 1099 contractors, plus how much to set aside."
url: https://taxwren.com/1099-tax-calculator/iowa
---

2026 tax year · updated Oct 10, 2026

# Iowa 1099 tax calculator

Iowa has a flat income tax of 3.8%. Estimate your self-employment, federal and Iowa taxes below.

Estimated take-home

23.7% effective

For $85,000 of 1099 income · Single · Iowa

$64,850

$5,404 per month

Set aside 24% of every payment

That covers federal, self-employment and state tax on this income.

- Self-employment tax: $12,010
- Federal income tax: $5,790
- State income tax: $2,350
- Total estimated tax: $20,150

## 2026 quarterly payments (Form 1040-ES)

-   Q1 · due Apr 15, 2026
    
    $5,038
    
    Covers Jan 1 – Mar 31
    
-   Q2 · due Jun 15, 2026
    
    $5,038
    
    Covers Apr 1 – May 31
    
-   Q3 · due Sep 15, 2026
    
    $5,038
    
    Covers Jun 1 – Aug 31
    
-   Q4 · due Jan 15, 2027
    
    $5,038
    
    Covers Sep 1 – Dec 31
    

What this estimate assumes

-   Standard deduction (no itemizing)
-   No employees or business property (QBI wage limits treated as zero)
-   No child tax credit
-   No county or city income tax (Iowa has local income taxes in some areas)
-   Excludes 2025 law deductions for tips, overtime, seniors and car loan interest

Estimate for information only, not tax advice. 2026 figures from IRS Rev. Proc. 2025-32.

## Taxes for Iowa freelancers in 2026

Single filers get a standard deduction of $16,100 ($32,200 married filing jointly) and a personal exemption credit of $40.

On $85,000 of 1099 profit, a single filer owes about $2,350 in Iowa income tax on top of $17,800 in federal taxes. That ranks 16th lowest of 51 (50 states and DC), $379 less than the median state.

Among its neighbors, South Dakota would tax the same income less, while Nebraska, Missouri, Wisconsin, Illinois and Minnesota would tax it more.

Iowa also has local (county or city) income taxes. They average 0.08% of adjusted gross income statewide (2023 IRS and Census data compiled by the Tax Foundation) and are not included in these estimates.

## Iowa income tax brackets for 2026

| Rate | Single: taxable income over | Married jointly: over |
| --- | --- | --- |
| 3.8% | $0 | $0 |

## Iowa vs. neighboring states

Tax on $85,000 of 1099 profit for a single filer in 2026. The median across all 50 states and DC is $2,729 of state income tax.

| State | State tax | Total tax | Take-home |
| --- | --- | --- | --- |
| Iowa | $2,350 | $20,150 | $64,850 |
| [Illinois](/1099-tax-calculator/illinois) | $3,765 | $21,565 | $63,435 |
| [Minnesota](/1099-tax-calculator/minnesota) | $3,848 | $21,648 | $63,352 |
| [Missouri](/1099-tax-calculator/missouri) | $2,735 | $20,535 | $64,465 |
| [Nebraska](/1099-tax-calculator/nebraska) | $2,715 | $20,515 | $64,485 |
| [South Dakota](/1099-tax-calculator/south-dakota) | $0 | $17,800 | $67,200 |
| [Wisconsin](/1099-tax-calculator/wisconsin) | $2,806 | $20,606 | $64,394 |

## How Iowa taxes changed

For 2026, Iowa raised the single standard deduction from $15,750 to $16,100. State tax on $85,000 of 1099 profit falls from $2,363 to $2,350 (−$13).

Iowa income tax on $85,000 of 1099 profit

Take-home pay on a $75,000 salary

|  | 2025 | 2026 |
| --- | --- | --- |
| Top income tax rate | 3.8% | 3.8% |
| Standard deduction (single) | $15,750 | $16,100 |
| State tax on $85,000 of 1099 profit | $2,363 | $2,350 |
| Take-home on a $75,000 salary | $59,102 | $59,394 |

Each year uses that year's federal and Iowa rules, so the take-home row also reflects federal changes. [Federal changes](/federal-tax-brackets) · [All data updates](/tax-law-changes)

Sources: [Iowa revenue department](https://revenue.iowa.gov), [Tax Foundation, State Individual Income Tax Rates and Brackets](https://taxfoundation.org/data/all/state/state-income-tax-rates-2026/), [IRS Rev. Proc. 2025-32](https://www.irs.gov/pub/irs-drop/rp-25-32.pdf). See our [methodology](/methodology).

## Iowa 1099 tax FAQ

### Does Iowa have a state income tax?

Iowa has a flat income tax of 3.8%.

### How much should a freelancer in Iowa set aside for taxes?

A single filer with $85,000 of 1099 profit and no other income should set aside about 24% of every payment in 2026: $12,010 self-employment tax, $5,790 federal income tax and $2,350 Iowa income tax. Use the calculator for your own income, expenses and filing status.

### What is the top Iowa income tax rate in 2026?

3.8%. Iowa has a flat income tax of 3.8%.

### Do I need to make estimated tax payments to Iowa?

Generally yes, if you expect to owe state tax that is not covered by withholding. Iowa sets its own thresholds and due dates; check the Iowa revenue department's estimated payment rules.

Iowa at a glance

- Top income tax rate: 3.8%
- State tax on $85,000: $2,350
- Rank (1 = lowest): 16 of 51
- Set aside: 24%

Nearby states

-   [Iowa take-home pay calculator](/take-home-pay-calculator/iowa)
-   [Illinois 1099 tax calculator](/1099-tax-calculator/illinois)
-   [Minnesota 1099 tax calculator](/1099-tax-calculator/minnesota)
-   [Missouri 1099 tax calculator](/1099-tax-calculator/missouri)
-   [Nebraska 1099 tax calculator](/1099-tax-calculator/nebraska)
-   [South Dakota 1099 tax calculator](/1099-tax-calculator/south-dakota)
-   [Wisconsin 1099 tax calculator](/1099-tax-calculator/wisconsin)

[Compare all states on the map](/states)