Use this free Indiana paycheck calculator to see your 2026 take-home pay from a salary or an hourly wage. It shows every deduction: federal income tax, the flat 2.95% Indiana income tax, your county income tax for all 92 counties, Social Security and Medicare, per paycheck and per year.
How Indiana Paycheck Taxes Work: 2026 Guide
Updated for 2026. Indiana's flat income tax drops to 2.95% in 2026, from 3.0% in 2025. Every county adds its own income tax of 0.5% to 3%, based on where you live on January 1. For 2026 only, Indiana also lets you deduct qualified tips and overtime from both state and county tax. The minimum wage is the federal $7.25. Every figure on this page comes from the Indiana Department of Revenue, the IRS or SSA.
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How your Indiana paycheck is calculated
Your employer starts with your gross pay, removes pre-tax benefits, withholds federal, Indiana and county income tax, Social Security and Medicare, takes after-tax deductions and pays you the rest.
- Gross paySalary, or hours × rate, plus overtime, bonuses and tips
- Pre-tax deductions401(k), health premiums, HSA, FSA, commuter benefits
- TaxesFederal income tax, 2.95% Indiana tax, county tax, Social Security and Medicare
- After-tax deductionsRoth 401(k), union dues, garnishments
- Net payThe take-home amount paid to you
What is taken out of an Indiana paycheck in 2026
| Deduction | 2026 rate | Applies to |
|---|---|---|
| Federal income tax | 10% to 37% by bracket | Taxable wages after the federal standard deduction |
| Indiana income tax | 2.95% flat | Federal AGI minus Indiana exemptions |
| County income tax | 0.5% to 3% | The same income, at your county's rate |
| Social Security | 6.2% | Wages up to $184,500 |
| Medicare | 1.45%, plus 0.9% over $200,000 | All wages |
| State disability or family leave | None | Indiana has no employee payroll contribution |
Indiana flat income tax rate for 2026
Indiana taxes income at a flat 2.95% in 2026, down from 3.0% in 2025 (Indiana Department of Revenue, Departmental Notice #1). It starts from federal adjusted gross income, so traditional 401(k) contributions, health premiums, HSA and FSA contributions lower your Indiana tax too. Indiana has no standard deduction. Instead it gives:
- $1,000 exemption for you, your spouse and each dependent;
- $1,500 more for each dependent child;
- $1,000 more if you or your spouse is 65 or older (and again if blind).
A single filer earning $100,000 has $99,000 of Indiana taxable income. The state tax is 2.95% of that, or $2,920.50. A married couple with two children gets $7,000 of exemptions.
Indiana county income tax rates for 2026
Every Indiana county charges a local income tax on the same taxable income as the state tax. You pay the rate of the county where you lived on January 1. If you live outside Indiana, you pay the rate of the county where you mainly work. In Marion County (Indianapolis) the rate is 2.02%, which adds $2,000 a year on a $100,000 salary. Choose your county in the calculator under Personal Details. These are the rates in effect from October 1, 2026:
| County | Rate | County | Rate |
|---|---|---|---|
| Adams | 1.6% | Lawrence | 1.75% |
| Allen | 1.59% | Madison | 2.25% |
| Bartholomew | 1.75% | Marion | 2.02% |
| Benton | 1.79% | Marshall | 1.25% |
| Blackford | 2.5% | Martin | 2.5% |
| Boone | 1.71% | Miami | 2.54% |
| Brown | 2.5234% | Monroe | 2.14% |
| Carroll | 2.4733% | Montgomery | 2.65% |
| Cass | 2.95% | Morgan | 2.72% |
| Clark | 2% | Newton | 1% |
| Clay | 2.35% | Noble | 1.75% |
| Clinton | 2.65% | Ohio | 2% |
| Crawford | 1.65% | Orange | 1.75% |
| Daviess | 1.5% | Owen | 2.5% |
| Dearborn | 1.4% | Parke | 2.65% |
| Decatur | 2.45% | Perry | 1.4% |
| DeKalb | 2.13% | Pike | 1.2% |
| Delaware | 1.5% | Porter | 0.5% |
| Dubois | 1.2% | Posey | 1.45% |
| Elkhart | 2% | Pulaski | 2.85% |
| Fayette | 2.82% | Putnam | 2.3% |
| Floyd | 1.89% | Randolph | 3% |
| Fountain | 2.1% | Ripley | 2.38% |
| Franklin | 1.7% | Rush | 2.15% |
| Fulton | 2.88% | St. Joseph | 1.75% |
| Gibson | 1.3% | Scott | 2.16% |
| Grant | 2.75% | Shelby | 1.7% |
| Greene | 2.35% | Spencer | 0.8% |
| Hamilton | 1.1% | Starke | 1.71% |
| Hancock | 1.94% | Steuben | 1.99% |
| Harrison | 1% | Sullivan | 1.7% |
| Hendricks | 1.7% | Switzerland | 1.45% |
| Henry | 2.02% | Tippecanoe | 1.28% |
| Howard | 2.35% | Tipton | 2.6% |
| Huntington | 1.95% | Union | 2.75% |
| Jackson | 2.1% | Vanderburgh | 1.25% |
| Jasper | 2.864% | Vermillion | 1.5% |
| Jay | 2.5% | Vigo | 2% |
| Jefferson | 1.03% | Wabash | 2.9% |
| Jennings | 2.5% | Warren | 2.12% |
| Johnson | 1.4% | Warrick | 1% |
| Knox | 1.7% | Washington | 2% |
| Kosciusko | 1% | Wayne | 1.25% |
| LaGrange | 1.65% | Wells | 2.1% |
| Lake | 1.5% | White | 2.32% |
| LaPorte | 1.45% | Whitley | 1.6829% |
Counties can change their rates, usually from January 1 or October 1, so check the latest Departmental Notice #1 if your county has recently voted on a change.
Tips and overtime: Indiana's 2026 deduction
Senate Enrolled Act 243, passed in 2026, lets Indiana taxpayers deduct the same qualified tips and overtime as the federal law allows, for the 2026 tax year only (KSM summary of the 2026 session). That means up to $25,000 of tips and up to $12,500 of overtime premium ($25,000 for joint filers) come off both your state and county taxable income. A server in Marion County earning $40,000 plus $15,000 in tips pays Indiana and county tax on $39,000 instead of $54,000. Lawmakers will decide in 2027 whether to extend it. The calculator applies it for 2026 and not for 2025.
Federal taxes on every Indiana paycheck
Federal income tax depends on your income, filing status and the choices on your W-4. For 2026 the brackets run from 10% to 37%, and the standard deduction is $16,100 for single filers, $32,200 for joint filers and $24,150 for heads of household (IRS).
- Social Security: 6.2% of wages up to $184,500 in 2026, a maximum of $11,439 (SSA).
- Medicare: 1.45% of all wages. Employers also withhold an extra 0.9% on wages above $200,000 in a year.
Take-home pay examples in Indiana for 2026
These results come from the calculator above for a single filer in Marion County (Indianapolis) paid monthly, with no pre-tax deductions:
| Salary | Federal tax | IN tax | County tax | Social Security + Medicare | Take-home per year | Per month | Total tax rate |
|---|---|---|---|---|---|---|---|
| $50,000 | $3,820 | $1,446 | $990 | $3,825 | $39,920 | $3,327 | 20.2% |
| $60,000 | $5,020 | $1,741 | $1,192 | $4,590 | $47,458 | $3,955 | 20.9% |
| $75,000 | $7,670 | $2,183 | $1,495 | $5,738 | $57,915 | $4,826 | 22.8% |
| $100,000 | $13,170 | $2,921 | $2,000 | $7,650 | $74,260 | $6,188 | 25.7% |
| $150,000 | $24,734 | $4,396 | $3,010 | $11,475 | $106,386 | $8,865 | 29.1% |
| $200,000 | $36,734 | $5,871 | $4,020 | $14,339 | $139,037 | $11,586 | 30.5% |
A married couple filing jointly on $150,000 of combined pay takes home about $115,829 a year in Marion County (22.8% in total taxes). With two children under 17, a couple earning $100,000 takes home about $84,488. An hourly worker on $25 an hour, 40 hours a week, earns $52,000 and takes home about $41,427 a year, or $3,452 a month. On a $75,000 salary the county makes a difference of a few hundred dollars: about $58,596 in Hamilton County (1.1%), $58,233 in Allen County (1.59%) and $57,915 in Marion County (2.02%).
Where a $75,000 Indiana salary goes in 2026
Single filer in Marion County, no pre-tax deductions, yearly amounts
Source: Digicalcy calculation using 2026 IRS, SSA and Indiana Department of Revenue rates.
Indiana take-home pay compared with nearby states
On a $100,000 salary, a single filer keeps about $74,260 in Indianapolis, $74,375 in Illinois, $75,181 in Michigan with no city tax and $74,367 in Ohio when working in a city with a 2.5% income tax. Compare with our Illinois, Michigan and Ohio paycheck calculators.
Live in Indiana but work in another state? Indiana has reciprocal agreements with Kentucky, Michigan, Ohio, Pennsylvania and Wisconsin, so if you live in Indiana and work in one of those states, only Indiana taxes your wages (file the other state's exemption form with your employer). Illinois has no agreement with Indiana, so Illinois tax applies to wages earned there and Indiana gives a credit.
Paychecks in Indianapolis, Fort Wayne and Evansville
Indiana state tax is the same everywhere; the county rate is what changes. Indianapolis (Marion County) is 2.02%, Fort Wayne (Allen) 1.59%, Evansville (Vanderburgh) 1.25%, South Bend (St. Joseph) 1.75%, Carmel and Fishers (Hamilton) 1.1% and Gary and Hammond (Lake) 1.5%. Porter County has the lowest rate at 0.5%, and Randolph County the highest at 3%.
How bonuses, overtime and tips are taxed in Indiana
- Bonuses: Employers usually withhold a flat 22% federal tax on bonuses, plus 2.95% Indiana tax, your county tax, Social Security and Medicare. On a $100,000 salary in Marion County you keep about $6,538 of a $10,000 bonus. See the bonus tax calculator.
- Overtime: Indiana follows the federal rule: 1.5 times the regular rate for hours over 40 in a workweek. For 2026 the extra half-time pay is deductible on your federal, Indiana and county returns. See the overtime calculator.
- Tips: Tipped workers can be paid $2.13 an hour in cash wages if tips bring them to $7.25. For 2026, up to $25,000 of qualified tips is deductible from federal, Indiana and county tax.
How pre-tax deductions lower your Indiana taxes
| Deduction | Federal income tax | Indiana and county tax | Social Security and Medicare |
|---|---|---|---|
| Traditional 401(k), 403(b), 457 | Lowers | Lowers | No change |
| Health, dental and vision premiums | Lowers | Lowers | Lowers |
| HSA through payroll | Lowers | Lowers | Lowers |
| Health and dependent care FSA | Lowers | Lowers | Lowers |
A $10,000 401(k) contribution on a $100,000 Indiana salary
Single filer in Marion County, 2026, yearly amounts
The contribution saves $2,697 in income tax, so take-home pay falls by only $7,303.
Salary or hourly pay in Indiana
For hourly pay, multiply your rate by your weekly hours and by 52. A full-time year is 2,080 hours. Indiana's minimum wage matches the federal $7.25 an hour, or $15,080 a year full time (U.S. Department of Labor). A full-time worker on $7.25 an hour in Marion County pays no federal income tax but about $700 of Indiana and county tax, and takes home about $13,227 a year.
When you leave a job, Indiana employers must pay your final wages by the next regular payday.
Why your actual paycheck may differ from this estimate
- This calculator estimates your tax for the full year. Employers withhold using the IRS and Indiana withholding methods and your W-4 and WH-4, so each check can be a little higher or lower.
- County tax depends on where you lived on January 1. If you moved during the year, your employer may withhold the old county's rate until the next year.
- Indiana deductions such as the renter's deduction (up to $3,000) and credits such as the earned income credit are claimed on your return. You can enter deductions under Indiana Deductions.
- Social Security stops once your wages pass $184,500, so late-year paychecks of high earners are larger.
How to increase your take-home pay in Indiana
- Check your federal withholding with the IRS Tax Withholding Estimator and update your W-4 and Indiana WH-4 after a raise, a new job, a move to another county or a change in your family.
- Use pre-tax benefits such as a 401(k), HSA, FSA and commuter benefits. Each dollar saves federal, state and county tax.
- Indiana gives a 20% credit for contributions to an Indiana529 plan, up to $1,500 a year. It is claimed when you file.
How this calculator works
The calculator estimates your full-year tax and divides it by your pay periods. It uses the 2026 federal brackets and standard deduction (Rev. Proc. 2025-32, including the 2025 tax law changes), the Indiana rate (3.0% for 2025, 2.95% for 2026), Indiana exemptions, the 2026 tips and overtime deductions, the county rates in effect from October 1, 2026 and the 2026 Social Security wage base. For joint filers, enter combined household wages. Results are estimates, not tax advice.
Last reviewed: October 28, 2026.
Indiana Paycheck Calculator FAQs
How much is $100,000 after taxes in Indiana?
A single filer earning $100,000 in Indianapolis (Marion County) takes home about $74,260 a year in 2026, or $6,188 a month. That is after $13,170 federal income tax, $2,921 Indiana income tax, $2,000 county tax and $7,650 Social Security and Medicare.
What percentage of my paycheck goes to taxes in Indiana?
For a single filer in Marion County in 2026, total taxes take about 20.2% of a $50,000 salary, 22.8% of $75,000, 25.7% of $100,000 and 29.1% of $150,000. That includes federal, Indiana and county income tax, Social Security and Medicare.
What is the Indiana state income tax rate?
Indiana's flat income tax rate is 2.95% for 2026, down from 3.0% in 2025. On top of that, every county charges its own income tax of 0.5% to 3%.
How much is $60,000 after taxes in Indiana?
A single filer earning $60,000 in Marion County takes home about $47,458 a year in 2026, or $3,955 a month, after $5,020 federal tax, $1,741 Indiana tax, $1,192 county tax and $4,590 Social Security and Medicare.
How does Indiana county income tax work?
Every Indiana county charges an income tax on the same taxable income as the state tax. You pay the rate of the county where you lived on January 1; nonresidents pay the rate of the county where they mainly work. Rates range from 0.5% in Porter County to 3% in Randolph County, and Marion County (Indianapolis) is 2.02%.
Does Indiana tax tips and overtime?
For 2026 only, Indiana lets you deduct the same qualified tips (up to $25,000) and overtime premium (up to $12,500, or $25,000 joint) as the federal law, from both state and county tax. For 2025, tips and overtime were fully taxed by Indiana.
Is an Indiana salary calculator the same as a paycheck calculator?
For Indiana take-home pay, yes. Both estimate how much of your pay you keep after taxes and deductions. This calculator works for salaried and hourly workers and shows results per paycheck and per year.
What is the minimum wage in Indiana in 2026?
Indiana's minimum wage is $7.25 an hour, the same as the federal minimum, or $15,080 a year for full-time work. Tipped employees can be paid $2.13 an hour in cash wages if tips make up the rest.
How is overtime paid in Indiana?
Indiana follows federal law: most hourly workers get 1.5 times their regular rate for hours over 40 in a workweek. For 2026 the extra half-time pay is deductible on federal, Indiana and county returns.
More paycheck and tax calculators
- Illinois Paycheck Calculator: take-home pay with a flat state income tax
- Michigan Paycheck Calculator: take-home pay with state and city income tax
- Ohio Paycheck Calculator: take-home pay with state, city and school district tax
- Tennessee Paycheck Calculator: take-home pay with no state income tax
- Overtime Calculator: time and a half pay
- Bonus Tax Calculator: how much of a bonus you keep
- Federal Tax Withholding Calculator: check your W-4