Last updated: September 2026

Indiana Paycheck Calculator

A single filer earning $75,000 in Indiana keeps about $59,410 a year after federal tax, FICA, and $2,183 in state income tax. County income tax comes out of the same paycheck: in Marion County (Indianapolis) about $1,495 a year, which brings take-home to $57,915, or $2,227 every two weeks.

Indiana tax data current for 2025 & 2026 · 2027 available as a projection · Updated for the One Big Beautiful Bill Act

Take-Home Pay —

Estimate Your Take-Home Pay

Tax Year

State

Filing Status

Pay Frequency

Pay Type

Gross Pay (per paycheck)

Pre-Tax Deductions (optional)

401(k) / 403(b) Contribution

Reduces taxable income. Does not reduce Social Security or Medicare.

Health / Dental / Vision Premium

Section 125 plan — reduces income tax and FICA.

FSA / HSA Contribution

Reduces income tax and FICA.

Additional Federal Withholding (optional)

From Step 4(c) of your W-4.

Results update automatically as you type.

Estimated Take-Home Pay

—

per paycheck

Item	Per Check	Annual
Gross Pay	—	—
↳ 401(k) Contribution	—	—
↳ Health Insurance	—	—
↳ FSA / HSA	—	—
Federal Income Tax	—	—
Social Security (6.2%)	—	—
Medicare (1.45%)	—	—
↳ Additional Medicare (0.9%)	—	—
State Income Tax	—	—
City Income Tax	—	—
Local Services Tax	—	—
State SDI / PFML	—	—
Extra Withholding	—	—
Take-Home Pay	—	—

Effective Tax Rate

—

all taxes combined

Total Deductions

—

per paycheck

Estimates federal, state, and select city taxes. Actual withholding may vary.

Indiana Salary After Taxes at Common Pay Levels (2026)

Salary after taxes for a single filer in Indiana: this table estimates take-home pay after federal income tax, FICA (Social Security 6.2% and Medicare 1.45%), and Indiana state income tax. Based on the 2026 IRS tax tables and the Indiana state 2026 tax schedule. Local income taxes are not included in these figures. The calculator above includes local income tax for a paycheck-level breakdown.

Annual Salary	Federal Tax	FICA	IN Tax	Take-Home	Effective Rate
$40,000	$2,620	$3,060	$1,151	$33,170	17.1%
$60,000	$5,020	$4,590	$1,741	$48,650	18.9%
$80,000	$8,770	$6,120	$2,331	$62,780	21.5%
$100,000	$13,170	$7,650	$2,921	$76,260	23.7%
$150,000	$24,734	$11,475	$4,396	$109,396	27.1%
$200,000	$36,734	$14,339	$5,871	$143,057	28.5%

Single filer, no pre-tax deductions. Assumes year-round wages; standard deduction applied. The federal brackets, standard deduction and Social Security wage base behind these figures are on the 2026 tax figures page.

Indiana Take-Home Pay by Pay Frequency (2026)

The same Indiana take-home figures divided across common pay schedules — what actually lands in your account each payday, after federal tax, FICA, and Indiana state income tax.

Annual Salary	Weekly52/yr	Biweekly26/yr	Semi-Monthly24/yr	Monthly12/yr
$40,000	$638	$1,276	$1,382	$2,764
$60,000	$936	$1,871	$2,027	$4,054
$80,000	$1,207	$2,415	$2,616	$5,232
$100,000	$1,467	$2,933	$3,177	$6,355
$150,000	$2,104	$4,208	$4,558	$9,116
$200,000	$2,751	$5,502	$5,961	$11,921

Biweekly and semi-monthly are not the same thing. Biweekly means every other Friday — 26 paychecks a year, so two months each year contain three paydays. Semi-monthly means twice a month (often the 15th and the last day) — 24 slightly larger paychecks. On a $40,000 salary in Indiana, that difference is about $106 per check. Annual take-home is identical either way.

Single filer, no pre-tax deductions. Divides annual take-home evenly; real paychecks vary slightly with withholding rounding and benefit deductions.

What's different about a Indiana paycheck

County tax comes out of every check

Employers withhold county income tax along with state tax, at the rate of the county you lived in on January 1. If you lived out of state on January 1, they use the county where you mainly worked. Rates for 2026 run from 0.5% (Porter County) to 3% (Randolph County), and 2.02% in Marion County. The calculator above starts on Marion County; pick yours from the County list to apply its rate.

Take-home on $75,000, county by county

After federal tax, FICA, state tax, and county tax, a single filer earning $75,000 keeps about: $57,915 in Marion (Indianapolis) at 2.02%; $58,233 in Allen (Fort Wayne) at 1.59%; $58,300 in Lake (Gary, Hammond) at 1.5%; $58,596 in Hamilton (Carmel, Fishers) at 1.1%; $58,115 in St. Joseph (South Bend) at 1.75%; $59,040 in Porter (Valparaiso) at 0.5%. The spread between the highest and lowest of these is about $1,125 a year.

One WH-4 sets both

Form WH-4 tells your employer your exemptions and your county. Exemptions reduce the pay that both state and county tax are figured on: $1,000 a year for each personal exemption, $38.46 per biweekly check, and $1,500 for each dependent exemption, $57.69 per biweekly check. Fill in a new WH-4 when your county changes, since the new rate starts with the next year.

Bonuses are withheld without exemptions

For a bonus or other one-time payment, Indiana withholding is figured without your exemptions: 2.95% state tax plus your county rate on the whole amount. With the federal 22%, Social Security, and Medicare, a $10,000 bonus in Marion County arrives as about $6,538.

Short stints in Indiana

An employer doesn't have to withhold Indiana state or county tax from a nonresident who is expected to work in Indiana 30 days or fewer in the year, if it tracks work locations or the employee files Form WH-4AFF. Once the employee passes 30 days, withholding applies, including catch-up for the first 30. Days worked for earlier employers that year count toward the limit.

Minimum wage

Indiana's minimum wage is $7.25 an hour, the same as the federal rate, for employers with two or more employees. Full-time that is about $15,080 a year.

For the annual picture, including capital gains, credits, and filing deadlines, see the Indiana income tax calculator.

Indiana Income Tax Brackets (2026)

Indiana has a flat income tax of 2.95% for 2026. Both single and joint filers pay the same rate on all taxable income.

Personal exemption

$1,000 single · $2,000 joint

2026 update:Effective 1/1/2026. The 2025 rate was 3.0%; Indiana's flat rate is scheduled to continue declining toward 2.9% in coming years.

Taxable income equals gross wages minus pre-tax deductions and the personal exemption.

Methodology & Sources

Tax year: 2025, 2026 & 2027 (projected)· Last reviewed: September 2026

Estimates Indiana take-home pay using IRS percentage-method federal withholding, FICA, Indiana state income tax, optional local income tax, and pre-tax deductions.

▸ Formulas used

Federal income tax: progressive marginal brackets applied to gross pay minus the standard deduction, prorated to the selected pay period.
Social Security: 6.2% on wages up to the annual wage base ($176,100 in 2025; $184,500 in 2026; $192,300 in 2027).
Medicare: 1.45% on all wages plus an additional 0.9% on wages above $200,000.
Indiana state income tax: flat 2.95% rate applied to gross pay minus the personal exemption.
Every Indiana county levies a local income tax, from 0.5% (Porter County) to 3.0% (Randolph County) for 2026, charged at the rate of the county you lived in on January 1. Marion County (Indianapolis) is 2.02%.

▸ Assumptions & limitations

Withholding is estimated using IRS Publication 15-T methodology, not employer payroll software — actual paychecks may differ by a few dollars.
No tax credits (Child Tax Credit, EITC, education credits, etc.) are applied — these reduce the final tax bill, not paycheck withholding.
Applies the personal exemption; Indiana-specific credits are not modeled.
Assumes a single job; multi-job households should use the IRS Tax Withholding Estimator for an aggregate view.

▸ Primary sources

▸ What changed this year

2026: Indiana: flat rate cut from 3% to 2.95%.
2026: Indiana county income tax rates changed in 6 counties for 2026: Carroll 2.2733% to 2.4733%; Grant 2.55% to 2.75%; Greene 2.15% to 2.35%; Howard 1.95% to 2.35%; Shelby 1.6% to 1.7%; Union 2% to 2.75%. All other counties are unchanged.
2026: Federal: standard deduction $16,100 single and $32,200 joint (from $15,750 and $31,500); brackets adjusted for inflation; Social Security wage base $184,500 (from $176,100).

Results are estimates based on the values you enter and may differ from employer payroll systems, tax forms, or official filings. This calculator does not provide tax, legal, payroll, or financial advice.

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Top Cities in Indiana

The largest cities in Indiana, where local taxes may apply on top of state withholding, by U.S. Census Bureau estimate for July 1, 2025:

Indianapolis — 901,116 residents
Fort Wayne — 275,203 residents
Evansville — 116,176 residents
Carmel — 105,634 residents

How Indiana Compares to Neighboring States

Single-filer take-home on a $75,000 annual salary in 2026, federal + state income tax + FICA only:

State	Take-Home	vs. Indiana
Indiana (here)	$59,410	—
Illinois	$58,025	-$1,385
Kentucky	$59,085	-$324
Ohio	$60,306	+$896
Michigan	$58,656	-$754

Take-home reflects single filer, no pre-tax deductions; SDI/PFML and local taxes excluded for an apples-to-apples comparison.

Frequently Asked Questions

What is the Indiana state income tax rate?

Indiana has a flat income tax rate of 2.95% for 2026. Whether you earn $40,000 or $200,000, your state tax rate is the same — applied to taxable income after the personal exemption.

How much is taken out of my paycheck in Indiana?

For a single filer earning $75,000 in Indiana (2026), expect roughly $7,670 in federal income tax, $5,738 in FICA, and $2,183 in Indiana state income tax — leaving about $59,410 take-home (20.8% effective tax rate). On top of that, expect any local income tax where you live or work.

Why is county tax taken out of my Indiana paycheck?

Every Indiana county levies an income tax, and employers withhold it based on your county of residence on January 1. Rates range from 0.5% to 3% for 2026. The calculator on this page includes every county.