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Indiana Paycheck Calculator (2026)

Estimate your Indiana take-home pay after federal tax, FICA, and Indiana's flat state income tax. Every Indiana county also charges its own mandatory income tax, not included here.

How this calculator works

Like our other paycheck calculators, this estimates federal tax and FICA the same way regardless of state. On top of that, it applies Indiana’s flat 2.95% state income tax to your wages after subtracting a flat $1,000 personal exemption ($2,000 for joint filers). Indiana’s tax base follows federal adjusted gross income, so 401(k) contributions reduce it the same way they reduce your federal taxable wages.

This calculator does not include Indiana county income tax, and that is a bigger gap than it might sound. Every one of Indiana’s 92 counties charges its own mandatory income tax on its residents, with no county exempt. There is no statewide “average” county rate that would give a fair estimate, because 2026 rates run from 0.50% up to 3.38% depending purely on where you live, and several counties change their rate every year. Your real Indiana take-home pay will always be lower than this calculator’s figure by your own county’s rate. See the FAQ below for exactly where to look that rate up.

The formula

(federal tax, FICA, and net-pay assembly are identical to the Texas calculator)

inTaxableWages = wagesAfterPretax − inExemption   (reduced by 401(k), like Ohio/Illinois/California)
inExemption    = $1,000 x (1 for single, 2 for joint)

stateTax = max(0, inTaxableWages) x 2.95%

(Indiana county income tax is NOT included in stateTax -- see "How this calculator works" above)

Worked example

A single filer earning $60,000/year, paid biweekly, with no 401(k) or extra deductions:

  • FICA: $4,590.00/year (same as any state)
  • Federal tax: $5,020.00/year (same as any state)
  • Indiana taxable wages: $60,000 − $1,000 personal exemption = $59,000
  • Indiana state income tax: $59,000 x 2.95% = $1,740.50/year
  • Net pay: $60,000 − $4,590.00 − $5,020.00 − $1,740.50 = $48,649.50/year, or $1,871.13 per biweekly paycheck, before any Indiana county income tax

That last line matters: if this filer lived in Hamilton County (1.1% for 2026), they would owe roughly another $649/year; in Marion County (2.02%), roughly another $1,192/year; in Pulaski County, the state’s highest at 3.38%, roughly another $1,994/year. Same salary, same state rate, meaningfully different take-home pay, purely based on county of residence.

We cross-checked the state-only tax figure against SmartAsset’s Indiana Paycheck Calculator for the same salary, filing status, and frequency (ZIP 46001, accessed 2026-08-23). Unlike SmartAsset’s Pennsylvania and Ohio calculators, which fold local tax into a single combined figure with no way to separate it out, SmartAsset’s Indiana tool itemizes “State Income” separately from “Local Income.” It showed state income tax of $68 per biweekly paycheck, versus our $66.94, a gap of about $1.06 (roughly 1.6%) consistent with the difference between our annual-liability model and SmartAsset’s per-paycheck withholding-table estimate. Its “State Income 2.95%” figure also independently confirms the flat rate this calculator uses.

Frequently asked questions (FAQ)

Does this calculator include my county income tax?

No, and this matters more in Indiana than almost anywhere else. All 92 Indiana counties levy their own mandatory income tax on residents, with no exceptions, so unlike some other states, every single Indiana taxpayer owes some county rate on top of the state tax shown here. Look up your exact rate using the sources linked below before treating this estimate as final.

What county income tax rate do I actually owe, and where do I look it up?

Your rate is set by your county of residence as of January 1 of the tax year, not where you work. For 2026, rates range from 0.50% in Vermillion County to 3.38% in Pulaski County, and several counties change their rate every year. Look up your current rate in the Indiana Department of Revenue's Departmental Notice #1 or its county tax rates by year page, both linked in Sources below.

What is Indiana's 2026 state income tax rate?

A flat 2.95% on Indiana adjusted gross income, the same rate for every filer regardless of income or filing status. This continues a multi-year, legislatively scheduled phase-down: 3.00% in 2025, 2.95% in 2026, and 2.90% in 2027. Unlike federal tax, Indiana has no brackets, so the same rate applies to your entire taxable income.

Does Indiana have a standard deduction or personal exemption?

Indiana has no standard deduction. Instead it grants a flat $1,000 personal exemption for the filer, plus another flat $1,000 for a spouse on a joint return, before applying the 2.95% rate. Indiana also has separate, larger exemptions for dependent children that this calculator does not model, matching how our other paycheck calculators handle dependents.

Does contributing to a 401(k) lower my Indiana state tax the way it lowers my federal tax?

Yes. Indiana adjusted gross income starts from your federal adjusted gross income, which is already reduced by 401(k) elective deferrals, so contributing to a 401(k) lowers your Indiana taxable wages the same way it lowers your federal taxable wages. This is the opposite of Pennsylvania, which taxes 401(k) contributions when you make them.

Does Indiana have a state disability insurance (SDI) tax or an employee-paid unemployment tax on my paycheck?

No. Indiana's unemployment insurance tax is funded entirely by employers and is never withheld from an employee's paycheck. Indiana also does not operate a State Disability Insurance program, unlike California, Hawaii, New Jersey, New York, Rhode Island, and Washington. State income tax is the only state-level tax line this calculator applies beyond federal tax and FICA.

Sources