Paycheck Calculator Indiana
Indiana's state tax is easy: a flat 2.95% in 2026 after a $1,000 exemption. The twist is that every one of Indiana's 92 counties adds its own income tax on top — and that part is not in this calculator. On a $75,000 salary, a single filer takes home about $59,410 a year before the county takes its cut. Enter your salary below and see the split.
Indiana's 2026 tax structure
Indiana has been cutting its flat rate on a schedule written into law: 3.05% in 2024, 3.00% in 2025, 2.95% for 2026 and 2.90% planned for 2027. There is no standard deduction; instead each filer gets a $1,000 personal exemption ($2,000 on a joint return), which the calculator applies before the rate. Everything after that happens at the county level.
| Component | 2026 figure |
|---|---|
| State rate on wages | 2.95% flat (2.90% scheduled for 2027) |
| Personal exemption | $1,000 single / $2,000 joint |
| County income tax | All 92 counties, roughly 0.5% to over 3% — not in this calculator |
| Example: Marion County (Indianapolis) | 2.02% resident rate |
Take-home pay at common Indiana salaries
Single filer, no 401(k) or health premiums, 2026 figures — state tax only. Your county tax comes out on top of these numbers:
| Salary | Federal tax | FICA | IN state tax | Take-home |
|---|---|---|---|---|
| $50,000 | $3,820 | $3,825 | $1,446 | $40,910 |
| $75,000 | $7,670 | $5,738 | $2,183 | $59,410 |
| $100,000 | $13,170 | $7,650 | $2,921 | $76,260 |
| $150,000 | $24,734 | $11,475 | $4,396 | $109,396 |
What makes an Indiana paycheck different
The county tax is the whole story. Indiana is one of the few states where local income tax is universal: all 92 counties levy one, running from about 0.5% in Porter County to 3% in Randolph County, with Marion County (Indianapolis) at 2.02%. For an Indianapolis worker on $75,000, the county takes roughly another $1,500 a year — nearly as much as the state itself takes at 2.95%. Two Hoosiers with identical salaries and identical jobs can take home meaningfully different pay purely because of their home county.
Which county? The one you lived in on January 1. Indiana keys county tax to your county of residence on New Year's Day (your county of employment if you are a nonresident), and it stays fixed for the whole year even if you move in June. Remote workers who cross the state line get a second rulebook: residents of Illinois, Kentucky, Michigan, Ohio, Pennsylvania and Wisconsin have reciprocity for wages, so their home state taxes them instead.
The state's own piece keeps shrinking. The rate cuts are baked into statute through 2027, each step worth roughly $37 a year on a $75,000 salary — small per year, but the direction has been one-way for a decade, from 3.4% down toward 2.9%. Indiana also starts from federal adjusted gross income with very few adjustments, so the state calculation is one of the least surprising in the country once the county rate is known.
Mistakes Indiana workers make
- Quoting only the 2.95%. Any Indiana take-home estimate that ignores the county tax is wrong by 0.5 to 3 points. If a relocation offer compares "Indiana 2.95%" against another state's full stack, it is comparing half a tax.
- Moving counties mid-year and expecting the tax to follow. It does not. Your January 1 county owns your whole year, so a December move changes next year's stub, not this one.
- Assuming a raise's value is state-wide. A $5,000 raise in Indianapolis nets less than the same raise in Porter County, every year, because the county percentages differ. Negotiate on take-home, not on gross.
An example you can check
Take a $75,000 salary, single filer, no 401(k). Federal tax comes to $7,670. Social Security takes $4,650 and Medicare $1,088. Indiana state tax is 2.95% of ($75,000 − $1,000) = $2,183. Take-home: $59,410 a year, $2,284.98 every two weeks — then your county takes its share; in Marion County that is about another $1,495 over the year.
File jointly on a $95,000 household salary: federal tax $7,040, FICA $7,268, state tax $2,744, take-home $77,949, or $2,998.04 per check, before county tax. Now add a 6% 401(k) and $3,000 of health premiums to the single $75,000 case. Federal tax falls to $6,020, state tax to $1,962, and you keep $54,010 while banking $4,500 for retirement. Watch what barely moved: FICA. Your 401(k) dodges income tax, never payroll tax.
Frequently asked questions
What is Indiana's income tax rate in 2026?
How much state tax does Indiana take on $100,000?
Why is there a county tax on my Indiana paycheck?
I moved counties in July. Which county tax do I pay?
Does Indiana tax my 401(k) contributions?
More paycheck calculators
Or use the national paycheck calculator to switch between states, or browse all twenty states from the paycheck hub.
Sources & methodology
The 2026 federal and Indiana figures in this calculator come from official tax sources — the Indiana Department of Revenue's published rate schedule and its county tax information — and are documented on our methodology page. The county line on your stub is decoded in how to read your pay stub; see also what is taken from your gross pay.