Indiana Paycheck Calculator 2026
Enter your pay, your WH-4 exemptions and your county rate to see what lands in your bank account. Indiana takes a flat 2.95%, and your county adds its own income tax - we show both.
How much does Indiana take out for taxes? On a $60,000 salary paid every two weeks (single, standard W-4), Indiana takes $66.94 of each $2,307.69 paycheck - 2.9% of pay, including County income tax. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $436.56 comes out in all - 18.9% - and you keep $1,871.13.
= $935.57 a week · $4,054.13 a month · $48,649.56 a year
Gross pay$2,307.69$60,000.00
Your pay before anything is taken out: yearly pay divided by the 26 paychecks in a year (hourly pay is a week's pay × 52, spread the same way).
Federal income tax · withheld−$193.08−$5,020.00
Worked out from your pay and your Form W-4 with the IRS percentage method (Worksheet 1A): yearly pay, minus the allowance for your filing status, into the 2026 annual table, minus W-4 credits, divided by paychecks. Each line, for this paycheck:
| Pay subject to income tax, for the year · $2,307.69 × 26 paychecks | $60,000.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $51,400.00 |
| Tax from the IRS yearly table · standard table | $5,020.00 |
| Federal income tax per paycheck · divided by 26 | $193.08 |
IRS Publication 15-T (2026), Worksheet 1A - the percentage method payroll software uses for a Form W-4 from 2020 or later. Your employer's figure can differ by a few cents because of rounding.
Adjusted yearly wage: $51,400.00, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $7,500 | $0.00 | 0% |
| $7,500 | $19,900 | $0.00 | 10% |
| $19,900 | $57,900 | $1,240.00 | 12% Your row |
| $57,900 | $113,200 | $5,800.00 | 22% |
| $113,200 | $209,275 | $17,966.00 | 24% |
| $209,275 | $263,725 | $41,024.00 | 32% |
| $263,725 | $648,100 | $58,448.00 | 35% |
| $648,100 | - | $192,979.25 | 37% |
$1,240.00 + 12% × ($51,400.00 − $19,900.00) = $5,020.00
Source: IRS Publication 15-T (2026) · checked Sep 21, 2026
Social Security (6.2%)−$143.08−$3,720.00
6.2% of your pay (after pre-tax benefits, not after 401(k)) up to $184,500 of pay in 2026. Once your pay for the year passes that, it stops until January. Stubs often call it OASDI or FICA.
Source: Social Security Administration - 2026 wage base · checked Sep 21, 2026
Medicare (1.45%)−$33.46−$870.00
1.45% of all your pay, with no yearly limit, plus 0.9% Additional Medicare on pay above $200,000 in the year.
Source: IRS Publication 15 (2026) · checked Sep 21, 2026
Indiana income tax · withheld−$66.94−$1,740.44
2.95% plus county tax. Worked out with Indiana's official 2026 withholding method, step by step:
| Pay subject to Indiana tax this paycheck · after pre-tax 401(k) and benefits, like federal | $2,307.69 |
| Minus personal exemptions · 1 × $1,000 ÷ 26 | −$38.46 |
| Indiana taxable income · county tax uses this amount too | $2,269.23 |
| Indiana state income tax this paycheck · × 2.95% (Departmental Notice #1) | $66.94 |
Source: Indiana DOR - Departmental Notice #1 (county and state withholding) · checked Sep 29, 2026
County income tax · enter your county rate above$0.00$0.00
County income tax: an employee-paid Indiana payroll program, taken as a share of your pay (enter your county rate above).
Source: Indiana DOR - Departmental Notice #1 (county and state withholding) · checked Sep 29, 2026
Built by Ashish Hirpara · figures from IRS and state publications · sources · corrections
What comes out of an Indiana paycheck
- Federal income tax withholding - worked out from your pay and your Form W-4, using the IRS tables for 2026.
- Social Security - 6.2% of your pay, up to $184,500 of pay in 2026. Above that, it stops for the rest of the year.
- Medicare - 1.45% of all your pay, plus 0.9% on pay above $200,000 in the year.
An Indiana paycheck usually has two state and local lines:
- Indiana state income tax: 2.95% of your taxable income. Taxable income is your pay after pre-tax 401(k) and health benefits, minus a set amount for each exemption you claim on Form WH-4.
- County income tax - a rate set by your county, charged on the same taxable income. Enter your county's rate above.
There is no employee deduction for unemployment insurance: only employers pay into Indiana's unemployment insurance system.
What's different about Indiana
How the state tax is worked out
Your employer follows the Department of Revenue's Departmental Notice #1. Each exemption on your WH-4 is worth a yearly amount: $1,000 for each personal exemption, $1,500 for each additional dependent exemption, and $3,000 for each adopted child exemption. Your employer divides those amounts by the number of paychecks in a year, subtracts the total from your pay, and multiplies what is left by 2.95%. Open the "Indiana income tax" line in the result to see each step.
Form WH-4
The WH-4 is Indiana's version of the W-4. You claim one exemption for yourself, one for a spouse who doesn't claim their own, one for each dependent, and one more for each of you who is 65 or older or blind. Lines 6 to 8 add the larger exemptions for qualifying dependent children and adopted children. The form also asks for your county of residence and county of work on January 1, and lets you ask for extra state or county tax to be taken out.
County income tax: enter your rate
Every Indiana county sets its own income tax rate, and the Department of Revenue lists them all in Departmental Notice #1. The county that counts is the one you lived in on January 1. If you lived outside Indiana on January 1 but your main place of work was in an Indiana county, that county's rate applies. The county tax uses the same taxable income as the state tax, after your exemptions.
Paydays and your last paycheck
Indiana employers must pay at least twice a month, or every two weeks if you ask. Each payday must cover wages earned up to no more than 10 business days before it. If you quit, or your employer lets you go, your final wages are due on the next regular payday. If you are owed wages, you can file a wage claim with the Indiana Department of Labor online.
Indiana salary after tax
Each answer is worked out by the same calculator as above, for a single filer paid every two weeks with a standard W-4 and no 401(k) or benefits. Jump to: $35,000 · $45,000 · $55,000 · $60,000 · $65,000 · $75,000 · $80,000 · $90,000 · $100,000 · $120,000 · $150,000
How much is $35,000 a year after tax in Indiana?
About $29,299 a year - $1,126.90 every two weeks, or about $2,442 a month. That's after $2,020 of federal income tax, $2,678 of Social Security and Medicare and $1,003 in Indiana taxes; you keep 84%. Try $35,000 with your own W-4 and deductions.
How much is $45,000 a year after tax in Indiana?
About $37,040 a year - $1,424.59 every two weeks, or about $3,087 a month. That's after $3,220 of federal income tax, $3,443 of Social Security and Medicare and $1,298 in Indiana taxes; you keep 82%. Try $45,000 with your own W-4 and deductions.
How much is $55,000 a year after tax in Indiana?
About $44,779 a year - $1,722.29 every two weeks, or about $3,732 a month. That's after $4,420 of federal income tax, $4,208 of Social Security and Medicare and $1,593 in Indiana taxes; you keep 81%. Try $55,000 with your own W-4 and deductions.
How much is $60,000 a year after tax in Indiana?
About $48,650 a year - $1,871.13 every two weeks, or about $4,054 a month. That's after $5,020 of federal income tax, $4,590 of Social Security and Medicare and $1,740 in Indiana taxes; you keep 81%. Try $60,000 with your own W-4 and deductions.
How much is $65,000 a year after tax in Indiana?
About $52,519 a year - $2,019.98 every two weeks, or about $4,377 a month. That's after $5,620 of federal income tax, $4,973 of Social Security and Medicare and $1,888 in Indiana taxes; you keep 81%. Try $65,000 with your own W-4 and deductions.
How much is $75,000 a year after tax in Indiana?
About $59,410 a year - $2,284.98 every two weeks, or about $4,951 a month. That's after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $2,183 in Indiana taxes; you keep 79%. Try $75,000 with your own W-4 and deductions.
How much is $80,000 a year after tax in Indiana?
About $62,780 a year - $2,414.59 every two weeks, or about $5,232 a month. That's after $8,770 of federal income tax, $6,120 of Social Security and Medicare and $2,330 in Indiana taxes; you keep 78%. Try $80,000 with your own W-4 and deductions.
How much is $90,000 a year after tax in Indiana?
About $69,520 a year - $2,673.83 every two weeks, or about $5,793 a month. That's after $10,970 of federal income tax, $6,885 of Social Security and Medicare and $2,625 in Indiana taxes; you keep 77%. Try $90,000 with your own W-4 and deductions.
How much is $100,000 a year after tax in Indiana?
About $76,259 a year - $2,933.05 every two weeks, or about $6,355 a month. That's after $13,170 of federal income tax, $7,650 of Social Security and Medicare and $2,921 in Indiana taxes; you keep 76%. Try $100,000 with your own W-4 and deductions.
How much is $120,000 a year after tax in Indiana?
About $89,739 a year - $3,451.52 every two weeks, or about $7,478 a month. That's after $17,570 of federal income tax, $9,180 of Social Security and Medicare and $3,511 in Indiana taxes; you keep 75%. Try $120,000 with your own W-4 and deductions.
How much is $150,000 a year after tax in Indiana?
About $109,395 a year - $4,207.52 every two weeks, or about $9,116 a month. That's after $24,734 of federal income tax, $11,475 of Social Security and Medicare and $4,396 in Indiana taxes; you keep 73%. Try $150,000 with your own W-4 and deductions.
Indiana vs neighboring states
Take-home pay on a $60,000 salary, single filer paid every two weeks with a standard W-4. "State taxes" counts state and local income tax withheld (with each calculator's default choices) plus any employee-paid state payroll premium; federal tax, Social Security and Medicare are the same everywhere.
| State | State taxes | Take-home | vs here |
|---|---|---|---|
| Ohio | $1,413 | $48,977 | +$328 |
| Indiana | $1,740 | $48,650 | - |
| Kentucky | $1,983 | $48,408 | −$242 |
| Michigan | $2,299 | $48,091 | −$559 |
| Illinois | $2,825 | $47,565 | −$1,085 |
Local income taxes (city, county or school district) aren't included for Indiana, Michigan, Ohio and Kentucky - enter your rate on the state's calculator.
Where you live and where you work can both matter when the two states differ - check each state's page.
What changed for 2026
Indiana's state income tax rate went down for 2026.
- New federal withholding tables. The IRS updated Publication 15-T for 2026, including changes from the 2025 tax law. The standard deduction is $16,100 single, $32,200 married filing jointly, and $24,150 head of household.
- Social Security wage base: $184,500 (up from $176,100). If you earn more, Social Security stops later in the year.
- Tips and overtime deductions for 2025–2028 - see below.
- State income tax: 2.95%, down from 3%. The law sets it at 2.9% from 2027.
- Exemptions: $1,000 personal, $1,500 additional dependent, $3,000 adopted child.
- County rates are listed in Departmental Notice #1, effective January 1, 2026. The October 1 edition changed one: Boone County, 1.71% from October 1.
- Minimum wage: still $7.25.
Why your paycheck might differ from this
- Your W-4. Credits for children (Step 3), a checked Step 2 box, or extra withholding (Step 4c) change the federal amount a lot. Open "Tips, 401(k), health insurance and W-4 details" above to enter them.
- Benefits taken before tax. Health insurance through work usually lowers income tax and Social Security and Medicare. A traditional 401(k) lowers income tax only.
- Rounding. Payroll software may round each step, so a few cents of difference is normal.
Tips and overtime in 2026
New federal deductions apply for 2025 through 2028: up to $25,000 for qualified tips, and up to $12,500 ($25,000 for joint filers) for the extra "half" of time-and-a-half overtime. Both phase out above $150,000 of income ($300,000 joint).
These are deductions on your tax return. Your employer still takes Social Security and Medicare out of tips and overtime, and still withholds income tax unless you tell it otherwise. If you expect to claim them, you can put the expected amount in Step 4(b) of your W-4 (and in the Step 4(b) box above) so less income tax is withheld during the year.
More for Indiana
Paycheck calculator · Hourly · Salary · Bonus tax · Rent you can afford · Employer payroll taxes
Other tools: What changed for 2026 · Hourly to salary · Salary to hourly · Overtime · Raise · Net to gross · Compare two states · All state tax rates · How Indiana ranks on $75,000 · Pay stub checker · W-4 guide
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Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods - Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide - Social Security and Medicare rates
- Social Security Administration - 2026 wage base of $184,500
- IRS - tips and overtime deductions
- Indiana DOR - Departmental Notice #1 (county and state withholding) - one-time or non-periodic payments such as a bonus: withhold state and county tax without exemptions (read Sep 27, 2026)
- Indiana Department of Revenue - Departmental Notice #1, Withholding (R47 / 10-26, effective Oct. 1, 2026) - 2.95% state rate; $1,000 / $1,500 / $3,000 exemption constants; county rates, Boone 0.0171* (the only rate changed since the January 1, 2026 edition); worked example (read Sep 29, 2026)
- Indiana Department of Revenue - Form WH-4, Employee's Withholding Exemption and County Status Certificate - personal, dependent, age 65/blind, additional dependent and adopted child exemptions; county of residence and work on January 1
- Indiana Code 6-3-2-1 - Individual income tax rate - 3% for 2025, 2.95% for 2026, 2.9% from 2027
- Indiana Code 6-3-1-3.5 - Adjusted gross income - starts from federal adjusted gross income
- Indiana Department of Workforce Development - Unemployment for employers FAQ - only employers pay into the unemployment insurance system
- Indiana Department of Labor - Indiana minimum wage poster - $7.25 since July 24, 2009; $2.13 tipped cash wage; overtime after 40 hours
- Indiana Code 22-2-5-1 - Frequency of wage payments - at least semimonthly, or biweekly if requested; wages to within 10 business days; quitting employees paid on the next regular payday
- Indiana Code 22-2-9-2 - Wages of separated employees - due at the regular payday for the pay period of separation
- Indiana Department of Labor - Online wage claim form
Questions
How much does Indiana take out for taxes?
On a $60,000 salary paid every two weeks (single, standard W-4), Indiana takes $66.94 of each $2,307.69 paycheck - 2.9% of pay, including County income tax. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $436.56 comes out in all - 18.9% - and you keep $1,871.13.
How much Indiana tax comes out of my paycheck?
2.95% of your pay after pre-tax 401(k), health benefits and your WH-4 exemptions, plus your county's rate on the same amount.
How much is taken out of a $1,000 paycheck in Indiana?
For a single filer paid every two weeks with nothing else on the W-4, a $1,000 paycheck has about $38.08 of federal income tax, $62.00 of Social Security and $14.50 of Medicare taken out, $28.37 of Indiana income tax, leaving $857.05. Enter your own details in the calculator for your exact figure.
Does my 401(k) lower my Indiana tax?
Yes. Indiana income starts from federal adjusted gross income, so pre-tax 401(k) money and section 125 health premiums are left out, as they are for federal income tax.
Which county rate applies to me?
The rate for the county you lived in on January 1. If you lived out of state on January 1 but mainly worked in an Indiana county, that county's rate applies.
Is unemployment insurance taken out of Indiana paychecks?
No. Only employers pay into Indiana's unemployment insurance system.