Indiana Paycheck Calculator
Your estimated take-home pay in Indiana for 2026 — federal tax plus Indiana withholding figured with the Department of Revenue's Departmental Notice #1: a flat 2.95% state tax plus your county's income tax, both on pay after your WH-4 exemptions. Every one of Indiana's 92 counties levies a county tax — pick yours below.
Advanced — W-4 adjustments (optional)
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| Gross pay | — |
| Pre-tax deductions | — |
| Federal income tax | — |
| Social Security (6.2%) | — |
| Medicare (1.45%) | — |
| Indiana state tax (2.95%) | — |
| Indiana county tax (Marion — 2.02%) | — |
| Take-home pay | — |
Method & sources: Federal withholding: IRS Publication 15-T (2026) percentage method · FICA rates: IRS Topic No. 751 · Social Security wage base $184,500 (SSA). Indiana: Departmental Notice #1 (R47 / 10-26, effective Oct. 1, 2026) — flat 2.95% state rate plus the county income tax on pay after WH-4 exemptions (Indiana Dept. of Revenue); state rate schedule: DOR Rates, Fees & Penalties. Figures checked November 2026. Methodology & full sources
Quick answers
Worked examples, not your result — the figures below use the salaries and defaults stated in each example. Enter your own numbers in the calculator above for your figure.
$80,000 a year in Indiana: take-home pay of $2,280.45 per paycheck (every two weeks), or $59,291.70 a year.
$35 an hour in Indiana (40 hours a week, paid every two weeks): take-home pay of $2,099.40 per paycheck, or $54,584.40 a year.
$100,000 a year in Indiana: take-home pay of $2,783.36 per paycheck (every two weeks), or $72,367.36 a year.
All three assume a single filer in Marion County (2.02%) with one WH-4 personal exemption and no pre-tax deductions.
How this calculator works
Indiana publishes its withholding method outright — Departmental Notice #1 — and this calculator uses it, step for step. The steps:
- Start with gross pay for the period — your salary divided by the number of paychecks in the year, or your hourly rate times the hours in the paycheck.
- Subtract pre-tax deductions for both sides. Indiana tax starts from federal adjusted gross income, so a traditional 401(k) contribution comes out of wages before Indiana tax is figured, exactly as on the federal side.
- Annualize and apply the IRS schedule. Your federal taxable pay is annualized, run through the Publication 15-T (2026) schedule for your filing status and W-4 entries, then divided back into paychecks.
- Add FICA. Social Security is 6.2% of wages up to $184,500 for 2026; Medicare is 1.45% of all wages, plus 0.9% withholding on wages from one employer above $200,000.
- Indiana tax — Departmental Notice #1. Annualize your Indiana wages, subtract your WH-4 exemptions — $1,000 a year per personal exemption (Line 5), $1,500 per dependent (Line 6), $1,500 per first-time additional dependent (Line 7), $3,000 per adopted child (Line 8) — then apply the 2.95% state rate and your county's rate to the same remainder, rounding each line to the cent. Filing status does not enter Indiana's math at all.
- The remainder is your take-home pay — with the county line already inside it: unlike Pennsylvania or Michigan, where local taxes sit outside the state formula, Indiana's county tax is part of the same withholding computation.
The exemptions are why Indiana's effective bite runs below its combined rate: at $40,000 in Marion County the state-plus-county lines come to $74.55 a check — about 4.85% of gross pay, under the 4.97% combined headline rate — and the shelter matters less as pay grows.
Three examples, worked in full
Example 1 — $80,000 salary, paid every two weeks
| Gross pay ($80,000 ÷ 26) | $3,076.92 |
| Federal income tax | $410.08 |
| Social Security | $190.77 |
| Medicare | $44.62 |
| Indiana state tax (2.95%) | $89.63 |
| Indiana county tax (Marion — 2.02%) | $61.38 |
| Take-home pay | $2,280.45 |
Indiana's two lines come to $151.01 a check — $3,926.26 over the year, about 4.91% of gross pay — on a single filer in Marion County with one WH-4 personal exemption. The same worker keeps $2,305.38 in Colorado: Colorado's larger allowance outweighs Indiana's lower combined rate at this salary.
Example 2 — $120,000 salary with a 401(k)
Paid every two weeks, single, in Marion County with one personal exemption, contributing $300 a paycheck to a traditional 401(k):
| Gross pay ($120,000 ÷ 26) | $4,615.38 |
| Pre-tax 401(k) contribution | −$300.00 |
| Federal income tax | $682.54 |
| Social Security | $286.15 |
| Medicare | $66.92 |
| Indiana state tax (2.95%) | $126.17 |
| Indiana county tax (Marion — 2.02%) | $86.39 |
| Take-home pay | $3,067.20 |
Because Indiana starts from federal adjusted gross income, the contribution escapes Indiana tax too. Without it, federal withholding would be $753.77 and Indiana's lines $135.02 and $92.45; contributing cuts the federal line by $71.23 and Indiana's lines by $14.91 a paycheck. The $300 of saving costs $213.86 of spendable pay — over a year, $79,747.20 of take-home plus $7,800 into the 401(k). FICA is figured on pay before the contribution: 401(k) deferrals do not escape Social Security and Medicare.
Example 3 — $30 an hour, paid weekly
| Gross pay (40 hours × $30) | $1,200.00 |
| Federal income tax | $130.58 |
| Social Security | $74.40 |
| Medicare | $17.40 |
| Indiana state tax (2.95%) | $34.83 |
| Indiana county tax (Marion — 2.02%) | $23.85 |
| Take-home pay | $918.94 |
At 40 hours a week all year that is $62,400 of gross pay and $47,784.88 of take-home.
What paychecks look like at other salaries
Indiana, single filer, Marion County (2.02%), one WH-4 personal exemption, no pre-tax deductions, paid every two weeks:
| Salary | Gross / check | Federal tax | Indiana state tax | Indiana county tax | FICA | Take-home / check | Take-home / year |
|---|---|---|---|---|---|---|---|
| $40,000 | $1,538.46 | $140.46 | $44.25 | $30.30 | $117.69 | $1,205.76 | $31,349.76 |
| $50,000 | $1,923.08 | $186.62 | $55.60 | $38.07 | $147.11 | $1,495.67 | $38,887.42 |
| $60,000 | $2,307.69 | $240.85 | $66.94 | $45.84 | $176.54 | $1,777.52 | $46,215.52 |
| $75,000 | $2,884.62 | $367.77 | $83.96 | $57.49 | $220.68 | $2,154.73 | $56,022.98 |
| $100,000 | $3,846.15 | $579.31 | $112.33 | $76.92 | $294.23 | $2,783.36 | $72,367.36 |
| $125,000 | $4,807.69 | $799.92 | $140.69 | $96.34 | $367.79 | $3,402.95 | $88,476.70 |
| $150,000 | $5,769.23 | $1,030.69 | $169.06 | $115.76 | $441.34 | $4,012.37 | $104,321.62 |
Hourly workers
Indiana, single filer, Marion County (2.02%), one WH-4 personal exemption, 40 hours a week, paid weekly:
| Hourly rate | Gross / week | Federal tax | Indiana state tax | Indiana county tax | FICA | Take-home / week |
|---|---|---|---|---|---|---|
| $15 | $600.00 | $49.92 | $17.13 | $11.73 | $45.90 | $475.32 |
| $20 | $800.00 | $73.92 | $23.03 | $15.77 | $61.20 | $626.08 |
| $25 | $1,000.00 | $97.92 | $28.93 | $19.81 | $76.50 | $776.84 |
| $30 | $1,200.00 | $130.58 | $34.83 | $23.85 | $91.80 | $918.94 |
| $40 | $1,600.00 | $218.58 | $46.63 | $31.93 | $122.40 | $1,180.46 |
| $50 | $2,000.00 | $306.58 | $58.43 | $40.01 | $153.00 | $1,441.98 |
Indiana's minimum wage is $7.25 an hour in 2026 — Indiana sets no higher state rate, so the federal floor applies. At $7.25 for 40 hours, take-home comes to $239.77 a week on the assumptions above. See minimum wages by state for how floors compare.
Every county's rate, 2026
Departmental Notice #1 (R47 / 10-26, effective Oct. 1, 2026) lists all 92 counties. The calculator's county list is this table: pick your county of residence as of January 1 and the county line recomputes at that rate. Only Boone County changed since the January 1, 2026 notice (to 1.71%). The spread is wide — the same $100,000 salary keeps $73,872.24 in Porter County (0.50%) against $71,397.30 in Randolph County (3.00%), a $2,474.94-a-year difference from the county line alone.
| County | County income tax rate, 2026 |
|---|---|
| Adams | 1.6% |
| Allen | 1.59% |
| Bartholomew | 1.75% |
| Benton | 1.79% |
| Blackford | 2.5% |
| Boone | 1.71% |
| Brown | 2.5234% |
| Carroll | 2.4733% |
| Cass | 2.95% |
| Clark | 2% |
| Clay | 2.35% |
| Clinton | 2.65% |
| Crawford | 1.65% |
| Daviess | 1.5% |
| Dearborn | 1.4% |
| Decatur | 2.45% |
| DeKalb | 2.13% |
| Delaware | 1.5% |
| Dubois | 1.2% |
| Elkhart | 2% |
| Fayette | 2.82% |
| Floyd | 1.89% |
| Fountain | 2.1% |
| Franklin | 1.7% |
| Fulton | 2.88% |
| Gibson | 1.3% |
| Grant | 2.75% |
| Greene | 2.35% |
| Hamilton | 1.1% |
| Hancock | 1.94% |
| Harrison | 1% |
| Hendricks | 1.7% |
| Henry | 2.02% |
| Howard | 2.35% |
| Huntington | 1.95% |
| Jackson | 2.1% |
| Jasper | 2.864% |
| Jay | 2.5% |
| Jefferson | 1.03% |
| Jennings | 2.5% |
| Johnson | 1.4% |
| Knox | 1.7% |
| Kosciusko | 1% |
| LaGrange | 1.65% |
| Lake | 1.5% |
| LaPorte | 1.45% |
| Lawrence | 1.75% |
| Madison | 2.25% |
| Marion | 2.02% |
| Marshall | 1.25% |
| Martin | 2.5% |
| Miami | 2.54% |
| Monroe | 2.14% |
| Montgomery | 2.65% |
| Morgan | 2.72% |
| Newton | 1% |
| Noble | 1.75% |
| Ohio | 2% |
| Orange | 1.75% |
| Owen | 2.5% |
| Parke | 2.65% |
| Perry | 1.4% |
| Pike | 1.2% |
| Porter | 0.5% |
| Posey | 1.45% |
| Pulaski | 2.85% |
| Putnam | 2.3% |
| Randolph | 3% |
| Ripley | 2.38% |
| Rush | 2.15% |
| St. Joseph | 1.75% |
| Scott | 2.16% |
| Shelby | 1.7% |
| Spencer | 0.8% |
| Starke | 1.71% |
| Steuben | 1.99% |
| Sullivan | 1.7% |
| Switzerland | 1.45% |
| Tippecanoe | 1.28% |
| Tipton | 2.6% |
| Union | 2.75% |
| Vanderburgh | 1.25% |
| Vermillion | 1.5% |
| Vigo | 2% |
| Wabash | 2.9% |
| Warren | 2.12% |
| Warrick | 1% |
| Washington | 2% |
| Wayne | 1.25% |
| Wells | 2.1% |
| White | 2.32% |
| Whitley | 1.6829% |
Source: Indiana Department of Revenue, Departmental Notice #1, county rate table effective Oct. 1, 2026. County rates are re-published each January and October — the 2027 table will replace this one.
Indiana pay rules worth knowing
Two layers, one computation
Indiana is the only flat-tax state on this site where the local layer is part of the state formula rather than a footnote: the state rate and the county rate apply to the same exemption-reduced pay, on the same paycheck, under the same notice. That is why the calculator shows two Indiana lines instead of one — and why a move across a county line changes your paycheck without any change in salary. A worker in Porter County (0.50%) keeps about $2,474.94 a year more than the same worker in Randolph County (3.00%) on $100,000.
The WH-4, not the W-4, sets your shelter
Your federal W-4 does not touch Indiana withholding. The Indiana form is the WH-4 — the Employee's Withholding Exemption & County Status Certificate — and it carries two things: your exemption counts (Lines 5–8) and your county of residence. There is no standard deduction and no filing-status effect: a married couple filing jointly gets no double shelter inside one employee's withholding, because the exemptions are per person, claimed on each worker's own WH-4.
Residence on January 1 locks the county for the year
Move counties mid-year and your withholding county does not change until the next January 1 — the notice fixes both the county of residence and the county of principal employment as of January 1. If you lived out of state on January 1 but your principal workplace is in an Indiana county, that work county's rate is the one withheld. A mid-year move still matters at filing time, which is why the WH-4 asks you to update it when your information changes.
Bonuses — no exemptions on a separate check
Departmental Notice #1 is explicit: for one-time or non-periodic payments, such as a bonus check, withholding is computed without exemptions. A bonus paid separately is withheld at 2.95% plus your county rate on the full payment — in Marion County, 4.97% of the bonus. A bonus paid with your regular wages is simply part of that period's wages, exemptions included. This calculator prices no flat bonus rate of its own, because the Department publishes the rule, not a rate — the federal treatment of that same bonus is a separate question, see the Bonus Tax Calculator.
Reciprocity — state yes, county no
Indiana has reciprocal agreements with Kentucky, Michigan, Ohio, Pennsylvania and Wisconsin: file Form WH-47 and your employer stops withholding Indiana state tax — your home state taxes those wages instead. But the Department requires employers to keep withholding Indiana county tax for reciprocal-state employees working in Indiana, so a Kentucky resident working in Indiana still sees a county line on the paycheck.
A rate on a glide path
Indiana's state rate has been stepping down on a legislated schedule — 3.05% in 2024, 3.00% in 2025, 2.95% in 2026 — and is scheduled to reach 2.90% in 2027. County rates move on their own schedule, re-published each January and October. Both layers are why this page stamps its figures November 2026 and why the December annual refresh re-checks Departmental Notice #1 before carrying the page into 2027.
Sources
Federal withholding tables: IRS Publication 15-T (2026). FICA rates and the Social Security cap: IRS Topic No. 751 and the Social Security Administration's 2026 announcement. Indiana withholding: Departmental Notice #1, How to Compute Withholding for State and County Income Tax (R47 / 10-26, effective Oct. 1, 2026), Indiana Department of Revenue — state rate, WH-4 exemption tables, worked example, and the 92-county rate table. State rate schedule: DOR Rates, Fees & Penalties (2.95% for 2026, 2.90% for 2027). Reciprocity: DOR Business FAQ — Withholding Tax. Minimum wage: $7.25 (federal floor; Indiana sets no higher state rate). See our methodology & sources page for the full list.
Related calculators
- Paycheck Calculator (all states) — the generic calculator with every covered state
- Paycheck calculators by state — all nineteen state calculators in one directory
- Take-Home Index — all nineteen states ranked at four salary levels
- Bonus Tax Calculator — how a bonus is really taxed
- Pay Raise Calculator — what a raise is actually worth after tax
Questions, answered
How much is $100,000 a year after taxes in Indiana?
For a single filer paid every two weeks, with no pre-tax deductions, one WH-4 personal exemption and Marion County's 2.02% county rate: $2,783.36 take-home per paycheck and $72,367.36 over a full year. Indiana takes $112.33 of state tax and $76.92 of county tax per paycheck, $4,920.50 over the year, under the Department of Revenue's Departmental Notice #1.
What is Indiana's income tax rate in 2026?
A flat 2.95% of taxable wages, applied after the WH-4 exemptions. Indiana has one rate for all incomes — no brackets — plus a county income tax in every county, from 0.50% in Porter County to 3.00% in Randolph County. The state rate is scheduled to fall to 2.90% in 2027.
How is Indiana withholding calculated?
This calculator uses the Department of Revenue's Departmental Notice #1 method: annualize your pay, subtract your WH-4 exemptions — $1,000 a year per personal exemption, $1,500 per dependent, $1,500 per first-time additional dependent, $3,000 per adopted child — then apply the 2.95% state rate and your county's rate to the same remainder, rounding each line to the cent, and divide back into paychecks. DN#1 states no separate rounding rule beyond its own worked example, which lands on cents for both lines.
What county tax rate should I use in Indiana?
Your county of residence as of January 1 of the tax year — not the county where you work. If you lived out of state on January 1 but your principal workplace is in an Indiana county, that work county's rate applies, and it holds for the whole year even if you move. This calculator defaults to Marion County (Indianapolis) at 2.02%, the state's most populous county; pick your own county from the list and the county line recomputes.
Does Indiana tax 401(k) contributions?
No. Indiana tax starts from federal adjusted gross income, so a traditional 401(k) contribution is excluded from Indiana wages just as on the federal side. In our $120,000 example, contributing $300 a paycheck cut federal withholding by $71.23 and Indiana's state-plus-county lines by $14.91 a paycheck.
Are bonuses taxed differently in Indiana?
In one specific way: Departmental Notice #1 says withholding on one-time payments, such as a bonus check, is computed without exemptions — so a separately paid bonus is withheld at 2.95% plus your county rate on the full payment (4.97% in Marion County). A bonus paid with your regular wages is part of that period's wages, exemptions included. The federal side has its own flat supplemental rate — see the Bonus Tax Calculator.
I live in Kentucky, Michigan, Ohio, Pennsylvania or Wisconsin and work in Indiana. Do I owe Indiana withholding?
Indiana has reciprocal agreements with those five states: file Form WH-47 and your employer will not withhold Indiana state tax — your home state taxes the wages instead. But county tax is not covered by reciprocity: the Department requires employers to still withhold Indiana county tax for reciprocal-state employees working in Indiana.
What is Indiana's minimum wage in 2026?
$7.25 an hour statewide in 2026 — Indiana sets no higher state rate, so the federal floor applies. At $7.25 an hour for 40 hours a week, this calculator shows take-home pay of $239.77 a week for a single filer in Marion County with one WH-4 personal exemption.
FigWage calculators are estimates for education, not tax advice. Your actual withholding can differ — WH-4 elections, a mid-year county move, or the state's wage tables can all move the number. Your pay stub and the IRS Withholding Estimator are the final word.