Indiana Paycheck Calculator (2026)
Last updated: 2026-10-07 · Indiana figures checked against official sources on 2026-10-07
Indiana withholds a flat 2.95% state income tax in 2026 using its own formula and your Form WH-4 Employee's Withholding Exemption and County Status Certificate, plus local income taxes in some cities or counties. On a $50,000 salary paid every two weeks, a single employee keeps about $1,535.38 per check: $146.92 federal, $147.11 Social Security and Medicare, $93.67 Indiana income tax come out of $1,923.08.
Year-to-date, employer size and gross-up
For the $184,500 wage base and the $200,000 Additional Medicare threshold.
Sets state paid-leave shares (e.g. DE, CO, ME).
Enter a take-home amount to solve for gross pay.
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Paycheck breakdown · 2026 · Indiana
| Item | This check | Year |
|---|---|---|
| Salary | $1,923.08 | $50,000 |
| Gross pay | $1,923.08 | $50,000 |
| − Federal income tax | −$146.92 | −$3,820 |
| − Social Security (6.2%) | −$119.23 | −$3,100 |
| − Medicare (1.45%) | −$27.88 | −$725 |
| − Indiana income taxState formula | −$93.67 | −$2,435 |
| Net pay | $1,535.38 | $39,920 |
How federal withholding was figured (Pub. 15-T Worksheet 1A)
| 1a | Taxable wages this pay period | $1,923.08 |
| 1b | Pay periods per year | 26 |
| 1c | Annualized wages | $50,000.08 |
| 1d | Step 4(a) other income | $0.00 |
| 1f | Step 4(b) deductions | $0.00 |
| 1g | Standard adjustment ($12,900 MFJ / $8,600 other) | $8,600.00 |
| 2a | Adjusted Annual Wage Amount | $41,400.08 |
| 2b–2d | Row: at least $19,900 → $1,240.00 + 12% of the excess (standard single schedule) | |
| 2g | Annual tentative withholding | $3,820.01 |
| 2h | ÷ pay periods | $146.92 |
| 3b | Step 3 credits per period | −$0.00 |
| 4a | Extra withholding (Step 4(c)) | $0.00 |
| 4b | Federal income tax to withhold | $146.92 |
How Indiana withholding was figured
Indiana Departmental Notice #1 (Oct. 2026) — state + county
| Annualized state wages ($1,923.08 × 26) | $50,000.08 |
| WH-4 exemptions (1 × $1,000, 0 × $1,500, 0 × $3,000) | −$1,000.00 |
| State 2.95% | $1,445.50 |
| Marion County 2.02% | $989.80 |
| Annual withholding ÷ 26 pay periods | $93.67 |
- Includes Marion County tax (2.02%), withheld on the same taxable wages.
What the employer pays on top
| Social Security match (6.2%) | $119.23 |
| Medicare match (1.45%) | $27.88 |
| FUTA (0.6% of the first $7,000) | $11.54 |
| Federal employer taxes this check | $158.65 |
Plus state unemployment, paid-leave employer shares and workers' comp — payroll cost calculator has every state's 2026 rates.
Indiana take-home pay examples (2026)
Paid biweekly, 2026 W-4 with only the filing status, no pre-tax deductions or local tax; Indiana certificate — single: County (where you lived Jan. 1): Marion (2.02%); WH-4 personal exemptions: 1; WH-4 dependent child exemptions: 0; WH-4 adopted dependents: 0; married: County (where you lived Jan. 1): Marion (2.02%); WH-4 personal exemptions: 2; WH-4 dependent child exemptions: 0; WH-4 adopted dependents: 0. Computed with the same engine as the calculator.
| Salary · filing status | Gross / check | Federal | Soc. Sec. + Medicare | Indiana tax | Net / check | Net / year |
|---|---|---|---|---|---|---|
| $50,000 · single | $1,923.08 | $146.92 | $147.11 | $93.67 | $1,535.38 | $39,920 |
| $50,000 · married, one income | $1,923.08 | $68.46 | $147.11 | $91.75 | $1,615.76 | $42,010 |
| $100,000 · single | $3,846.15 | $506.54 | $294.23 | $189.24 | $2,856.14 | $74,260 |
| $100,000 · married, one income | $3,846.15 | $293.85 | $294.23 | $187.33 | $3,070.74 | $79,839 |
Indiana income tax rates for 2026
2026: State rate cut from 3.0% to 2.95% for 2026 (HEA 1001-2023 schedule; DOR: 2.90% in 2027). County rates updated Jan 1 and Oct 1, 2026 (Boone County changed effective Oct 1, 2026, to 1.71%). DOR's 2026 Tax Chapter says the local income tax structure changes from 2028 (existing LIT rates expire; new rates adopted in the 2027 budget process) — no 2026 effect.
All filing statuses
| Taxable income | Rate |
|---|---|
| Over $0 | 2.95% |
- Standard deduction
- None
- Personal exemption
- $1,000 / $2,500 per dependent deduction
Credits, phase-outs and other Indiana rules
- State adjusted gross income tax 2.95% for 2026 (3.0% in 2025; 2.90% scheduled for 2027) — DOR Rates page and Departmental Notice #1. Same rate for all statuses.
- No standard deduction. Exemptions (deductions): $1,000 for taxpayer and $1,000 for spouse (MFJ enters $2,000), $1,000 per dependent; PLUS an additional $1,500 for each qualifying dependent child (under 19, or full-time student under 24) — so `dependent: 2500` models a typical dependent child ($1,000 + $1,500); a non-child dependent is $1,000. In the first taxable year the additional exemption is allowable for a child, $3,000 is allowed instead of $1,500. An additional $3,000 per adopted dependent child. Additional $1,000 each for 65+ and for blind; additional $500 if 65+ and federal AGI < $40,000 ($20,000 MFS). (2025 IT-40 booklet pp.24-25; amounts are statutory, not indexed.)
- Renter's deduction up to $3,000 ($1,500 MFS) — IT-40 booklet.
- County local income tax (LIT) is imposed on the same base (Indiana AGI less exemptions) at the rate of the county of residence on Jan 1 (or, for someone living out of state on Jan 1, the county of principal employment). 2026 county rates range 0.5% (Porter) to 3.0% (Randolph).
All 51 jurisdictions side by side: 2026 state income tax rates.
How Indiana withholding works
Employee form: Form WH-4 Employee's Withholding Exemption and County Status Certificate (State Form 48845)
Employer guide: Indiana DOR Departmental Notice #1 (R47 / 10-26), How to Compute Withholding for State and County Income Tax, effective Oct 1, 2026
Per pay period: taxable = gross wages − [($1,000 × WH-4 line 5 exemptions) + ($1,500 × line 6 additional dependents) + ($1,500 × line 7 first-time additional dependents) + ($3,000 × line 8 adopted dependents)] ÷ pay periods. State tax = taxable × 2.95%; county tax = taxable × county rate (county of residence on Jan 1, else county of principal employment on Jan 1). Plus WH-4 lines 9/10 additional state/county amounts. Bonuses/non-periodic payments: compute without exemptions. Indiana does not honor the federal 'no withholding' allowance under IRC §3402(n). No filing-status distinction.
Other deductions from a Indiana paycheck
Indiana has no employee-paid state disability, paid-leave or unemployment premium in 2026, so after income taxes the only required deductions are Social Security (6.2% up to $184,500) and Medicare (1.45%, plus 0.9% above $200,000).
Local income taxes in Indiana
- Indiana county local income tax (all 92 counties) — 0.5% to 3%. Rates per Departmental Notice #1 effective Oct 1, 2026 (Porter 0.5% lowest; Randolph 3.0% highest). Since 2017 residents and nonresidents pay the same county rate: residents use their county of residence on Jan 1; individuals who lived out of state on Jan 1 use the county of principal employment on Jan 1. Reciprocity agreements (KY, MI, OH, PA, WI) cover state tax only — they do NOT cover county tax, so reciprocal-state residents working in Indiana still owe/withhold county tax (IB 28). Full county list is in WH_G3.IN.tables.countyRates. Source
- Marion County (Indianapolis) — 2.02% resident. Effective rate per DN #1 (Oct 1, 2026). Same rate for nonresidents whose principal place of work on Jan 1 is in the county. Source
- Lake County — 1.5% resident. DN #1 (Oct 1, 2026). Source
- Allen County (Fort Wayne) — 1.59% resident. DN #1 (Oct 1, 2026). Source
- Hamilton County — 1.1% resident. DN #1 (Oct 1, 2026). Source
- St. Joseph County (South Bend) — 1.75% resident. DN #1 (Oct 1, 2026). Source
- Elkhart County — 2% resident. DN #1 (Oct 1, 2026). Source
- Tippecanoe County (Lafayette) — 1.28% resident. DN #1 (Oct 1, 2026). Source
- Vanderburgh County (Evansville) — 1.25% resident. DN #1 (Oct 1, 2026). Source
- Porter County — 0.5% resident. DN #1 (Oct 1, 2026). Lowest county rate in Indiana. Source
- Hendricks County — 1.7% resident. DN #1 (Oct 1, 2026). Source
Indiana paycheck FAQ
How much is $50,000 a year after taxes in Indiana?
About $39,920 a year — $1,535.38 per biweekly paycheck — for a single filer with a basic 2026 W-4 and no pre-tax deductions: $146.92 federal income tax, $147.11 Social Security and Medicare, $93.67 Indiana income tax per check. A married couple filing jointly on one $50,000 income keeps about $42,010 ($1,615.76 per check).
How much is $100,000 a year after taxes in Indiana?
About $74,260 for a single filer ($2,856.14 per biweekly check) and $79,839 for a married couple with one income ($3,070.74 per check); Indiana income tax takes $4,920 and $4,871 of that respectively. Add 401(k), health or HSA deductions in the calculator to see your exact number.
What is the Indiana income tax rate for 2026?
A single rate of 2.95% and a personal exemption ($1,000 / $2,500 per dependent deduction). State rate cut from 3.0% to 2.95% for 2026 (HEA 1001-2023 schedule.
Which form controls Indiana withholding?
Your Form WH-4 Employee's Withholding Exemption and County Status Certificate (State Form 48845). Employers apply Indiana DOR Departmental Notice #1 (R47 / 10-26), How to Compute Withholding for State and County Income Tax, effective Oct 1, 2026. Changing your federal W-4 does not change your Indiana withholding.
Are there local income taxes in Indiana?
Yes: Indiana county local income tax (all 92 counties) (0.5%–3%); Marion County (Indianapolis) (2.02% resident); Lake County (1.5% resident); Allen County (Fort Wayne) (1.59% resident); Hamilton County (1.1% resident); St. Joseph County (South Bend) (1.75% resident); and more listed on this page. Pick yours under “Local income tax” in the calculator — the county tax is built into the state line.
What else comes out of a Indiana paycheck besides income tax?
Only Social Security (6.2% of wages up to $184,500) and Medicare (1.45%, plus 0.9% over $200,000) — Indiana has no employee-paid state disability, paid-leave or unemployment premium in 2026 — and any benefits you elect.
Does Indiana tax 401(k) contributions or health premiums?
Indiana follows the federal treatment for wage withholding: traditional 401(k)/403(b)/457(b) deferrals and cafeteria-plan items (health premiums, HSA, FSA) reduce the wages Indiana taxes.
More for Indiana employers and employees
Official Sources
Figures checked against these sources on 2026-10-07- Indiana DOR — Departmental Notice #1 (R47 / 10-26), effective Oct 1, 2026
- Indiana DOR — Rates, Fees & Penalties (2026 rate 2.95%, 2027 2.90%)
- Indiana DOR — 2025 IT-40 Full-Year Resident Booklet (exemptions)
- Indiana Form WH-4 (R10 / 8-23)
- Indiana DOR — Income Tax Information Bulletin #28 (Dec 2024) reciprocity
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — federal withholding
- IRS Publication 15 (2026), Employer's Tax Guide — FICA
Paycheck calculators for other states
- Alabama
- Alaskano tax
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- South Dakotano tax
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- Texasno tax
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- Washingtonno tax
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- Wyomingno tax
Estimates only, not tax or payroll advice. Check results against your pay stub.