This free Indiana paycheck calculator shows your 2026 take-home pay. It covers federal income tax, Indiana's flat state tax, your county income tax, Social Security and Medicare. Indiana keeps things simple at the state level with one flat rate for everyone. But every one of its 92 counties adds its own tax on top, so the calculator includes a county picker.
The state rate for 2026 is 2.95%, and a law already sets it to drop to 2.90% in 2027. County rates run between 0.5% and 3.0%. Added together, the total state and county rate in Indiana is still among the lowest in the region.
How Indiana taxes your paycheck in 2026
Indiana charges a flat 2.95% on taxable income in 2026. There are no brackets and no marriage penalty. The rate on your first taxable dollar is the same as on your last. The rate steps down year by year. The same salary will carry slightly less state tax in 2027, at 2.90%.
The catch is what gets taxed. Indiana has no standard deduction. You get a $1,000 personal exemption per person and that is basically it. State tax starts from nearly dollar one. A flat 2.95% on almost all your income takes more than the headline suggests. Compare that with a state that shields the first $10,000 or more with a deduction.
Then comes the county tax, and it is not optional. Every Indiana county charges one, from Porter's 0.5% to Randolph's 3.0%. Your rate is set by where you lived on January 1. Marion County, home to Indianapolis, is 2.02%. Hamilton County commuters pay 1.1%. Your January 1 address sets the rate for the whole year. Moving in February does not change it until next year.
The county picker: 92 counties, 92 rates
The gap between Indiana's cheapest and priciest county is 2.5 percentage points. That is a wider spread than the state tax itself. On a $60,000 salary that is up to $1,500 a year, depending on where in the state you live. It makes the county line one of the biggest inputs in this calculator.
The calculator covers all 92 counties. The examples on this page use Marion County's 2.02% rate, the Indianapolis default. If you live in a lower-rate county your numbers will come out better than the ones quoted here. In Randolph, and a handful of other high-rate rural counties, they will come out slightly worse.
Your employer takes county tax out alongside state tax. The rate comes from the county you report on Form WH-4. After a move, update that form. The January 1 rule means the change takes effect the following year. A stale WH-4 is the usual reason an Indiana refund or tax bill surprises people in April.
What an Indiana paycheck looks like in practice
Even with the county layer and no standard deduction, Indiana is a cheap state to earn a paycheck in. A single filer on $60,000 in Indianapolis keeps about 79% of gross pay. That beats Illinois for a typical salary, and beats neighboring Ohio cities once their city taxes are counted. The combined state-plus-county rate in Indiana usually lands between 3.5% and 5%.
Federal deductions are standard. Your employer takes out federal income tax based on your W-4 form. Social Security is 6.2% up to the $184,500 wage base. Medicare is 1.45%, plus another 0.9% on pay above $200,000. Indiana adds no disability, family-leave or unemployment lines to the employee side of your stub.
Pre-tax savings get the normal treatment. 401(k) contributions skip federal, state and county income tax, but not FICA. FICA is the Social Security and Medicare tax. HSA money taken from your paycheck skips everything, because Indiana follows the federal HSA rules. Indiana's rate is flat, so every pre-tax dollar saves you exactly 2.95% state plus your county rate.
Indiana paycheck FAQ
- How much is $60,000 after taxes in Indiana?
- A single filer on $60,000 with no pre-tax deductions, living in Marion County, takes home about $47,458 a year in 2026. That is roughly $1,825 per biweekly paycheck. The total tax rate is about 20.9%. That includes Marion County's 2.02% local tax. Marion County covers Indianapolis, and every Indiana county charges its own rate.
- How much is $100,000 after taxes in Indiana?
- A single filer on $100,000 with no pre-tax deductions, living in Marion County, keeps about $74,260 a year in 2026. That is roughly $2,856 per biweekly paycheck. The total tax rate is about 25.7%. That includes the 2.02% Marion County local tax. County rates range from 0.5% to 3.0%, so pick yours in the calculator.
- What is Indiana's state income tax rate in 2026?
- A flat 2.95% for everyone in 2026, dropping to 2.90% in 2027 under a law already passed. Every county adds its own tax on top of that. County rates run from 0.5% in Porter to 3.0% in Randolph. Marion County, which covers Indianapolis, is 2.02%, and Hamilton County is 1.1%.
- Which county rate applies if I moved during the year?
- The county where you lived on January 1 sets your rate for the entire year. A move partway through the year changes nothing until the following January. Update your Form WH-4 anyway, so your employer takes out the right county rate from the start of the new year. County rates range from 0.5% to 3.0%.
- Does Indiana have a standard deduction?
- No. Indiana offers only a $1,000 personal exemption per person. The flat 2.95% applies from nearly the first dollar of income. That is why the state rate you actually pay in Indiana is close to its headline rate. States with large deductions shield more of your pay before their tax starts.
Sources
- Indiana DOR — Departmental Notice #1 (county rates)
- Indiana DOR — rates, fees and penalties
- Tax Foundation — state income tax rates 2026
All sources accessed and figures verified August 2026.