Indiana Paycheck Calculator 2026

2026

Calculate your take-home pay in Indiana. Indiana has a flat income tax system. Based on current IN and federal tax rates.

Pay Type
$

Net Pay (Bi-Weekly)

$2,283.85

Annual Take-Home

$59,380.00

Total Tax (Annual)

$15,620.00

Paycheck Breakdown (Bi-Weekly)

Gross Pay$2,884.62
Federal Income Tax- $295.00
Social Security (6.2%)- $178.85
Medicare (1.45%)- $41.83
Indiana State Tax- $85.10
Net Pay$2,283.85

Annual Summary

Gross Annual Income$75,000.00
Federal Income Tax- $7,670.00
FICA (SS + Medicare)- $5,737.50
Indiana State Tax (estimate)- $2,212.50
Total Deductions & Tax- $15,620.00
Annual Take-Home Pay$59,380.00
Monthly Take-Home$4,948.33

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

Indiana Tax Overview

A paycheck in Indiana passes through four main deductions before the money reaches your account. The federal government withholds income tax based on your W-4 elections, plus Social Security at 6.2% on wages up to the $184,500 wage base and Medicare at 1.45% on every dollar earned. On top of that sits Indiana's flat 2.95% state income tax, which applies the same rate whether you make $30,000 or $300,000 a year.

Indiana has no state disability insurance and no state paid-family-leave payroll tax, so you won't see those line items that workers in some other states do. What does vary is the local layer: most Indiana counties levy their own income tax that the employer withholds right alongside the state rate. Pre-tax money that goes into a 401(k), up to the $24,500 deferral limit, or into health and HSA premiums shrinks the wage base that both federal and the 2.95% state tax apply to, which is the main lever most workers have over their net pay.

Indiana Key Rates & Limits (2026)

State Income Tax 0.0295% (flat)
State Sales Tax 0.07%
Avg. Property Tax Rate 0.0081%
Minimum Wage $7.25/hr
State Disability Insurance (SDI) No
Paid Family Leave No

Official Sources:

Indiana Paycheck FAQ

What state taxes come out of my Indiana paycheck?
The Indiana Department of Revenue collects a flat 2.95% state income tax on your taxable wages, and that is withheld every pay period. Most counties add a separate local income tax that your employer also withholds based on where you live. Indiana does not have a state disability or paid-leave payroll deduction, so those two lines are absent.
Why is the state tax line the same percentage no matter what I earn?
Indiana uses a single flat rate of 2.95% rather than graduated brackets, so the percentage withheld for state tax does not climb as your pay rises. A raise increases the dollar amount of state tax but never pushes you into a higher state bracket, because there is only one. Your federal withholding, by contrast, still follows the IRS's tiered brackets.
How do 401(k) contributions change my Indiana take-home pay?
Traditional 401(k) contributions come out before income tax is calculated, so they lower the wages exposed to both federal tax and Indiana's 2.95% rate. Deferring up to the $24,500 annual limit reduces your current taxable income, though Social Security and Medicare are still figured on the full amount. Roth 401(k) money, by contrast, is taxed now and does not lower current withholding.
Does Indiana tax my whole salary for Social Security and Medicare?
Those are federal taxes, not state ones, but they still appear on an Indiana paycheck. Social Security is 6.2% on earnings up to the $184,500 wage base, after which it stops for the year, while Medicare's 1.45% applies to every dollar with no cap. Indiana's 2.95% income tax is calculated separately and has no wage ceiling.