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Indiana Paycheck Calculator

In Indiana for 2026, a $75,000 salary takes home about $59,410 per year after federal income tax and FICA (Social Security and Medicare), and Indiana state income tax.

Indiana take-home pay calculator

This is the figure before tax, not the amount that lands in your account

Your pay stub calls it gross pay. It is what you are paid before federal and Indiana income tax, Social Security and Medicare come out of it.

Your usual week, not a busy one

Use the hours you work most weeks. Overtime belongs in the overtime calculator instead.

How often are you paid?

It changes the size of each check, not the tax you owe for the year

It only decides how the year is cut up, so the figure you see is the one you would actually receive.

How do you do your taxes?

It moves the income bands, so it changes the tax on the same pay

Tax forms call this your filing status. This estimate assumes one income; if your husband or wife also earns, the real figure is higher than this.

Do customers tip you?

Cash and card tips together, for the whole year.

An hourly rate times your hours never includes tips

If you worked out your pay as a rate times the hours you work, that figure is your wages and nothing else, so your tips are on top of it. A yearly salary from an employer who reports your tips usually already has them in it, and your last payslip is the place to check: if the gross on it is bigger than your rate times your hours, the difference is your reported tips.

Do you get paid extra for working extra hours?

This starts at one and a half times your normal rate, the usual overtime rate. Change it if yours is different, and it stops following.

Do you get a bonus or commission?

Do you, or your husband or wife, turn 65 at any point this year?

Do you put part of your pay into a retirement plan at work?

Look on your pay stub for a line like 401(k), 403(b), 457, TSP, retirement or pension.

Does money come out of your pay for health insurance or a health account?

Look on your pay stub for lines like medical, dental, vision, HSA or FSA.

Do you claim any children or other dependents?

That is $0 of dependent credit for the year. A W-4 counts $2,000 for each child under 17 and $500 for each other dependent.

Did you ask your employer to take extra tax out of each paycheck?

Look on your pay stub for a line like additional or extra withholding. On the W-4 you handed in, it is the box on line 4(c).

If your W-4 shows a per-paycheck amount, multiply it by the number of paychecks you get in a year.

Is anything else taken out of your pay after tax?

Look near the bottom of your pay stub for lines like union dues, life insurance, a repayment or a garnishment.

Your answer

These are example numbers. Type yours to see your own.

Based on a $75,000 salary in Indiana, single filer, paid every 2 weeks

$2,284.98

take-home per 2 weeks · $59,410/yr

Gross$2,884.62
Federal income tax−$295.00
Social Security−$178.85
Medicare−$41.83
Indiana income tax−$83.96
Net pay$2,284.98
Federal marginal rate: 22% Effective tax rate: 20.8% Take-home: 79.2%
Bracket by bracket: the federal tax inside your Indiana paycheck
BracketIncome taxed hereTax
10% ($0 – $12,400)$12,400$1,240
12% ($12,400 – $50,400)$38,000$4,560
22% ($50,400 – $105,700)$8,500$1,870

Taxable income $58,900 after the $16,100 standard deduction. Your federal marginal rate is 22%, the federal tax on your next dollar earned.

Compare your take-home pay with Illinois, Ohio or Michigan

Which 2026 rules apply to your Indiana paycheck?

Tick the boxes that describe your pay. The Indiana pointers then show only those.

Tick anything that is true for you.

Tips: federally deductible, and deductible on your Indiana return too. Work out the tip deduction

Overtime: federally deductible, and deductible on your Indiana return too. Work out the overtime deduction

Bonuses: Indiana has no separate supplemental rate, so a bonus is withheld on the ordinary Indiana tables. Estimate the tax on a bonus in Indiana

Turning 65: the $6,000 federal senior deduction comes off your federal return; Indiana still applies its flat 2.95% to the same wages. Check the senior deduction

See every 2026 rule that matches your answers in Indiana

Take-home now: $2,284.98 per 2 weeks

Use this free Indiana (IN) paycheck, payroll and income tax calculator to estimate your 2026 take-home pay after federal income tax, Social Security, Medicare, and Indiana's flat 2.95% state income tax.

Enter your own pay in the calculator to estimate your Indiana take-home pay for any salary or hourly wage.

How Indiana's flat 2.95% income tax hits your 2026 paycheck

Indiana levies a flat 2.95% state income tax for 2026, applied after the state allowance/deduction for your filing status. This calculator applies that on top of federal withholding and Social Security / Medicare to estimate your Indiana take-home pay.

For 2026, Indiana's state standard deduction is $1,000 for single filers and $2,000 for married couples filing jointly; after that, all remaining taxable income is taxed at the single flat rate of 2.95% — Indiana does not use graduated brackets for 2026. As a worked example, a single filer earning $60,000 pays about $1,741 in Indiana income tax (roughly 2.9% of gross) before federal tax and FICA.

What this estimate doesn't include: Estimate assumes a $1,000 personal exemption (single/HoH) / $2,000 (MFJ); dependent exemptions not modeled. Indiana county income taxes apply on top of the state rate and vary by county — not included here. City, county or school-district income taxes where they apply, court-ordered deductions, union dues, and anything else your specific employer withholds are not in this figure; your pay stub is the authority on those.

Estimates only, not tax advice. The section "What this estimate doesn't include" above lists what's left out; see also our terms and the corrections log.

One rate on every taxable dollar: Indiana's 2.95% flat tax (2026)

Indiana applies a single flat rate to taxable wages for 2026.

FilingRate
All taxable income2.95%

Indiana stays on the federal $7.25 minimum wage in 2026

$7.25/hour (≈$15,080/year full-time). Indiana's minimum wage equals the federal $7.25/hr and has been unchanged since 2009; no 2026 increase.

Local income taxes in Indiana

All 92 Indiana counties levy a local income tax (LIT), withheld by employers based on the employee's COUNTY OF RESIDENCE (not work county) as of Jan 1. 2026 county rates range roughly from 0.5% to 3.0%+. Six counties raised rates effective Jan 1, 2026. Marion (Indianapolis) ~2.02%, Hamilton ~1.1%, Allen ~1.59%. Official rates are in DOR Departmental Notice #1.

Two Indiana payroll quirks worth knowing

  • Indiana's flat state individual income tax rate dropped to 2.95% effective Jan 1, 2026 (down from 3.00% in 2025), per DOR Departmental Notice #1 — one of the lowest flat-rate state income taxes in the country.
  • Every one of Indiana's 92 counties imposes its own local income tax stacked on top of the state rate, and it is withheld based on where you LIVE on Jan 1, not where you work — so two coworkers at the same employer can have different total withholding.

Is overtime and tips tax-free in Indiana? Federally yes — and on the Indiana return too

Qualified overtime premium pay and tips are federally deductible for 2025–2028 (OBBBA caps & rules); FICA still applies.

Indiana state income tax: Indiana decouples for 2025. SEA 243 couples for 2026 ONLY and currently sunsets after 2026 — 2027–2028 are not yet conformed. (source: rsmus.com)

  • Overtime: 2025 — not deductible on your Indiana return (still state-taxed); 2026–2028 — deductible on your Indiana return too.
  • Tips: 2025 — not deductible on your Indiana return (still state-taxed); 2026–2028 — deductible on your Indiana return too.

Related: tips calculator · overtime calculator · overtime by state · tips by state.

Your paycheck vs the $71,959 Indiana median

Median household income (2024 (ACS 1-year estimate))$71,959
Take-home (single filer)≈$57,360

Beyond the paycheck: Indiana's 7% sales tax and property tax

Sales tax7% (≈7% with local)
Property tax≈0.76% — 0.76% effective rate on owner-occupied housing — below the national average, around the middle-to-lower third of states.

Indiana paycheck FAQ

Do cities or counties in Indiana take a local income tax out of paychecks?

All 92 Indiana counties levy a local income tax (LIT), withheld by employers based on the employee's COUNTY OF RESIDENCE (not work county) as of Jan 1. 2026 county rates range roughly from 0.5% to 3.0%+. Six counties raised rates effective Jan 1, 2026. Marion (Indianapolis) ~2.02%, Hamilton ~1.1%, Allen ~1.59%. Official rates are in DOR Departmental Notice #1.

Does Indiana have a state income tax in 2026?

Yes — a flat 2.95% on taxable wages in 2026, on top of federal tax and FICA.

Compare a paycheck next door: Illinois, Ohio & Michigan

StateState income tax (2026)Take-home on $75,000 (single)
Indianaflat 2.95%$59,410
Illinoisflat 4.95%$58,025
Ohiotwo brackets, 0%–2.75%$59,914
Michiganflat 4.25%$58,656
Kentuckyflat 3.5%$59,085

Those are the states next door. To see where Indiana lands against all of them at once, our take-home pay by state study runs an identical salary at two levels, $75,000 and $100,000, through the 2026 rules of every state and DC, except Arizona, California, District of Columbia, Idaho, Maryland and Vermont, still on their 2025 tables, ranked from the most take-home pay to the least.

Illinois Ohio Michigan

All state paycheck calculators →

Data compiled and maintained by Edmond Daher · Updated 2026-08-02

Sources

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