Tax year 2026 · Updated October 4, 2026

Indiana Paycheck Calculator

Estimate Indiana take-home pay with your WH-4 exemptions and all 92 county rates. January 1 residence or principal workplace determines the county used for withholding.

Indiana paycheck calculator

Estimates for tax year 2026. Results update as you type.

Pay type

SalaryHourly

Annual salary (gross, before taxes)

Pay frequency

Filing status (Form W-4, Step 1)

Indiana WH-4 settings

Indiana certificate electionMatch an existing qualifying certificate. WH-47 leaves applicable county withholding in place. WH-4MIL removes both Indiana taxes. Federal and home-state withholding are separate; eligibility is not checked.

Residence county on January 1Use your WH-4 January 1 county. The example starts in Marion County. A later move does not change this year's county selection.

Applied county rate: 2.02%. Rates effective January 1, 2026.

Personal exemptions (WH-4 line 5)The total from lines 1–4, including dependents and any qualifying age/blindness exemptions.

Additional dependents (WH-4 line 6)Qualifying children already included in your personal exemption total.

First-time and adopted child exemptions

First-time children (WH-4 line 7)Children from line 6 eligible for the first-time additional exemption.

Adopted children (WH-4 line 8)Qualifying adopted children also included on line 6.

Extra state withholding (WH-4 line 9)

Extra county withholding (WH-4 line 10)

Extra amounts are dollars per paycheck agreed with your employer. Counts default to zero; use your current certificate. Temporary WH-4AFF waivers and interstate wage allocation are outside this estimate.

W-4 details, retirement and benefits

My current federal W-4 claims exemption

Use an existing qualifying election on Form W-4. Federal income-tax withholding, including extras, becomes $0. FICA and state deductions remain separate. Eligibility is not checked.

Step 2(c) box is checked (two jobs, or spouse also works)

Step 3: dependents credit (annual $)

$2,200 per qualifying child under 17, $500 per other dependent.

Step 4(c): extra withholding per paycheck

Step 4(a): other annual income

Step 4(b): deductions beyond the standard deduction

401(k) / 403(b) contribution

Percent of gross pay, pre-tax (traditional).

Health premiums, HSA, FSA per paycheck

Section 125 items also reduce Social Security and Medicare wages.

After-tax deductions per paycheck

Roth 401(k), union dues, garnishments.

Blank adjustments count as 0 unless another default is stated. Pay, hours and an active custom rate need a value; enter 0 when appropriate.

Estimated take-home pay every two weeks$1,823.38$47,407.80 per year · $3,950.65 per month

Indiana payroll withholding. The state income-tax line uses Indiana DN #1 and your WH-4 elections for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill.

Annual and monthly figures assume the entered pay repeats for a full year. Wage caps are averaged across those paychecks; year-to-date pay and deductions are not tracked.

Estimated tax share

21.0%

Federal marginal rate

12%

Indiana marginal income-tax rate

2.95%

Line	Per paycheck	Full-year projection
Gross pay	$2,307.69	$60,000.00
Pre-tax retirement	$0.00	$0.00
Health, HSA, FSA (pre-tax)	$0.00	$0.00
Federal income-tax withholding	$193.08	$5,020.00
Social Security (6.2%)	$143.08	$3,720.00
Medicare (1.45%)	$33.46	$870.00
Indiana withholding	$68.08	$1,770.08
Local income tax	$46.62	$1,212.12
After-tax deductions	$0.00	$0.00
Take-home pay	$1,823.38	$47,407.80

Estimated tax share is the displayed federal withholding, FICA, state/local tax estimate and state payroll deductions divided by gross pay. Benefit deductions are excluded from that share; it is not your final income-tax rate.

Federal withholding follows IRS Publication 15-T for a 2020-or-later W-4. Social Security applies to the first $184,500 of wages in 2026.

Compare a Indiana salary offer with your paystub

Enter annual gross salary and the employer's pay frequency. Every two weeks means 26 paychecks; twice a month means 24. Benefits entered per paycheck follow that choice.
Copy the elections from your current federal W-4 and the separate state certificate fields shown in the form. A job offer's salary alone does not establish withholding.
Enter your employee retirement and health deductions, then any after-tax deductions. Compare gross pay and each deduction line with a regular paystub before relying on the net estimate.
For a proposed raise, run both annual salaries with the same elections, pay frequency and benefit settings. Percentage-based retirement deductions change with salary. Keep one-off bonuses separate from regular annual salary.

A raise starting partway through the year affects fewer paychecks. The annual result here is a full year at the entered salary; it does not combine earlier wages or predict a refund. For household withholding and amounts already paid, use the IRS Tax Withholding Estimator.

How Indiana paycheck taxes work in 2026

Indiana’s 2026 regular-pay method uses 2.95% state withholding plus the applicable county rate. WH-4 line 5 personal exemptions are worth $1,000 each annually; line 6 additional dependents and line 7 first-time children are each worth $1,500; line 8 adopted children are worth $3,000. Enter each certificate count separately.

For each WH-4 line, divide its annual exemption total by the number of paychecks and round that deduction constant to cents. Add the four constants, subtract them from taxable pay, and apply the state and county rates separately. The first-time and regular dependent counts use separate rounded constants even though both have a $1,500 annual value. Extra state and county dollars are added to their respective lines.

Indiana 2026 income tax brackets
Rate	Single filers and joint filers
2.95%	over $0

Personal exemption: $1,000 per filer, $1,000 per dependent. Married filing separately and head of household use the single schedule in this estimate.

Local income taxes in Indiana

Use your Indiana county of residence on January 1. If you lived outside Indiana, use your principal Indiana work county on January 1. If both were outside Indiana, no county withholding is calculated. This tool uses the January 1, 2026 rate schedule and defaults to Marion County as an example.

Good to know. Indiana withholding uses the WH-4 line 5, 6, 7 and 8 counts separately. Each line's deduction constant is rounded to cents before the four are added. The remaining taxable pay is used for both the 2.95% state tax and the selected county tax. Both January 1 county selectors default to Marion County for the example. Indiana residence takes priority over workplace. Moving later in the year does not change the January 1 county selection; county rates can change in January and October. An existing qualifying WH-47 certificate removes state withholding only; county withholding can remain. WH-4MIL removes both Indiana state and county withholding. Federal W-4 exemption does not remove Indiana withholding. Home-state withholding is not added automatically. Counts default to zero; enter the values from your current certificate. Eligibility, nonresident-alien limits, interstate wage allocation, WH-4AFF temporary waivers, catch-up withholding and separately paid bonuses are outside this regular-pay estimate. Annual results project the selected current rules across steady paychecks.

Worked example: $60,000 salary in Indiana

A single filer earning $60,000 a year, paid every two weeks, with a standard W-4 and no pre-tax deductions, zero WH-4 exemption counts, Marion County residence on January 1, no certificate exemption and no extra state or county withholding, sees this estimate for each paycheck in 2026. These numbers are produced by the same engine as the calculator above, so they never drift from the tool.

Example bi-weekly paycheck breakdown in Indiana
Gross pay	$2,307.69
Federal income-tax withholding	$193.08
Social Security	$143.08
Medicare	$33.46
Indiana withholding	$68.08
Local income tax	$46.62
Take-home pay per paycheck	$1,823.38
Full-year take-home projection	$47,407.80
Estimated tax share of gross pay	21.0%

Comparing a raise or new offer? Use the pay raise calculator to find the percentage change and its federal-only paycheck effect, then compare both salaries above with your Indiana elections and deductions.

Indiana WH-4 example: state and county withholding

Departmental Notice #1 gives an $800 weekly example with five personal exemptions, three additional dependents, one first-time child and two adopted children. It uses a 1% county rate, which can be reproduced here by selecting Harrison County.

Indiana DN #1 weekly withholding example
Step	Amount
Personal deduction	$96.15
Additional dependent deduction	$86.54
First-time deduction	$28.85
Adopted-child deduction	$115.38
Total deductions	$326.92
Taxable weekly pay	$473.08
Indiana state withholding	$13.96
County withholding at 1%	$4.73

Your county follows January 1 residence, or principal workplace if residence was outside Indiana. The state and county use the same adjusted wage amount, but each tax and extra-withholding amount is calculated separately.

Use the actual counts on your WH-4 certificate. The first-time and adopted-child counts refer to children already on line 6 and can overlap. Personal exemptions on line 5 include the dependents listed earlier in the form. Eligibility and special nonresident rules need separate review.

The WH-47 reciprocal-state certificate covers qualifying residents of Kentucky, Michigan, Ohio, Pennsylvania and Wisconsin. Those calculators provide separate state estimates; home-state withholding is not included in the Indiana result.

All 92 county rates — effective January 1, 2026

Indiana county withholding rates effective January 1, 2026
County	Rate
Adams	1.6%
Allen	1.59%
Bartholomew	1.75%
Benton	1.79%
Blackford	2.5%
Boone	1.7%
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%

Federal taxes on every paycheck in 2026

Federal income tax withholding follows IRS Publication 15-T: your pay is annualised, adjusted for the entries on your Form W-4, reduced by the standard deduction built into the withholding tables ($16,100 single, $32,200 joint, $24,150 head of household), and run through the 2026 rate schedule below. Social Security is 6.2% of wages up to $184,500; Medicare is 1.45% of all wages plus 0.9% on wages above $200,000.

2026 federal income tax brackets by filing status
Rate	Single	Married filing jointly	Head of household
10%	$0 – $12,400	$0 – $24,800	$0 – $17,700
12%	$12,400 – $50,400	$24,800 – $100,800	$17,700 – $67,450
22%	$50,400 – $105,700	$100,800 – $211,400	$67,450 – $105,700
24%	$105,700 – $201,775	$211,400 – $403,550	$105,700 – $201,775
32%	$201,775 – $256,225	$403,550 – $512,450	$201,775 – $256,200
35%	$256,225 – $640,600	$512,450 – $768,700	$256,200 – $640,600
37%	over $640,600	over $768,700	over $640,600

Frequently asked questions

Does Indiana have state income tax?

Yes. Indiana has a flat income-tax rate of 2.95% for 2026. The state income-tax line uses Indiana DN #1 and your WH-4 elections for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill.

How much is taken out of a $1,000 paycheck in Indiana?

For a single filer paid $1,000 a week with no pre-tax deductions, zero WH-4 exemption counts, Marion County residence on January 1, no certificate exemption and no extra state or county withholding, this 2026 calculator estimates $204.28 in tax and state-program deductions: $78.08 federal withholding, $62.00 Social Security, $14.50 Medicare, $29.50 Indiana withholding, $20.20 local tax, leaving estimated take-home pay of $795.72. This assumes the same pay and elections throughout the year.

Which Indiana county rate should my paycheck use?

Use your Indiana county of residence on January 1. If you lived outside Indiana then, use your principal Indiana work county on January 1. If both were outside Indiana, no county withholding is calculated. A later move does not change that year’s county selection. County rates themselves can change in January and October; this tool states the rate schedule it uses.

Does Indiana have local income taxes?

Do WH-4 exemptions reduce both Indiana state and county withholding?

Yes. The personal, additional dependent, first-time and adopted-child deduction constants are subtracted before both rates are applied. Copy the counts from WH-4 lines 5–8. Lines 7 and 8 are subsets of the children on line 6; those categories can overlap. The calculator checks count consistency but does not determine eligibility.

Does a reciprocal-state certificate remove Indiana county tax?

A qualifying WH-47 certificate removes Indiana state withholding, but applicable county tax remains. A qualifying WH-4MIL certificate removes both Indiana state and county withholding. Federal exemption alone does not remove either Indiana tax. Use an existing valid certificate; home-state withholding is not added automatically.

Does this cover Indiana’s 30-day nonresident waiver?

No. Temporary WH-4AFF waivers, aggregate working-day counts, interstate wage allocation and catch-up withholding need separate treatment. This calculator estimates regular pay with the selected current elections and projects those paychecks over a year. It does not reconstruct changing eligibility or earlier withholding.

Are 401(k) contributions taxed in Indiana?

Qualifying traditional 401(k), 403(b) and similar pre-tax retirement contributions reduce federal and Indiana income-tax wages in this estimate. Social Security and Medicare still apply to those contributions; any local-tax or state-program wage rules are separate.

How do I calculate my hourly take-home pay in Indiana?

Switch the calculator to Hourly, enter your rate, hours per week and any overtime, and choose how often you are paid. The Indiana hourly paycheck calculator opens with those settings and shows the same federal, FICA and state breakdown.

Why is my actual paycheck different from this estimate?

The state income-tax line uses Indiana DN #1 and your WH-4 elections for regular pay. The annual amount projects those paycheck estimates over a year; it does not calculate your final state tax bill. The estimate assumes steady regular pay and the elections and deductions you enter. Employer rounding, variable pay, year-to-date wage caps, benefit coverage and local-tax rules can produce different deductions. Compare gross pay and each deduction line with your paystub before using the net figure for budgeting. It does not predict a refund or balance due.

Paycheck calculators for other states

Sources and updates

Figures are for tax year 2026 and were checked against the sources below on September 5, 2026. Tax rules and rates can change. Each calculator identifies the method and limitations used.

This calculator gives estimates for information only and is not tax, legal or financial advice. Your employer's payroll system, local taxes, benefits and year-to-date wages can change the exact amounts on your pay stub. See how we calculate.