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Indiana Paycheck Calculator 2026: County + State Tax

Indiana Paycheck Calculator

This Indiana paycheck calculator shows where your money goes in 2026. Indiana charges a flat 2.95% state income tax plus a county income tax that changes with where you live, so two people with the same salary can take home different amounts. Pick your county, estimate your pay, then build a pay stub from the same numbers.

  • Indiana's 2.95% state tax, cut from 3.0%
  • Your county income tax, picked from all 92 counties
  • Federal tax, Social Security and Medicare for 2026
  • See how much your county changes your take-home

2026 figures checked against the Indiana DOR Departmental Notice #1 and IRS. Last updated September 2026.

Estimated Take-Home Pay

$3,954.81
Gross Pay$5,000.00
Federal Income Tax-$418.33
Indiana State Tax (2.95%)-$145.04
Marion County Tax (2.02%)-$99.32
FICA (Social Security & Medicare)-$382.50
Net Pay$3,954.81

Example: $60,000 salary, single filer, Marion County (Indianapolis), paid monthly, 2026 rates. Effective rate about 20.9 percent.

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Why your Indiana county changes your paycheck

Most state paycheck calculators stop at the state rate. Indiana can't, because every one of its 92 counties charges its own income tax, deducted from your check based on where you live on January 1. For 2026 those rates run from about 0.5% in Porter County to 2.72% in Morgan County, on top of the 2.95% state rate. That means your real Indiana rate is anywhere from about 3.45% to 5.67%, and a generic calculator that ignores the county is off by hundreds of dollars a year. This one lets you pick your county, and itemizes it like a real pay stub.

Calculate Your Indiana Take-Home Pay for 2026

Salary or hourly, any pay schedule, and pick your county. It applies the 2026 IRS federal brackets, Indiana's 2.95% state tax, your county income tax, and 7.65% FICA. It updates as you type.

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estimated take-home pay per paycheck

Want these numbers on a document? Turn this estimate into an Indiana pay stub with the same 2026 math, preview before you download.

How this calculator works: it applies the 2026 IRS federal brackets, 7.65 percent FICA (Social Security to the $184,500 wage base plus Medicare), Indiana's 2.95 percent state tax, and your county income tax from Departmental Notice #1, both on income after the $1,000 exemption. County tax is based on where you live on January 1. Treat it as a close estimate.

Same Salary, Different County: What It Costs in 2026

Here's the part no flat-rate calculator shows. Take one $60,000 single-filer salary and change only the county. The county tax alone swings by over $1,300 a year, and it comes straight out of your paycheck. Figures use this site's verified 2026 Indiana engine.

CountyCounty rateCombined state + countyCounty tax / yearTake-home / year
Porter0.50%3.45%$295$48,354
Hamilton1.10%4.05%$650$47,999
Marion (Indianapolis)2.02%4.97%$1,192$47,458
Morgan2.72%5.67%$1,605$47,045
$1,310 swing in county tax on the same salary, Porter vs Morgan Based on residence, your county on January 1, not where you work

Indiana Take-Home Pay Examples for 2026

What common salaries keep in Indiana for 2026, single filer in Marion County (Indianapolis), using the 2.95% state rate and the 2.02% county rate. Your own county rate shifts these a little; use the calculator above for your exact county. These are the same numbers the calculator prints.

Annual salarySingle: per yearSingle: per monthSingle: biweeklyMarried joint: per year
$40,000$32,382$2,698$1,245.45$34,271
$50,000$39,920$3,327$1,535.37$42,009
$60,000$47,458$3,955$1,825.30$49,687
$75,000$57,915$4,826$2,227.49$60,994
$100,000$74,260$6,188$2,856.14$79,839
$120,000$87,336$7,278$3,359.07$94,915
State rate 2.95%, cut from 3.0%, heading toward 2.9% $7.25 minimum wage, Indiana follows the federal floor

How to Calculate Your Indiana Paycheck

1Start with gross payYour salary per pay period, or hourly rate times hours, plus time and a half for overtime past 40 hours.
2Remove pre-tax deductions401(k) and health premiums come out first and lower the income that gets taxed, state and county.
3Apply federal, state, county and FICA2026 federal brackets, then Indiana's 2.95% state tax and your county rate after the exemption, plus 7.65% FICA.
4What's left is take-homeYour county rate is the swing factor, so the same salary lands differently across Indiana.

You don't have to do this by hand. The paystub generator runs every line and puts it on a downloadable stub. If your check looks smaller than expected, our guide to why paychecks come out low explains where it goes.

How Indiana Paycheck Taxes Work

Indiana has two layers of state-level income tax, and the second one trips up most calculators. The first is the state rate, a flat 2.95% for 2026, down from 3.0% the year before and on a legislated path toward 2.9%. It's the same rate for everyone, with no brackets. The second is the county income tax, and this is what makes Indiana different: all 92 counties levy their own rate, from about 0.5% to 2.72% for 2026, and it's withheld based on the county where you lived on January 1. So a $60,000 earner in Marion County keeps about $47,458, while the same salary in low-tax Porter County keeps roughly $896 more.

Indiana doesn't use the federal standard deduction. It gives a $1,000 personal exemption per person, plus amounts for dependents, and both the state and county tax apply to what's left. Because that exemption is small, nearly all of your income is taxed at the combined state-plus-county rate. Pre-tax deductions like a 401(k) or a health premium still come off first, lowering both the state and county tax.

Hourly Pay and the Minimum Wage

An hourly wage gets annualized first. Indiana follows the federal minimum wage of $7.25 an hour, with no state increase scheduled, though most employers pay well above it. At $22 an hour, 40 hours a week is about $45,760 a year, and a single filer in Marion County at that rate nets close to $1,415 on a biweekly check after federal tax, the state and county taxes and FICA. The gap between one check and your year-to-date totals is explained in our guide to current vs YTD on a pay stub.

Overtime in 2026: Indiana taxes overtime as regular wages, so both the state and county rates apply to it. The only break is federal: the deduction of up to $12,500 of overtime premium ($25,000 joint, through 2028) claimed on your federal return. Your W-2 carries the amount, explained in our guide to overtime on the W-2.

Indiana Paycheck FAQ

How much is taken out of a paycheck in Indiana?
Indiana takes federal income tax, a flat 2.95% state income tax, a county income tax that depends on where you live, and 7.65% FICA. A single filer earning $60,000 in Marion County in 2026 keeps about $47,458 a year, roughly a 20.9% effective rate. The county piece is what makes Indiana unusual: your take-home changes with your county, not just your income.
What is Indiana's state income tax rate for 2026?
Indiana has a flat 2.95% state income tax for 2026, down from 3.0% in 2025, the same rate for every filer. It's part of a multi-year cut heading toward 2.9%. Some calculators still show the old 3.0% or 3.05% rate. On top of the state rate, every Indiana county adds its own income tax.
How does Indiana county income tax work?
Every one of Indiana's 92 counties sets its own income tax, and it comes out of your paycheck based on the county where you live on January 1. Rates for 2026 run from about 0.5% in Porter County to 2.72% in Morgan County. It's charged on the same income as the state tax, so your real Indiana rate is 2.95% plus your county rate. Use the county selector in the calculator to see yours.
How much is $60,000 after taxes in Indiana?
About $47,458 a year for a single filer in Marion County (Indianapolis) in 2026, close to $3,955 a month or $1,825 on a biweekly check, after federal tax, the 2.95% state tax, the 2.02% county tax and FICA. In a low-tax county like Porter, the same salary keeps about $48,354. Married filing jointly in Marion keeps about $49,687.
Which Indiana county has the lowest income tax?
Among the larger counties, Porter County is one of the lowest at 0.5% for 2026, while Morgan County is among the highest at 2.72%. On a $60,000 salary that's a difference of about $1,310 in county tax a year, purely based on where you live. The county selector on this page lets you compare.
Does Indiana use the federal standard deduction?
No. Indiana doesn't use the federal standard deduction. It gives a $1,000 exemption per person, plus more for dependents, and taxes the rest at the state and county rates. Because the exemption is small, most of your income is taxed, so the combined Indiana rate applies to nearly all your pay.
How much is $75,000 after taxes in Indiana?
About $57,915 a year for a single filer in Marion County in 2026, roughly $4,826 a month or $2,227 biweekly, at an effective rate near 22.8%. The state and county tax together take about $3,900 of that. Your figure changes with your county, so check yours in the calculator above.
What is Indiana's minimum wage in 2026?
Indiana's minimum wage is $7.25 an hour in 2026, the same as the federal floor, and it hasn't changed in years. Most Indiana employers pay above it in a competitive labor market, but there's no scheduled state increase. Overtime past 40 hours a week is paid at time and a half.
How much is $50,000 after taxes in Indiana?
About $39,920 a year for a single filer in Marion County (Indianapolis) in 2026, close to $3,327 a month or $1,535 on a biweekly check, after federal tax, the 2.95% state tax, the 2.02% county tax and FICA. In a lower-tax county your take-home is a little higher. Married filing jointly in Marion keeps about $42,009.
How much is $100,000 after taxes in Indiana?
A single filer in Marion County keeps about $74,260 a year in 2026, close to $6,188 a month, at an effective rate near 25.7%. The state and county tax together take about $4,000 of that. Your figure shifts with your county, so check yours with the county selector above.
What is the Marion County income tax rate for 2026?
Marion County, which is Indianapolis, has a 2.02% local income tax for 2026. Combined with Indiana's 2.95% state rate, a Marion County resident pays about 4.97% in state and local income tax on their Indiana taxable income, on top of federal tax and FICA.
Do I pay Indiana county tax where I live or where I work?
Where you live. Indiana county income tax is based on the county you resided in on January 1 of the tax year, not the county where your job is. If you move, your county rate for withholding generally changes the next January 1. Your employer uses your Form WH-4 county of residence to withhold the right rate.
Which Indiana county has the highest income tax?
Among the more populous counties for 2026, Morgan County is one of the highest at 2.72%, followed by counties like Grant and Union at 2.75%. On a $60,000 salary, Morgan's rate means about $1,605 in county tax a year, versus about $295 in low-rate Porter County, a difference of roughly $1,310 purely from where you live.
How is overtime taxed in Indiana?
Indiana taxes overtime as regular wages, so both the 2.95% state rate and your county rate apply to it, along with federal tax and FICA. There's no separate Indiana overtime rate. The only break is federal: the deduction of up to $12,500 of overtime premium ($25,000 joint, through 2028) claimed on your federal return, with the amount shown on your W-2.

Turn your Indiana estimate into a pay stub

Enter your pay and county, and the generator runs the full 2026 Indiana math, the 2.95% state tax, your county tax and FICA. Preview it, then download when it looks right.

Create an Indiana Pay Stub →

Disclaimer: Estimates are for education, based on 2026 Indiana and federal rates and Departmental Notice #1 county rates. Indiana tax depends on your county, exemptions and deductions; your actual pay depends on your W-4, Indiana Form WH-4 and benefits. This isn't tax advice; confirm with the Indiana Department of Revenue or a tax professional.

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