# Indiana Paycheck Calculator

Last updated October 22, 2026FreeNo signupFormula shown

Enter your pay, how often you are paid, the exemptions on your Form W-4 and Indiana Form WH-4, and your county, and this Indiana paycheck calculator shows your 2026 take-home pay. It follows the Department of Revenue's method, 2.95% for the state and your county's rate on what is left after your exemptions, and works out the employer's side of the bill under it.

State

IndianaHow it is figuredIndiana takes $1,000 for each personal exemption and $1,500 for each dependent off the year's pay, then withholds 2.95% for the state and your county's rate on what is left.

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I'm paid

SalaryHourly

Yearly salary (USD)

Pay frequencyWeekly (52 paychecks a year)Every two weeks (26 a year)Twice a month (24 a year)Monthly (12 a year)

Filing status on Form W-4Single or married filing separatelyMarried filing jointlyHead of household

Indiana withholding

Personal exemptions on Form WH-4 (line 5)

$1,000 each: 1 for you, 1 for a spouse who does not claim their own, and 1 more for each of you who is 65 or older or blind.

Additional dependent exemptions on Form WH-4 (lines 6 and 7)

$1,500 each, for every dependent you claim an exemption for.

County income taxNo county selectedAdams County, 1.6%Allen County, 1.59%Bartholomew County, 1.75%Benton County, 1.79%Blackford County, 2.5%Boone County, 1.71%Brown County, 2.5234%Carroll County, 2.4733%Cass County, 2.95%Clark County, 2%Clay County, 2.35%Clinton County, 2.65%Crawford County, 1.65%Daviess County, 1.5%Dearborn County, 1.4%Decatur County, 2.45%DeKalb County, 2.13%Delaware County, 1.5%Dubois County, 1.2%Elkhart County, 2%Fayette County, 2.82%Floyd County, 1.89%Fountain County, 2.1%Franklin County, 1.7%Fulton County, 2.88%Gibson County, 1.3%Grant County, 2.75%Greene County, 2.35%Hamilton County, 1.1%Hancock County, 1.94%Harrison County, 1%Hendricks County, 1.7%Henry County, 2.02%Howard County, 2.35%Huntington County, 1.95%Jackson County, 2.1%Jasper County, 2.864%Jay County, 2.5%Jefferson County, 1.03%Jennings County, 2.5%Johnson County, 1.4%Knox County, 1.7%Kosciusko County, 1%LaGrange County, 1.65%Lake County, 1.5%LaPorte County, 1.45%Lawrence County, 1.75%Madison County, 2.25%Marion County, 2.02%Marshall County, 1.25%Martin County, 2.5%Miami County, 2.54%Monroe County, 2.14%Montgomery County, 2.65%Morgan County, 2.72%Newton County, 1%Noble County, 1.75%Ohio County, 2%Orange County, 1.75%Owen County, 2.5%Parke County, 2.65%Perry County, 1.4%Pike County, 1.2%Porter County, 0.5%Posey County, 1.45%Pulaski County, 2.85%Putnam County, 2.3%Randolph County, 3%Ripley County, 2.38%Rush County, 2.15%St. Joseph County, 1.75%Scott County, 2.16%Shelby County, 1.7%Spencer County, 0.8%Starke County, 1.71%Steuben County, 1.99%Sullivan County, 1.7%Switzerland County, 1.45%Tippecanoe County, 1.28%Tipton County, 2.6%Union County, 2.75%Vanderburgh County, 1.25%Vermillion County, 1.5%Vigo County, 2%Wabash County, 2.9%Warren County, 2.12%Warrick County, 1%Washington County, 2%Wayne County, 1.25%Wells County, 2.1%White County, 2.32%Whitley County, 1.6829%

The county you lived in on January 1 of the tax year, or the county you work in if you lived out of state that day.

Form W-4 steps 2 to 4

Step 2 box is checked

Two jobs with similar pay, or both spouses work.

Children under 17

Step 3: $2,200 each.

Other dependents

Step 3: $500 each.

Other income per year

Step 4(a).

Deductions per year

Step 4(b).

Extra withholding each paycheck (USD)

Step 4(c).

401(k), % of pay

2026 limit $24,500.

Health premiums per paycheck

Pre-tax.

HSA per paycheck

2026 limit $8,750.

Take-home pay per paycheck

$1,871.13

$2,307.69 gross · $436.56 withheld (18.9%)

teampredict.ai/tools/paycheck-calculator/indiana

Where this paycheck goes

Gross pay

$2,307.69

Federal income taxW-4 methodIRS Publication 15-T (2026) percentage method, worked from your Form W-4 entries.

\- $193.08

Social Security6.2%To $184,500Social Security tax stops once your pay for the year reaches the $184,500 wage base.

\- $143.08

Medicare1.45%

\- $33.46

Additional Medicare0.9%Over $200,000Withheld on pay above $200,000 in a calendar year, whatever your filing status.

\- $0.00

Indiana income taxState methodIndiana takes $1,000 for each personal exemption and $1,500 for each dependent off the year's pay, then withholds 2.95% for the state and your county's rate on what is left.

\- $66.94

401(k)Pre-taxSkips federal income tax, but Social Security and Medicare still apply.

\- $0.00

Health premiumsPre-taxThrough a cafeteria plan, these skip income tax, Social Security and Medicare.

\- $0.00

HSA

\- $0.00

Take-home pay$1,871.13

Over the year, 26 paychecks

Gross pay

$60,000

Taxes

\- $11,351

Pre-tax deductions

\- $0

Share kept

81.1%

Take-home pay$48,649

Copy resultsCopy link

_Figure: Bar chart of the year's gross pay of $60,000. Federal income tax: $5,020; Social Security: $3,720; Medicare: $870; Indiana income tax: $1,740; Take-home pay: $48,649._

_Figure: Line chart of yearly take-home pay against gross pay, from $0 to $100,000, with the same filing status and deductions as the calculator. The dashed line is gross pay. At $60,000 gross, take-home is $48,649._

## This pay costs the employer $64,870 a year, $2,494.98 each pay period.

What the employer adds, per year

Employer Social Security6.2% to $184,500

$3,720

Employer Medicare1.45%

$870

Federal unemployment (FUTA)0.6% of the first $7,000No credit cut6.0% less a 5.4% credit. The Labor Department's September 2026 list of states that may lose part of that credit names only California and the Virgin Islands.

$42

Indiana unemployment2.5% of the first $9,500New employer rateA new Indiana employer pays 2.5% in 2026 on the first $9,500 of each employee's pay.

$238

Employer taxes$4,870

Total cost of the employee

Gross pay

$60,000

Employer taxes

\+ $4,870

Per pay periodYearly averageUnemployment taxes stop at their wage bases, so the first paychecks of the year cost more than the last.

$2,494.98

Per year$64,870

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## Indiana withholds 2.95% for the state and your county's rate, after $1,000 for each exemption on your WH-4.

Departmental Notice #1 says the 2026 state adjusted gross income tax rate for individuals is 2.95%. Your employer takes $1,000 a year off your pay for each personal exemption on line 5 of the WH-4, $1,500 for each additional dependent exemption on lines 6 and 7, divided across the paychecks, then multiplies the rest by the state rate and again by the rate of your county. There are no brackets and no filing status: two workers on the same pay differ only by exemptions and by county.

## A $60,000 Indiana salary takes home $1,871.13 every two weeks before county tax.

The calculator opens on this case: a single employee with 1 exemption on the WH-4 and a standard Form W-4, paid every two weeks, with no county selected and no pre-tax deductions.

-   Gross pay: $60,000 ÷ 26 = $2,307.69
-   Federal income tax: $193.08
-   Indiana income tax: ($2,307.69 − $38.46) × 2.95% \= $2,269.23 × 2.95% = $66.94
-   Social Security: 6.2% × $2,307.69 = $143.08; Medicare: 1.45% = $33.46
-   Take-home pay: $1,871.13 a paycheck, $48,649.44 a year

_Figure: Bar chart for a single employee on a $60,000 salary, paid every two weeks, with 1 exemption and no county tax, paid 26 times a year. Federal income tax: $5,020 · 8.4%; Social Security: $3,720 · 6.2%; Medicare: $870 · 1.4%; Indiana income tax: $1,740 · 2.9%; Take-home pay: $48,649 · 81.1%._

A single employee on a $60,000 salary, paid every two weeks, with 1 exemption and no county tax. Invented example. Each tax is rounded to the cent in every paycheck, as payroll does.

## Your county adds 0.5% to 3% of the same pay, which is $11.35 to $68.08 a paycheck here.

All 92 Indiana counties charge an income tax, set by the county and listed in Notice #1. It is figured on the same taxable pay as the state tax. In Marion County, where Indianapolis is, the rate is 2.02%, which takes $45.84 from the $60,000 example and leaves $1,825.29. Pick the county in the calculator to see yours.

_Figure: Bar chart of the income tax withheld from one biweekly paycheck on a $60,000 salary, single, by county of residence: No county tax: $66.94 state and $0.00 county; Porter County, 0.5%: $66.94 state and $11.35 county; Hamilton County, 1.1%: $66.94 state and $24.96 county; Allen County, 1.59%: $66.94 state and $36.08 county; Marion County, 2.02%: $66.94 state and $45.84 county; Randolph County, 3%: $66.94 state and $68.08 county._

Invented example: a $60,000 salary, single, paid every two weeks, with 1 exemption on Form WH-4.

## The county is the one you lived in on January 1, or the one you work in if you live out of state.

Both the county of residence and the county of principal work are fixed on January 1 of the tax year, so moving to a county with a different rate in March changes nothing until the next January. An employee who lives outside Indiana on that date but works in an Indiana county is withheld at that county's rate. Notice #1 also lets an employer skip state and county tax for some out-of-state employees who will work in Indiana 30 days or less (the rules are in the questions below), and Indiana does not follow the federal allowance for no withholding.

## Each exemption on the WH-4 keeps $1,000 of pay from tax, which is worth $1.14 of state tax a paycheck.

$1,000 divided across 26 paychecks is $38.46, so one exemption lowers the state tax by $1.14 a paycheck and a county tax of 2.02% by another $0.78. A dependent exemption on line 6 is worth $1,500 a year: two of them lower the state tax by $3.40 a paycheck. The saving is the same at every pay level, because the rate is flat.

_Figure: Bar chart of the Indiana income tax withheld from one biweekly paycheck on a $60,000 salary, single, with 0 exemptions: $68.08; 1 exemptions: $66.94; 2 exemptions: $65.81; 3 exemptions: $64.67; 5 exemptions: $62.40._

Invented example: a $60,000 salary, single, paid every two weeks, with no county tax. Each exemption is $1,000 of pay a year.

## Indiana withholds on the wages federal tax is withheld on, so a 401(k) lowers the tax.

Notice #5 says an employer that must withhold federal tax must withhold Indiana state and local tax from the employee's wages, so the pay the state taxes is the same pay as for federal withholding. A 401(k) deferral of 6% on the $60,000 example is $138.46 a paycheck, and it lowers Indiana withholding by $4.08. Social Security and Medicare still apply to a 401(k) deferral, but not to health premiums or an HSA contribution made through a cafeteria plan.

_Figure: Bar chart of the tax withheld from one biweekly paycheck on a $60,000 salary, single: Federal tax, no 401(k): $193.08; Federal tax, 6% 401(k): $176.46; Indiana tax, no 401(k): $66.94; Indiana tax, 6% 401(k): $62.86._

Invented example: a $60,000 salary, single, paid every two weeks. 6% of pay is $138.46 a paycheck.

## Hiring that employee costs $64,870 a year in Indiana.

On top of the $60,000, the employer matches Social Security and Medicare at 6.2% and 1.45%, which is $4,590. It pays federal unemployment tax of 0.6% on the first $7,000, which is $42; Indiana is not on the Labor Department's list of states with a 2026 credit reduction. A typical new Indiana employer pays unemployment tax at 2.5% on the first $9,500 of pay, which is $237.50 a year per employee. The employee pays nothing toward it.

_Figure: Bar chart of the employer's taxes on an employee on a $60,000 salary: Employer Social Security $3,720; Employer Medicare $870; Indiana unemployment $238; Federal unemployment (FUTA) $42. Together $4,870, for a total cost of $64,870 a year._

An employee on a $60,000 salary. Indiana unemployment is the 2026 new-employer rate of 2.5% on the first $9,500.

## Take-home pay in Indiana runs from $33,170 on $40,000 to $109,396 on $150,000.

For a single employee with 1 exemption and no county tax, paid every two weeks. Choose a county in the calculator to take its tax out of every row. For the neighbor to the north, see the [Michigan paycheck calculator](https://www.teampredict.ai/tools/paycheck-calculator/michigan).

Take-home pay in Indiana for a single employee on a standard Form W-4, paid every two weeks, with no pre-tax deductions. Indiana taxes are its income tax.

Salary

Federal tax

Social Security and Medicare

Indiana taxes

Take-home a year

Every two weeks

$40,000

$2,620

$3,060

$1,151

$33,170

$1,275.75

$50,000

$3,820

$3,825

$1,446

$40,910

$1,573.45

$60,000

$5,020

$4,590

$1,740

$48,649

$1,871.13

$75,000

$7,670

$5,738

$2,183

$59,409

$2,284.98

$100,000

$13,170

$7,650

$2,921

$76,259

$2,933.05

$150,000

$24,734

$11,475

$4,396

$109,396

$4,207.52

## Methodology & sources

The formula this calculator uses is shown in full above, and every assumption is an input you control. There are no hidden industry presets. All math runs in your browser; nothing you enter is stored or sent to a server. For the reasoning behind the formula and its edge cases, see:

-   [IRS Publication 15-T (2026): Federal Income Tax Withholding Methods, Percentage Method Tables for Automated Payroll Systems](https://www.irs.gov/pub/irs-pdf/p15t.pdf)
-   [IRS Publication 15 (2026), Employer's Tax Guide: Social Security wage base of $184,500, Medicare, FUTA, 401(k) and cafeteria plan treatment](https://www.irs.gov/pub/irs-pdf/p15.pdf)
-   [IRS Form W-4 (2026): Step 3 credits of $2,200 and $500](https://www.irs.gov/pub/irs-pdf/fw4.pdf)
-   [IRS Topic 751: Social Security and Medicare withholding rates, Additional Medicare Tax over $200,000](https://www.irs.gov/taxtopics/tc751)
-   [IRS Instructions for Form 940: FUTA tax of 6.0% less a credit of up to 5.4%, on the first $7,000](https://www.irs.gov/instructions/i940)
-   [U.S. Department of Labor: FUTA credit reductions, potential 2026 list (California and the Virgin Islands)](https://oui.doleta.gov/unemploy/futa_credit.asp)
-   [IRS: 401(k) limit of $24,500 for 2026](https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500)
-   [IRS Rev. Proc. 2025-19: 2026 HSA limits of $4,400 and $8,750](https://www.irs.gov/pub/irs-drop/rp-25-19.pdf)
-   [U.S. Department of Labor, Fact Sheet #23: overtime at time and one-half over 40 hours in a workweek](https://www.dol.gov/agencies/whd/fact-sheets/23-flsa-overtime-pay)
-   [Indiana Department of Revenue: Departmental Notice #1 (R47 / 10-26), how to compute withholding for state and county income tax, the 2.95% state rate, the exemption tables and the rate of each of the 92 counties](https://www.in.gov/dor/files/dn01.pdf)
-   [Indiana Department of Workforce Development: rate computation (premiums on the first $9,500, a typical new employer rate of 2.50%, rates from 0.50% to 7.40%)](https://www.in.gov/dwd/indiana-unemployment/employers/employer-guide/rate-computation/)
-   [U.S. Department of Labor: Significant Provisions of State Unemployment Insurance Laws, effective January 2026 (taxable wage base and new employer rate by state)](https://oui.doleta.gov/unemploy/content/sigpros/2020-2029/January2026.pdf)
-   [Indiana Department of Revenue: Departmental Notice #5, Reporting Employee Income Taxes Withheld (employers who must withhold federal tax must withhold Indiana state and local tax)](https://www.in.gov/dor/files/dn05.pdf)

## Frequently asked questions

How does Indiana work out the income tax taken from my paycheck?

The Department of Revenue's Departmental Notice #1 sets a state rate of 2.95% for 2026 and a county rate for each of the 92 counties. Your employer takes the exemptions on your Form WH-4 off the paycheck, multiplies what is left by the state rate and again by your county's rate, and withholds both. For a $60,000 salary with 1 exemption paid every two weeks, that is $2,307.69 less $38.46, $2,269.23, times 2.95%, $66.94 for the state. 2.02% for Marion County adds $45.84.

How much is $60,000 a year after tax in Indiana?

For a single employee who claims 1 exemption on the WH-4 and is paid every two weeks, a $60,000 salary takes home $1,871.13 a paycheck with state tax only, or $48,649.44 a year. In Marion County, which is Indianapolis, the county tax of $45.84 a paycheck brings it to $1,825.29, or $47,457.60 a year. The state-only year's taxes are $5,020.08 of federal income tax, $1,740.44 of Indiana income tax, $3,720.08 of Social Security and $869.96 of Medicare.

How much is $20 an hour after tax in Indiana?

At 40 hours a week and weekly pay, $20 an hour is $800.00 gross and $661.69 take-home a week for a single employee with 1 exemption and no county tax. That is $54.08 of federal income tax, $23.03 of Indiana income tax, $49.60 of Social Security and $11.60 of Medicare. Pick your county in the calculator to add its tax, and switch to hourly to type your own hours, including overtime.

Which Indiana county's tax is taken from my paycheck?

The county you lived in on January 1 of the tax year. If you lived outside Indiana on January 1 but your principal place of work or business was in an Indiana county that day, it is the county where you work. The rates run from 0.5% in Porter County to 3% in Randolph County, and a county can change its rate, which the Department publishes in Departmental Notice #1.

What do I put on the Indiana Form WH-4?

Line 5 is your personal exemptions at $1,000 each in 2026, and it includes extra ones when you or your spouse are 65 or older or blind. Line 6 is $1,500 for each qualifying dependent, line 7 adds $1,500 for each first-time additional dependent, and line 8 is $3,000 for each adopted child, which this calculator does not take. On the $60,000 example, 0 exemptions withhold $68.08 of state tax a paycheck against $66.94 with 1 and $65.81 with 2. Indiana does not follow the federal allowance for no withholding.

How does Indiana tax a bonus?

For a one-time payment such as a bonus check, the Department says to compute withholding without exemptions: the state rate of 2.95% plus the employee's county rate on the whole payment. This calculator treats all pay as regular pay, and the bonus tax calculator works out the bonus case.

Does Indiana withhold if I work there for only a few days?

Not always. An employer is not required to withhold state or county tax on an employee who will work in Indiana for 30 days or less in the year, if a time and attendance system records the out-of-state work location, and an employee can hand in Form WH-4AFF to be relieved until they have worked in Indiana for more than 30 days. The days worked for a previous employer in Indiana count toward the 30, and the allowance does not apply to anyone who is or becomes an Indiana resident during the year.

What does a 401(k), an HSA or a health plan do to my Indiana paycheck?

Indiana's withholding follows the federal rule: Notice #5 says employers who must withhold federal tax under the Internal Revenue Code must withhold Indiana state and local tax from the employee's wages. This calculator therefore takes a 401(k) deferral, health premiums through a cafeteria plan and HSA contributions through one out of the pay before it applies the state and county rates. Putting 6% of a $60,000 salary into a 401(k) ($138.46 a paycheck) cuts Indiana withholding by $4.08 and take-home pay by only $117.76. A $100 HSA contribution a paycheck cuts Indiana withholding by $2.95.

Who pays unemployment tax in Indiana, and how much is it?

The employer does, to the Department of Workforce Development, and nothing comes out of your paycheck for it. The Department's typical new employer rate is 2.5% on the first $9,500 of each employee's pay, which is $237.50 a year per employee, with rates from 0.50% to 7.40% once an employer has its own record. Indiana is not on the Labor Department's list of states with a 2026 federal credit reduction.

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## Keep reading

[Michigan Paycheck Calculator The neighbor to the north: a flat 4.25% after $5,900 for each exemption on the MI-W4. Read more](https://www.teampredict.ai/tools/paycheck-calculator/michigan)

[Ohio Paycheck Calculator The neighbor to the east: three rates, 1.6%, 2.99% and 3.4%, after $650 for each exemption on the IT 4. Read more](https://www.teampredict.ai/tools/paycheck-calculator/ohio)

[Bonus Tax Calculator What the flat 22% rate or the combined method and each state withhold from a bonus, and how much you keep. Read more](https://www.teampredict.ai/tools/bonus-tax-calculator)