Indiana paycheck calculator, 2026
Indiana pairs a flat state rate with a county income tax that is anything but flat — all 92 counties set their own, and the rate that applies is determined by where you lived on January 1, not where you live now or where you work. That New Year snapshot is the single most misunderstood thing about an Indiana paycheck, and it can mean two people in the same office pay noticeably different county tax.
The Indiana withholding rate, 2026
2.95%applied to taxable wages
Indiana works this out from a formula rather than a bracket table, so the amount withheld depends on what your state form says as well as what you earn. These are the steps the calculation actually takes:
- Subtract all WH-4 annual exemption deductions and floor at zero
- Apply Indiana's 2.95% state rate; county withholding is calculated by a separately selected local ruleset
What the Indiana withholding form asks for
| Field | What it does | Where it appears |
|---|---|---|
| WH-4 personal exemptions | $1,000 annual deduction for each personal exemption. | Indiana Form WH-4, line 5 |
| WH-4 qualifying dependent exemptions | $1,500 annual deduction for each qualifying dependent exemption. | Indiana Form WH-4, line 6 |
| WH-4 first-time dependent exemptions | $1,500 annual deduction for each first-time qualifying dependent exemption. | Indiana Form WH-4, line 7 |
| WH-4 adopted-child exemptions | $3,000 annual deduction for each qualifying adopted child. | Indiana Form WH-4, line 8 |
Local taxes in Indiana
These are levied on top of the state tax and are not included in a headline state rate. They are the usual reason two Indiana paychecks with the same salary differ.
Indiana county income tax
County selection is fixed by January 1 residence. An employee living outside Indiana on January 1 instead uses the January 1 principal place of work county.
Indiana DOR publishes all 92 rates. NFC-26-1775234392 independently confirms the formula but prints only nine supported county rates; the complete DOR table is therefore flagged needsVerification.
The 30-day nonresident employee exception requires workday history and a filed WH-4AFF and is not inferred by this ruleset.
Source: Indiana Department of Revenue, Departmental Notice #1 (R46 / 01-26), read 2026-07-19
Take-home pay in Indiana by salary
Single filer, paid every two weeks, no pre-tax deductions, 2026 rates. Change any of those in the calculator.
| Salary | Take-home (year) | Per paycheck | Total tax rate |
|---|---|---|---|
| $35,000 | $29,270.02 | $1,125.77 | 16.4% |
| $40,000 | $33,140.12 | $1,274.62 | 17.1% |
| $45,000 | $37,009.70 | $1,423.45 | 17.8% |
| $50,000 | $40,880.32 | $1,572.32 | 18.2% |
| $55,000 | $44,750.16 | $1,721.16 | 18.6% |
| $60,000 | $48,619.74 | $1,869.99 | 19.0% |
| $65,000 | $52,490.10 | $2,018.85 | 19.2% |
| $70,000 | $56,010.24 | $2,154.24 | 20.0% |
| $75,000 | $59,379.84 | $2,283.84 | 20.8% |
| $80,000 | $62,749.70 | $2,413.45 | 21.6% |
| $85,000 | $66,120.08 | $2,543.08 | 22.2% |
| $90,000 | $69,489.94 | $2,672.69 | 22.8% |
| $95,000 | $72,860.06 | $2,802.31 | 23.3% |
| $100,000 | $76,229.92 | $2,931.92 | 23.8% |
| $110,000 | $82,969.90 | $3,191.15 | 24.6% |
| $120,000 | $89,710.14 | $3,450.39 | 25.2% |
| $130,000 | $96,286.06 | $3,703.31 | 25.9% |
| $140,000 | $102,825.84 | $3,954.84 | 26.6% |
| $150,000 | $109,366.14 | $4,206.39 | 27.1% |
| $200,000 | $142,066.08 | $5,464.08 | 29.0% |
Notes and caveats
- Indiana county income tax is calculated separately when a January 1 residence or principal-work county is selected.
Sources
Every figure on this page is transcribed from a published source and carries the date it was read. Where two sources disagree, the disagreement is recorded rather than resolved silently.
- NFC-26-1774379018, Indiana State Income Tax Withholding (Effective Pay Period 05, 2026) — read 2026-07-19 · cross-checked against Indiana Department of Revenue, Departmental Notice #1, Effective January 1, 2026 (R46 / 01-26)
- personalAllowance — NFC-26-1774379018, Indiana State Income Tax Withholding , Withholding Formula, step 5 · read 2026-07-19
- dependentAllowance — NFC-26-1774379018, Indiana State Income Tax Withholding , Withholding Formula, step 6 · read 2026-07-19
- adoptedChildAllowance — NFC-26-1774379018, Indiana State Income Tax Withholding , Withholding Formula, steps 6b-7 · read 2026-07-19
This is an estimate of payroll withholding, not tax advice, and not a prediction of your final tax bill. Withholding is what your employer sends in during the year; what you actually owe is settled when you file.