Introduction
This free Indiana paycheck calculator shows you how much money you take home after taxes and deductions. Indiana has a flat state income tax rate of 2.95% for 2026, and each county has its own local income tax rate on top of that.1 When you add federal income tax, Social Security, and Medicare, it can be hard to figure out your actual pay on your own.
This tool runs the calculation for you. Enter your wage or salary, pick your pay frequency, choose your county, and set your W-4 details. The calculator handles both salaried and hourly workers, including overtime. It also accounts for pre-tax deductions like 401(k) contributions and health insurance, plus post-tax deductions like Roth 401(k) or wage garnishments.
Your results include a full breakdown of federal tax, Indiana state tax, county tax, and FICA withholdings. You also get a step-by-step explanation of how each number is calculated, along with a chart that shows exactly where your gross pay goes. Use it to plan your budget, compare job offers, or check that your paycheck stub is correct.
How to Use Our Indiana Paycheck Calculator
Enter your pay details, tax filing info, and any deductions below. The calculator will estimate your Indiana take-home pay, total taxes, and a full breakdown for each paycheck.
Employment Type: Pick "Salaried" if you earn a fixed salary or "Hourly" if you are paid by the hour.
Gross Pay: If salaried, type your total pay before taxes. Then choose whether that amount is your annual salary or your pay for one pay period.
Hourly Wage: If hourly, enter your regular pay rate per hour.
Regular Hours / Period: Enter how many regular hours you work each pay period.
Overtime Rate: Click "Add Overtime" to enter your overtime hourly rate. It starts at 1.5 times your hourly wage and changes with the wage until you type your own rate.
Overtime Hours / Period: Enter how many overtime hours you work each pay period.
Pay Frequency: Select how often you get paid, such as weekly, bi-weekly, semi-monthly, or monthly.
Gross Pay YTD: Enter your total gross earnings so far this year before this paycheck. This helps track the Social Security wage cap.
Check Date: Enter the date of the paycheck you want to calculate.
W-4 Version: Choose "Yes (2020+)" if you filled out a W-4 form from 2020 or later. Choose "No (2019 or earlier)" if your W-4 is from before 2020.
Filing Status: Pick the tax filing status that matches your W-4 form, such as Single, Married Filing Jointly, or Head of Household.
Multiple Jobs (Step 2): Turn this on if you checked the box in Step 2(c) of your W-4. That box is for when there are only two jobs in total, counting your spouse's job if you are married filing jointly.5
Dependents Amount: Enter the total dollar amount from W-4 Step 3 for child and dependent tax credits per year.
Other Income: Enter any yearly income not from jobs, as listed on W-4 Step 4a.
Deductions (Step 4b): Enter the yearly amount from Step 4(b) of your W-4. It comes from the W-4 Deductions Worksheet and covers deductions other than the basic standard deduction, such as itemized deductions and the deductions for qualified tips, overtime pay and seniors.5
Additional Federal Withholding: Enter any extra dollar amount you want withheld from each paycheck for federal taxes.
Federal Allowances: If using a pre-2020 W-4, enter the number of allowances from Line 5 of your old form.
Round Federal Withholding: Leave this on to round your federal tax to the nearest dollar, or turn it off for an exact amount.
State Allowances: Enter the personal exemptions claimed on line 5 of your Indiana WH-4, including exemptions for age 65 or older and blindness. Each one reduces taxable income by $1,000.1
Additional State Allowances: Enter the qualifying dependent exemptions claimed on line 6 of your WH-4, plus any first-time dependent exemptions claimed on line 7. Each one reduces taxable income by $1,500.1
Adopted Child Exemptions: Enter the adopted dependent exemptions claimed on line 8 of your WH-4. Each one reduces taxable income by $3,000.1
Additional State Withholding: Enter any extra flat dollar amount you want withheld per paycheck for Indiana state tax.
County of Residence: Select the Indiana county you lived in on January 1. If you lived outside Indiana on January 1, select the Indiana county where you mainly worked on that date.1 Use the filter box to quickly find your county.
Additional Local Withholding: Enter any extra flat dollar amount you want withheld per paycheck for county tax.
Pre-Tax Deductions: Enter amounts for benefits like medical insurance, dental, vision, 401(k), HSA, FSA, and others. For each one, choose "Fixed $" for a flat dollar amount or "% of Gross" for a percentage of your gross pay.
Post-Tax Deductions: Enter amounts for after-tax items like Roth 401(k), wage garnishments, or charitable contributions. Click "Add Deduction" to add more lines as needed.
Tax Exemptions: Toggle on any tax you are exempt from. That tax will be set to zero in your results.
Calculate Button: Press "Calculate" to see your results. The tool will show your estimated take-home pay, a full tax breakdown, a pie chart, and a step-by-step explanation of how each number was found.
How the Indiana Paycheck Calculator Works
This Indiana paycheck calculator shows you how much money you take home after taxes and deductions are pulled from your paycheck. You enter your gross pay (the full amount you earn before anything is taken out), and the calculator does the rest. It subtracts federal income tax, Indiana state income tax, your county tax, Social Security, Medicare, and any other deductions you set up. The amount left over is your net pay, the money that actually hits your bank account.
Taxes That Come Out of Your Indiana Paycheck
Every worker in Indiana has several taxes taken from each paycheck. Federal income tax is based on your W-4 form, your filing status, and how much you earn. The more you make, the higher your tax bracket. Indiana state income tax is a flat rate of 2.95% for 2026, which means everyone pays the same percentage no matter how much they earn.1 On top of that, every Indiana county also charges a county income tax.1 The rate follows the county where you live on January 1.1 If you live outside Indiana on that date, the county where you mainly work applies.1 For 2026 the lowest county rate is in Porter County and the highest is in Randolph County.1 Those rates are 0.5% and 3%.
You also pay Social Security tax at 6.2% on wages up to $184,500 in 2026 and Medicare tax at 1.45% on all wages.2 Once your wages pass $200,000 in a year, your employer withholds an extra 0.9% Medicare tax.2
Pre-Tax and Post-Tax Deductions
Many workers have deductions beyond taxes. Pre-tax deductions like health insurance, 401(k) contributions, and HSA contributions are taken out before income tax is calculated. This lowers your taxable income, so you pay less income tax. Health insurance premiums and HSA contributions made through your employer's cafeteria plan also lower the wages that Social Security and Medicare tax are figured on, but 401(k) contributions do not.7 Post-tax deductions like Roth 401(k) contributions or wage garnishments are taken out after taxes. They do not reduce your tax bill, but they still lower the amount you take home.
Understanding Your W-4 and WH-4 Forms
Your federal tax withholding depends on the W-4 form you gave your employer. If you filled out a W-4 in 2020 or later, it uses a newer system based on dependents, other income, and extra deductions. Older W-4 forms from 2019 or before use allowances instead. If you checked the box in Step 2 of a newer W-4, your employer subtracts no standard deduction and uses the Step 2 checkbox tax table, which withholds more.4 For Indiana state taxes, the WH-4 form controls your state and county withholding. Each personal exemption on the WH-4 is worth $1,000 a year, and each qualifying dependent exemption is worth $1,500.1 An adopted child exemption is worth $3,000.1 These allowances reduce the amount of state and county tax withheld from your pay.
Why Your County Matters in Indiana
Indiana has 92 counties, and each one sets its own local income tax rate. This tax is based on where you live as of January 1 of the tax year.1 If you move to a different county after January 1, your county for tax purposes does not change until the next calendar year.6 This is a big deal because the difference between the lowest and highest county rate can mean hundreds of dollars per year. Always make sure your employer has the correct county listed on your WH-4 so the right amount is withheld.