This Indiana paycheck calculator estimates your 2026 take-home pay after federal income tax, Social Security, Medicare, Indiana income tax and county income tax. Indiana’s flat rate fell to 2.95% in 2026.
Indiana income tax in 2026
| Item | 2026 amount |
|---|---|
| State tax rate | 2.95% flat (down from 3.00%) |
| Personal exemption | $1,000 each for you and your spouse |
| Dependent exemption | $1,000 plus an additional $1,500 per dependent |
| County income tax | Set by each county, typically about 1% to 3% |
2026 federal taxes on every paycheck
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 | $17,701 – $67,450 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 | $67,451 – $105,700 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 | $105,701 – $201,750 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 | $201,751 – $256,200 |
| 35% | $256,226 – $640,600 | $512,451 – $768,700 | $256,201 – $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
The 2026 federal standard deduction is $16,100 single, $32,200 married filing jointly and $24,150 head of household. Social Security is 6.2% of wages up to $184,500, and Medicare is 1.45% of all wages plus 0.9% on wages over $200,000.
Worked example
A single employee earning $75,000, paid every two weeks, with 5% going to a 401(k) and $2,400 a year in pre-tax health premiums in Indiana takes home about $2,075.38 per paycheck, or $53,960 a year (using the local rate shown in the calculator).
Indiana county taxes
Every Indiana county levies a local income tax, applied to the same taxable income as the state tax. Your rate depends on the county where you lived on 1 January (or where you work, if you live outside Indiana). Check the Indiana Department of Revenue’s county tax rate list and enter your rate in the calculator.
How to raise your take-home pay
- Check your federal Form W-4 and Indiana withholding form so you are not over-withheld.
- Use pre-tax benefits such as a health savings account (HSA) or flexible spending account.
- Remember that 401(k) contributions lower your paycheck today but also lower your taxable income.
Frequently asked questions
What is the Indiana income tax rate for 2026?
2.95%, down from 3.00% in 2025, plus your county’s income tax.
How much are Indiana county income taxes?
They vary by county, usually between about 1% and 3%.
What exemptions does Indiana allow?
$1,000 each for you and your spouse, and $2,500 in total for each dependent ($1,000 plus an additional $1,500).
How do I change my withholding?
Give your employer a new federal Form W-4 and, if needed, a new Indiana withholding certificate. The IRS Tax Withholding Estimator can help you choose the right entries.
Related calculators
Sources
- USDA NFC: Indiana 2026 withholding change (2.95%)
- Indiana Department of Revenue
- IRS Revenue Procedure 2025-32 (2026 federal brackets)
Last reviewed: October 2026. For information only; not financial, tax or legal advice. Results are estimates.