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Indiana Take-Home Pay Calculator: 2.95% State + County Tax (2026)

Indiana's flat state rate fell to 2.95% for 2026 and hits 2.9% in 2027 — but every one of Indiana's 92 counties adds its own income tax on top. Estimate your 2026 take-home pay after federal tax, FICA, and Indiana state tax below.

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$

Net annual pay

$76,230

Net monthly pay

$6,353

Net biweekly pay

$2,932

Tax breakdown

CategoryAmount% of income
Federal Income Tax$13,17013.2%
Social Security$6,2006.2%
Medicare$1,4501.5%
State Income Tax$2,9503.0%
Total tax$23,77023.8%

Effective tax rate: 23.8%. Marginal federal rate: 22.0%. Marginal state rate: 3.0% in Indiana.

Where your money goes

Estimates for informational purposes only — not tax advice. Excludes pre-tax contributions, credits, and local income taxes.

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See how Indiana's take-home pay ranks against another state.

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Example: take-home pay on common salaries in Indiana

Single filer, 2026 standard deduction, no pre-tax contributions or credits. Computed by the same engine as the calculator above.

Gross salary Federal tax FICA Indiana tax Net annual pay Effective rate
$75,000 $7,670 $5,738 $2,213 $59,380 20.8%
$100,000 $13,170 $7,650 $2,950 $76,230 23.8%

How Indiana taxes your income in 2026

Indiana's flat state rate is 2.95% for 2026, the latest step in a phase-down from 3.23% (2023) that ends at 2.9% in 2027. Indiana offers no standard deduction; instead it provides personal exemptions of $1,000 per person (plus $1,500 per dependent), so nearly all wages are exposed to the flat rate. This calculator models only the state portion — see the county tax note below.

The county tax most calculators skip

All 92 Indiana counties levy a local income tax, ranging from about 0.5% to nearly 3% depending on the county — Marion County (Indianapolis) is around 2%, and a few rural counties exceed 2.5%. The rate is based on your county of residence or work. In practice, the combined state-plus-county rate for most Hoosiers lands between 4% and 5.5%. On the upside, Social Security benefits are exempt, and Indiana's sales tax is a clean 7% statewide with no local add-ons.

What this calculator includes (and excludes)

This estimate covers federal income tax, FICA, and Indiana's 2.95% state tax. It does not include county income taxes (which can add 0.5%–3% depending on where you live), the small personal exemptions, military or civil-service pension deductions, or credits. Your actual take-home pay will be somewhat lower than shown once county tax is applied. Figures are estimates for planning purposes, not tax advice.

Frequently asked questions

What is the Indiana income tax rate in 2026? ▼
The flat state rate is 2.95% for 2026, down from 3.05% in 2025. It falls to 2.9% in 2027 under Indiana's scheduled phase-down.
Does Indiana have county income taxes? ▼
Yes — all 92 counties levy their own income tax, typically 0.5%–3%. Marion County (Indianapolis) is about 2%. This calculator shows the 2.95% state tax only, so budget for the county rate too.
Does Indiana tax Social Security benefits? ▼
No. Social Security benefits are fully exempt from Indiana income tax. Indiana also offers deductions for military and certain civil-service pensions.
How much is $75,000 after taxes in Indiana? ▼
A single filer earning $75,000 pays roughly $2,213 in Indiana state income tax and takes home about $59,380 per year after federal tax, FICA, and state tax — before county tax, which adds roughly $375–$2,250 depending on your county. See the example table above.
Does Indiana have a standard deduction? ▼
No. Indiana uses personal exemptions instead — $1,000 per taxpayer and spouse, $1,500 per dependent — which are much smaller than the federal standard deduction.

Data sources

Reviewed by the PayFigi research team. Last verified: 2026-07-27. These figures are estimates for informational purposes only and are not tax advice; consult a tax professional for advice specific to your situation.