How much will I take home on a $50,000 salary in Indiana?

On a $50,000 annual salary in Indiana filing single with no extra deductions, the estimated 2026 take-home is roughly $40,830 per year (about $1,570 per biweekly check).

How do I calculate my Indiana paycheck?

Start with gross pay, subtract any pre-tax deductions (401(k), HSA, health insurance), apply the 2026 federal brackets, apply Indiana's state income tax, then withhold FICA at 6.2% Social Security (up to $184,500) + 1.45% Medicare.

What taxes come out of a Indiana paycheck?

Federal income tax, Indiana state income tax, Social Security (6.2%), and Medicare (1.45% with an extra 0.9% above $200,000 in wages). Optional pre-tax deductions reduce taxable income.

Is this Indiana paycheck calculator updated for 2026?

Yes — federal brackets, the $184,500 Social Security wage base, standard deductions, and Indiana's listed state rates all reflect 2026 values per IRS Revenue Procedure 2025-32 and the OBBBA (July 2025) updates.

How does pay frequency change my Indiana take-home pay?

Your annual tax bill is the same whether you're paid weekly (52), biweekly (26), semimonthly (24), or monthly (12) — the calculator annualizes gross wages and then divides the net back out. Per-check take-home differs slightly because federal withholding tables round each period and FICA stops mid-year once you hit the $184,500 Social Security wage base. On a $50,000 Indiana salary the ~$40,830 annual net works out to about $785 weekly, $1,570 biweekly, $1,701 semimonthly, or $3,403 monthly.

What counts as taxable income on a Indiana paycheck?

Taxable wages are your gross pay minus qualifying pre-tax deductions — 401(k) / 403(b) traditional contributions, HSA, FSA, and Section 125 health, dental, and vision premiums. That reduced amount is what federal and Indiana state income tax is calculated on. FICA (Social Security + Medicare) still applies to 401(k) contributions but not to Section 125 health premiums or HSA. Post-tax deductions (Roth 401(k), garnishments, life insurance) do not lower taxable income — they just reduce net pay.

Who should use this Indiana salary paycheck calculator?

Anyone paid W-2 wages in Indiana who wants a fast estimate of net take-home: salaried employees comparing offers, hourly workers planning shifts and overtime, job seekers negotiating salary, HR and payroll professionals sanity-checking a check, and people budgeting for a move to or from Indiana. It handles single, married filing jointly, and head-of-household filers with pre-tax 401(k), HSA, and health deductions. It is an estimate — not a substitute for Form W-4 or your state withholding certificate or a CPA.

What is Indiana Form WH-4?

Form WH-4 (Employee's Withholding Exemption and County Status Certificate) is Indiana's state-level equivalent of the federal Form W-4. It tells your Indiana employer how many personal and dependent exemptions to use for the flat 3.05% Indiana state withholding (IC 6-3-2-1), and — critically — which county's Local Income Tax (LIT) rate to withhold under IC 6-3.6. Every Indiana employee must file a WH-4; without one, the employer must withhold at zero exemptions.

How much does the WH-4 personal exemption (Line 5) save on my Indiana paycheck?

Each personal exemption on Line 5 is $1,000 of Indiana taxable wages. At Indiana's flat 3.05% state rate, one personal exemption saves roughly $30.50 per year in state tax (about $1.17 per biweekly paycheck). County LIT rates apply on top of state tax, so a county with a 2% LIT effectively saves another $20 per exemption per year.

How much is the WH-4 dependent exemption (Line 6)?

Line 6 grants a $1,500 dependent exemption per qualifying dependent (plus $1,500 additional first-time dependent exemption in some cases). At the 3.05% flat rate this saves about $45.75 per year in Indiana state tax per dependent, plus your county LIT rate applied to $1,500.

What is the Indiana "January 1" county tax rule?

Under IC 6-3.6-2-2, the county Local Income Tax (LIT) rate that applies for the entire tax year is fixed by the county where you lived (or, if you were a non-resident, where you principally worked) on January 1 of that tax year. If you move to a different Indiana county on January 2, your LIT rate does NOT change until the following January 1. This is why WH-4 asks for your county of residence and county of principal work as of January 1.

I live in another state but work in Indiana — which county LIT rate applies?

Under IC 6-3.6-8-3, your Indiana employer withholds Indiana state tax at 3.05% plus the non-resident LIT rate for the Indiana county where you principally work. Non-resident LIT rates are lower than resident rates in most counties (e.g., Marion resident 2.02% vs non-resident ~0.4055%; Lake resident 1.50% vs non-resident 0.50%).

Does Indiana have reciprocity with other states?

Yes. Indiana has income-tax reciprocity with Kentucky, Michigan, Ohio, Pennsylvania, and Wisconsin. Residents of those states who work in Indiana file Form WH-47 (Certificate of Residence) with their Indiana employer so no Indiana state tax is withheld. However, Indiana county LIT is still owed on Indiana-earned wages regardless of reciprocity — reciprocity covers state tax only.

How is Indiana withholding handled for remote or hybrid workers?

Indiana taxes residents on all wages regardless of where the work is performed. Non-residents are taxed only on the portion of wages earned while physically working in Indiana; the employer withholds Indiana state tax and county LIT on the Indiana-work portion. Employers must re-run WH-4 within 10 days of a residency, county, or filing-status change (IC 6-3-4-8.1).

What are Forms WH-1 and WH-3?

Form WH-1 is the Indiana employer's monthly (or semi-annual, quarterly, or early-filer) withholding remittance return, filed and paid through INTIME to the Indiana Department of Revenue. Form WH-3 is the annual Indiana withholding reconciliation, due January 31 and reporting total state and county tax withheld for each employee.

How much do I take home on a $60,000 or $75,000 salary in Indiana?

Estimated Indiana state-and-federal net (single filer, no pre-tax deductions, 2026 rates, before county LIT): $60,000 gross → about $48,560/year (~$1,868 biweekly); $75,000 gross → about $59,305/year (~$2,281 biweekly). Subtract another 0.5%–3.38% of gross for your resident (or non-resident work) county LIT under IC 6-3.6 — Marion 2.02%, Lake 1.50%, Allen 1.59%, Hamilton 1.10%.

Which states have wage-tax reciprocity with Indiana?

Under IC 6-3-5-1, Indiana has reciprocal wage-tax agreements with Kentucky, Michigan, Ohio, Pennsylvania, and Wisconsin. Residents of those five states who work in Indiana file Indiana Form WH-47 (Certificate of Residence) with the Indiana employer so no 3.05% Indiana state income tax is withheld. Illinois is NOT an Indiana reciprocity partner.

Live in Kentucky and work in Indiana — what do I file?

File Indiana Form WH-47 with your Indiana employer to stop 3.05% Indiana state tax withholding. Indiana county LIT still applies at the non-resident rate. Reverse commuters (IN residents working in KY) file Kentucky Form 42A809 (Certificate of Nonresidence). Louisville Metro and other Kentucky county occupational license fees (0.45%–2.5%) are NOT waived by reciprocity.

Live in Michigan and work in Indiana — what do I file?

File Indiana Form WH-47 with your Indiana employer. Indiana county LIT still applies at the non-resident rate. Indiana residents working in Michigan file Form MI-W4 marking line 8 non-resident. Michigan city income tax (Detroit 2.4%/1.2%, Grand Rapids 1.5%/0.75%, and 22 other cities) is NOT covered by reciprocity and must be handled with the city's DW-4 / GRW-4 / CF-W4.

Live in Ohio and work in Indiana — what do I file?

File Indiana Form WH-47 with your Indiana employer to stop 3.05% state withholding. Indiana county LIT still applies at the work-county's non-resident rate. Indiana residents working in Ohio file Ohio Form IT-4NR (Statement of Residency). Ohio municipal income tax (RITA/CCA cities up to 3.0% — Columbus, Cleveland, Cincinnati, Dayton) still applies to the work city and is not waived.

Live in Pennsylvania and work in Indiana — what do I file?

File Indiana Form WH-47 with your Indiana employer. Indiana county LIT still applies at the non-resident rate. Indiana residents working in Pennsylvania file Form REV-419 (Employee's Nonwithholding Application). PA Local Earned Income Tax (~1%) and the Philadelphia Wage Tax (3.75% resident / 3.44% non-resident) are separate local taxes and NOT covered by reciprocity.

Live in Wisconsin and work in Indiana — what do I file?

File Indiana Form WH-47 with your Indiana employer. Indiana county LIT still applies at the non-resident rate. Indiana residents working in Wisconsin file Form W-220 (Nonresident Employee's Withholding Certificate). Wisconsin has no municipal income tax, so once WI state withholding stops there is no additional local tax on the work side.

Can an Illinois resident use WH-47 to avoid Indiana withholding?

No. Illinois is not an Indiana reciprocity partner. An Illinois resident working in Indiana owes both the 3.05% Indiana state tax AND Indiana county LIT at the work-county's non-resident rate. Claim a credit for taxes paid to Indiana on Illinois Schedule CR to prevent double-taxation on the IL-1040.

I live in Indiana and work in Kentucky — how do I stop KY withholding?

File Kentucky Form 42A809 (Certificate of Nonresidence) with your Kentucky employer. They will stop withholding Kentucky's 4.0% state income tax, and you'll owe only Indiana's 3.05% state tax plus your Indiana county LIT. Ask your employer to withhold Indiana tax voluntarily, or make estimated payments. Louisville Metro's occupational license fee (2.2%) and other KY county occupational taxes are NOT covered by reciprocity — those still apply on the work-side.

I live in Ohio and work in Indiana — does reciprocity waive Indiana county LIT?

No — reciprocity only waives the 3.05% Indiana state income tax. File Indiana Form WH-47 to stop state withholding, but Indiana county LIT under IC 6-3.6 continues to be withheld at your work-county's non-resident rate (IC 6-3.6-8-3). For example, an Ohio resident working in Marion County still pays Marion County's non-resident LIT component. Ohio taxes your wages at your bracket (0.75%–2.75%), and Ohio municipal income tax on the OH residence side does not overlap with Indiana county LIT.

I live in Indiana and work in Ohio — is Ohio municipal tax covered by reciprocity?

No. Indiana ↔ Ohio reciprocity covers only the Ohio STATE income tax. File Ohio Form IT-4NR with your Ohio employer to exempt wages from Ohio state withholding. But Ohio municipal income tax (RITA/CCA cities up to 3.0% — Columbus, Cleveland, Cincinnati, Dayton) still applies to the work city and is not waived. You owe Indiana's 3.05% + Indiana county LIT + Ohio municipal tax on those wages.

I live in Michigan and work in Indiana — what form do I file and what still applies?

File Indiana Form WH-47 with your Indiana employer. This stops the 3.05% Indiana state tax withholding. You continue to owe Indiana county LIT at the work-county's non-resident rate — that is never waived by reciprocity. On the Michigan side, your Michigan employer would normally withhold MI's 4.25% flat tax; because you're not working in Michigan, MI withholding is not triggered, but you still file MI-1040 and pay Michigan state tax on all wages as a Michigan resident.

I live in Indiana and work in Michigan — what about Detroit or Grand Rapids city tax?

File Michigan Form MI-W4 and claim non-resident status so Michigan stops withholding the 4.25% state tax. You'll owe only Indiana's 3.05% + Indiana county LIT. But Michigan CITY income tax is NOT covered by the IN-MI reciprocity agreement — if you work in Detroit (2.4% resident / 1.2% non-resident), Grand Rapids (1.5% / 0.75%), or any of the 24 Michigan cities that levy income tax, you file the city's DW-4 / GRW-4 / CF-W4 and the city tax still applies.

I live in Pennsylvania and work in Indiana — does Philadelphia wage tax follow me?

File Indiana Form WH-47 with your Indiana employer to stop the 3.05% Indiana state tax. Indiana county LIT still applies at the work-county's non-resident rate. Pennsylvania taxes your wages at PA's flat 3.07% as a PA resident. Philadelphia Wage Tax follows a residency rule — if you're a Philadelphia resident, the resident rate (3.75%) applies to all wages regardless of where earned; the wage tax is separate from PA state tax and not waived by IN-PA reciprocity.

I live in Indiana and work in Pennsylvania — how do I stop PA withholding and handle EIT?

File Pennsylvania Form REV-419 (Employee's Nonwithholding Application) with your PA employer to stop the 3.07% PA state income tax withholding. You'll owe Indiana's 3.05% + Indiana county LIT. Pennsylvania Local Earned Income Tax (EIT, roughly 1% in most municipalities) and the Philadelphia Wage Tax (3.75% resident / 3.44% non-resident) are separate local taxes NOT covered by reciprocity — the non-resident Philadelphia rate still applies to wages earned inside Philadelphia city limits.

I live in Wisconsin and work in Indiana — is anything simpler than the other reciprocity states?

Yes. File Indiana Form WH-47 to stop the 3.05% Indiana state tax. Indiana county LIT still applies at the non-resident rate. Wisconsin has NO municipal income tax, so once you're back on the WI side of the border there's no additional local layer to worry about — just Wisconsin's graduated state income tax (3.50%–7.65%) on your Wisconsin return.

I live in Indiana and work in Wisconsin — what form do I file?

File Wisconsin Form W-220 (Nonresident Employee's Withholding Reciprocity Declaration) with your Wisconsin employer. WI stops withholding its graduated state tax (3.50%–7.65%), and you owe only Indiana's 3.05% + Indiana county LIT on those wages. Because Wisconsin has no city income tax, there's no additional local liability on the WI work side.

Why does Indiana county LIT still apply when I claim reciprocity on WH-47?

Reciprocity under IC 6-3-5-1 waives only Indiana's 3.05% state adjusted gross income tax (IC 6-3-2-1). Indiana county LIT is a separate tax authorized under IC 6-3.6 (CAGIT, COIT, CEDIT, Public Safety LIT, Special Purpose LIT). Non-Indiana residents working in an Indiana county are subject to that county's non-resident LIT rate under IC 6-3.6-8-3, which is typically the CEDIT-only portion — usually a fraction of the resident rate but never zero.

I live in Illinois and work in Indiana — can I use WH-47?

No. Illinois is NOT an Indiana reciprocity partner. Indiana's reciprocity is limited to Kentucky, Michigan, Ohio, Pennsylvania, and Wisconsin. An Illinois resident working in Indiana owes both the 3.05% Indiana state tax AND Indiana county LIT at the work-county's non-resident rate. You claim a credit for taxes paid to Indiana on Illinois Schedule CR to avoid double-taxation on your IL-1040.

How often do I need to re-file Form WH-47?

File a new Indiana Form WH-47 within 10 days of any change in residency status. If you move from Kentucky to Illinois, for example, WH-47 no longer applies and your Indiana employer must resume withholding the 3.05% state tax. WH-47 remains on file with the employer until residency or reciprocity status changes; the Indiana Department of Revenue may request a copy during audit.

Does WH-47 waive federal income tax or FICA?

No. WH-47 is a state-level reciprocity certificate only. Federal income tax withholding continues under IRS Form W-4, and FICA (Social Security 6.2% up to the 2026 wage base + Medicare 1.45% + 0.9% Additional Medicare on wages over $200,000) is unaffected by any state reciprocity agreement.

I work from home in Indiana for an employer in a non-reciprocity state — does WH-47 help?

No — WH-47 is filed with an INDIANA employer to stop Indiana state withholding for a non-Indiana resident. If you work from home in Indiana for an out-of-state employer, you are performing services in Indiana and Indiana treats those wages as Indiana-source (see Indiana DOR Info Bulletin #28). Your employer may need to register for Indiana withholding, or you can make estimated payments on Form ES-40 to cover the 3.05% state tax + your Indiana county LIT.

WH-4 Line 1 — how does county of residence on January 1 affect my paycheck?

Line 1 asks for the two-digit code of the Indiana county where you lived on January 1 of the tax year. Under IC 6-3.6-2-2 that county's resident LIT rate applies to ALL of your Indiana wages for the entire year — even if you move mid-year. Example: you lived in Hamilton County (1.100%) on January 1, then moved to Marion County (2.020%) in March. Your employer keeps withholding at Hamilton's 1.100% resident rate for the rest of the year; the extra Marion tax kicks in only on January 1 of the next tax year. If Line 1 is blank or wrong, the employer defaults to the non-resident rate of your work county, which is usually higher for Indianapolis/Marion but lower for a few counties — either way, the return reconciles on IT-40 at year-end.

WH-4 Line 2 — what does county of principal work on January 1 do?

Line 2 is the two-digit code of the Indiana county where you physically worked most days as of January 1. It only matters if Line 1 is 00 (out-of-state resident) — in that case the employer withholds Indiana state 3.05% plus the Line 2 county's non-resident LIT rate on all Indiana-source wages (IC 6-3.6-8-3). If you're an Indiana resident (Line 1 is a real county code), Line 2 is ignored for withholding but is still required on the form.

WH-4 Line 4 — how much does each personal exemption reduce Indiana tax?

Line 4 is the total number of personal exemptions you're claiming. Indiana grants $1,000 per exemption for 2026 under IC 6-3-1-3.5 — one for yourself, one for your spouse if filing jointly, and one for each dependent you claim on your federal return. Each exemption reduces Indiana state-taxable wages by $1,000, worth $30.50/yr of state tax and roughly $10–$34/yr of county LIT (depending on your county rate). A single filer with no dependents typically claims 1; married filing jointly with two kids claims 4 ($4,000 total, ≈ $122/yr state savings).

WH-4 Line 5 — what is the additional dependent-child exemption?

Line 5 adds an EXTRA $1,500 per qualifying dependent child claimed on Line 4 (IC 6-3-1-3.5(d)) — this is Indiana's dependent-child bonus, on top of the $1,000 personal exemption. So each dependent child under 19 (or 24 if a full-time student) is worth $2,500 total in Indiana exemptions, saving about $76.25/yr of state tax plus county LIT. Do NOT count the same child on both Line 4 and Line 5 as separate exemptions — Line 5 is the ADDITIONAL amount for dependents already listed on Line 4.

WH-4 Line 6 — should I ask for additional Indiana state tax withheld?

Line 6 lets you request extra Indiana STATE tax withheld from each paycheck. Add $10–$25/paycheck here if you have significant non-wage income (interest, dividends, rental, RSU vesting, side gigs) or if you and a spouse both work — Indiana's flat 3.05% does not self-adjust for a second household income the way federal brackets try to. A safer rule of thumb: divide your expected April state balance due by remaining pay periods and enter that on Line 6. Line 6 covers state tax ONLY; it does NOT increase county LIT withholding.

WH-4 Line 7 — how do I request additional Indiana county tax withheld?

Line 7 is the county-specific twin of Line 6 — extra COUNTY LIT withheld from each paycheck. This matters most for high earners in low-withholding situations (e.g. you were an Indiana resident on January 1 but work out of state, or you have large non-wage income sourced to your resident county). Enter a per-paycheck dollar amount; the employer remits it to DOR with your state withholding on Form WH-1.

WH-4 Line 8 (exempt) — when am I exempt from Indiana withholding?

Check the exempt box on Line 8 ONLY if you meet BOTH tests under IC 6-3-4-8(e): (1) you had zero Indiana income-tax liability last year, AND (2) you expect zero Indiana income-tax liability this year. Common cases: full-time students earning under the filing threshold, or a resident of a reciprocity state (KY, MI, OH, PA, WI) working in Indiana who files Form WH-47 (Certificate of Residence) instead. Otherwise, leave Line 8 blank — checking it wrongly is a Class B infraction and creates a large April balance due.

The January 1 rule — what if I move counties mid-year?

Under IC 6-3.6-2-2, your county LIT rate is locked to the county where you were a resident on January 1 of the tax year. Moving in February, June, or December does not change your withholding rate until the NEXT January 1. Practical impact: someone who moved from Hamilton County (1.100%) to Marion County (2.020%) on February 1 saves about $552/yr on a $60,000 salary for that first year, because Hamilton's lower rate stays in force. File a new WH-4 with your employer showing the new county code as of January 1 of the following year.

I live out of state but work in Indiana — which county rate applies?

If Line 1 of your WH-4 is 00 (not an Indiana resident on January 1), your employer withholds Indiana 3.05% state tax plus the NON-RESIDENT LIT rate of your Line 2 principal-work county under IC 6-3.6-8-3. Non-resident rates typically equal the resident rate MINUS the CEDIT (County Economic Development Income Tax) component — usually about 0.10%–0.25% lower than the resident rate. Example: Marion County resident rate is 2.020%; the non-resident rate withheld from an Illinois resident working in Indianapolis is roughly 1.62%. Verify the current non-resident rate in DOR Departmental Notice #1 each October.

Does Indiana have reciprocity with neighboring states for paycheck withholding?

Yes — Indiana has income-tax reciprocity agreements with five states: Kentucky, Michigan, Ohio, Pennsylvania, and Wisconsin. Residents of those states who work in Indiana file Form WH-47 (Certificate of Residence) with their Indiana employer, and the employer stops withholding the 3.05% Indiana STATE tax — the wages are taxed only by the worker's home state. However, reciprocity does NOT cover Indiana county LIT: the employer must still withhold the non-resident LIT rate of the Indiana work county. A Kentucky resident working in Marion County (Indianapolis) pays Kentucky state tax + Marion non-resident LIT (~1.62%) but $0 Indiana state tax. Form WH-47: https://forms.in.gov/Download.aspx?id=2333 .

Indiana Paycheck Calculator 2026 — IN 3.05% Flat Tax + County LIT (WH-4, Hourly & Salary)

How much do I take home in Indiana?

In Indiana, take-home pay equals gross wages minus federal income tax, Indiana’s flat 3.05% state income tax (IC 6-3-2-1, withheld per Form WH-4 with the Indiana Department of Revenue), a separate Indiana county income tax (LIT) of roughly 0.5%–3.38% under IC 6-3.6 (CAGIT / COIT / CEDIT), 6.2% Social Security (up to the $184,500 wage base in 2026), and 1.45% Medicare. The county rate that applies is the rate for the county where you lived on January 1 of the tax year; if you lived out of state on January 1 but worked in Indiana, your employer withholds the non-resident county rate for your Indiana county of principal work (IC 6-3.6-8-3). On a $60,000 salary, state-and-federal net (before county LIT) is roughly $48,560 per year (~$1,868 biweekly, ~$2,023 semimonthly, ~$4,047 monthly); a $75,000 salary nets about $59,305 per year — subtract another 0.5%–3.38% of gross for your resident (or non-resident work) county LIT. Compare counties in the 92-county LIT table below.

1Pay Details
2Your State
3Results

Step 1 — Your Pay

Gross Pay

Pay Frequency

Pay Type

Step 2 — Your State

State

Filing Status

Allowances

Your Estimated Take-Home Pay

$52,425.00

per annual paycheck (1 per year)

Gross Pay$65,000.00

100.0%

Federal Tax−$5,620.00

8.6%

Indiana State Tax−$1,982.50

3.0%

Social Security−$4,030.00

6.2%

Medicare−$942.50

1.5%

Pre-tax Deductions$0.00

0.0%

Net Take-Home$52,425.00

80.7%

Annual take-home

$52,425

Monthly take-home

$4,369

Good salary benchmark — Indiana

vs Indiana median household salary of $70,051/yr

93%

of Indiana median

−$5,051

below median

$0Indiana median: $70,051$140,102

Comparing against Indiana median household income · $70,051 (2023 ACS)

Your salary is below the Indiana median. Negotiating a raise, switching roles, or relocating can help close the gap.

Source: Indiana median household income ($70,051). Comparison divides your gross salary by the state median. Data drawn from the latest available U.S. Census Bureau ACS estimates for Indiana.

Effective rate 19.3%Marginal federal 12%

Full breakdown

Paycheck Estimate — 2026

US State Paycheck Calculator · usstatepaycheckcalculator.com · Generated August 12, 2026

Inputs

Gross pay	$65,000.00 / annual
Pay type	Salary
State	Indiana
Filing status	Single
Allowances	0
401(k) contribution	—
Health (pre-tax / period)	—
HSA (pre-tax / period)	—
Other pre-tax / period	—

Results

Take-home — Indiana

Line item	Per annual	Annual
Gross pay	$65,000.00	$65,000
Federal income tax	−$5,620.00	−$5,620
State income tax	−$1,982.50	−$1,983
Social Security (6.2%)	−$4,030.00	−$4,030
Medicare (1.45% + 0.9% over threshold)	−$942.50	−$943
Pre-tax deductions	−$0.00	−$0
Net take-home	$52,425.00	$52,425

Effective tax rate: 19.3% · Marginal federal: 12%

Estimate only — not tax or payroll advice. Based on 2026 IRS federal brackets, FICA rates (Social Security wage base $184,500), and the selected state's published tax rules. Excludes itemized deductions, household credits, local/city/county taxes, employee-paid SUI/SDI, garnishments, post-tax benefits, equity compensation, and bonus/special supplemental withholding.

Before you download

Assumptions & Notes

These are the exact rules and constants used to produce your results — the same content included in the PDF report.

Filing status

Single

Std. deduction

$16,100

SS wage base

$184,500

Addl Medicare @

$200,000

Model coverage

What this calculation covers

A quick snapshot of which tax categories are actually applied to your current inputs — and which are intentionally excluded.

3 modeled7 excluded

Modeled in this result

Federal income tax
2026 IRS brackets (Rev. Proc. 2025-32) with standard deduction
FICA — Social Security & Medicare
6.2% up to $184,500 wage base + 1.45% + 0.9% Additional Medicare surtax
Indiana state income tax
2026 published brackets or flat rate on wages after pre-tax deductions

Excluded from this result

Itemized deductions (SALT, mortgage, charitable)
Standard deduction always applied
Tax credits (CTC, EITC, care, education, energy, ACA)
Would reduce final tax owed
Local / city / county income taxes
e.g. NYC, Philadelphia, Ohio localities
Employee SUI / SDI / PFML
e.g. CA, NJ, NY, WA state disability & paid family leave
Equity comp & supplemental bonus withholding
RSUs, ISOs, ESPP, 22% bonus rule
Roth 401(k) & post-tax insurance
Doesn't reduce taxable wages but does reduce take-home
Wage garnishments & child support
Court-ordered withholdings from net pay

See the full excluded list — with per-item explanations — in "What's not modeled" below.

Transparency

What's not modeled

Review the deductions, credits, and exemptions this estimator intentionally excludes — so you know what to double-check before relying on the numbers or downloading the PDF.

2026 Net Pay Breakdown

Where every dollar goes

Filing: SingleIndianaTax year 2026

Line item	Per annual paycheck	Annual
Gross wages	$65,000.00	$65,000
Federal income tax
Federal income tax (IRS brackets) Marginal bracket 12% · 2026 IRS Rev. Proc. 2025-32	−$5,620.00	−$5,620
FICA payroll taxes
Social Security (6.2%) 6.2% of FICA wages, up to $184,500 cap	−$4,030.00	−$4,030
Medicare (1.45%) No wage cap — applies to every dollar of FICA wages	−$942.50	−$943
Additional Medicare (0.9%) Not applicable — kicks in over $200,000 for Single	−$0.00	−$0
Total FICA	$4,972.50	$4,973
State income tax
Indiana state income tax Flat 3.05% on taxable wages	−$1,982.50	−$1,983
Total withholding
Total taxes + deductions	$12,575.00	$12,575
Net take-home pay	$52,425.00	$52,425

Calculated using 2026 IRS federal brackets (Rev. Proc. 2025-32), the $184,500 Social Security wage base, a $16,100 standard deduction for Single, and the Indiana 2026 state tax rules. Pre-tax 401(k) reduces federal taxable wages but is still subject to FICA; health and HSA contributions reduce both federal and FICA wages. Estimate only — not tax advice.

Indiana county income tax (CAGIT / COIT) — 92-county LIT table

Indiana is one of the only states that layers a Local Income Tax (LIT) on top of the state's flat 3.05% rate. Under IC 6-3.6, every one of Indiana's 92 counties adopts its own LIT rate — a bundle of CAGIT (County Adjusted Gross Income Tax), COIT (County Option Income Tax), CEDIT (County Economic Development Income Tax), Public Safety LIT, and Special Purpose LIT. The rate that applies to your paycheck is set by your county of residence on January 1 (IC 6-3.6-2-2), and it is withheld on Form WH-4 using the two-digit county code you enter in Box 1. Moving mid-year does not change the rate for the current tax year.

Searchable 92-county LIT table

Showing 92 of 92 counties

Search countyFilter by rate band

Indiana 2026 county Local Income Tax (LIT) rates. Use Arrow Up and Arrow Down to move between rows, Home and End to jump to the first or last row, and Page Up and Page Down to move ten rows at a time. Activate a column header to sort by that column.

Adams	1.624%	4.674%
Allen	1.480%	4.530%
Bartholomew	2.000%	5.050%
Benton	1.790%	4.840%
Blackford	2.500%	5.550%
Boone	1.700%	4.750%
Brown	2.523%	5.573%
Carroll	2.273%	5.323%
Cass	2.950%	6.000%
Clark	2.000%	5.050%
Clay	2.450%	5.500%
Clinton	2.450%	5.500%
Crawford	1.000%	4.050%
Daviess	1.750%	4.800%
Dearborn	1.200%	4.250%
Decatur	2.500%	5.550%
DeKalb	2.130%	5.180%
Delaware	1.500%	4.550%
Dubois	1.200%	4.250%
Elkhart	2.000%	5.050%
Fayette	2.570%	5.620%
Floyd	1.350%	4.400%
Fountain	2.100%	5.150%
Franklin	1.500%	4.550%
Fulton	2.680%	5.730%
Gibson	0.900%	3.950%
Grant	2.250%	5.300%
Greene	1.950%	5.000%
Hamilton	1.100%	4.150%
Hancock	1.700%	4.750%
Harrison	1.000%	4.050%
Hendricks	1.700%	4.750%
Henry	1.700%	4.750%
Howard	1.750%	4.800%
Huntington	1.950%	5.000%
Jackson	2.100%	5.150%
Jasper	2.864%	5.914%
Jay	2.450%	5.500%
Jefferson	0.900%	3.950%
Jennings	3.000%	6.050%
Johnson	1.400%	4.450%
Knox	2.100%	5.150%
Kosciusko	1.000%	4.050%
LaGrange	1.650%	4.700%
Lake	1.500%	4.550%
LaPorte	0.950%	4.000%
Lawrence	1.750%	4.800%
Madison	2.250%	5.300%
Marion	2.020%	5.070%
Marshall	1.250%	4.300%
Martin	2.500%	5.550%
Miami	2.540%	5.590%
Monroe	1.345%	4.395%
Montgomery	2.300%	5.350%
Morgan	2.720%	5.770%
Newton	1.000%	4.050%
Noble	1.750%	4.800%
Ohio	1.250%	4.300%
Orange	1.750%	4.800%
Owen	1.400%	4.450%
Parke	2.650%	5.700%
Perry	1.400%	4.450%
Pike	0.750%	3.800%
Porter	0.500%	3.550%
Posey	1.250%	4.300%
Pulaski	3.380%	6.430%
Putnam	2.100%	5.150%
Randolph	2.500%	5.550%
Ripley	1.380%	4.430%
Rush	2.100%	5.150%
Scott	2.160%	5.210%
Shelby	1.600%	4.650%
Spencer	0.800%	3.850%
St. Joseph	1.750%	4.800%
Starke	1.710%	4.760%
Steuben	1.790%	4.840%
Sullivan	0.600%	3.650%
Switzerland	1.250%	4.300%
Tippecanoe	1.280%	4.330%
Tipton	2.600%	5.650%
Union	2.000%	5.050%
Vanderburgh	1.200%	4.250%
Vermillion	1.500%	4.550%
Vigo	2.000%	5.050%
Wabash	2.290%	5.340%
Warren	2.120%	5.170%
Warrick	0.500%	3.550%
Washington	2.000%	5.050%
Wayne	1.500%	4.550%
Wells	2.100%	5.150%
White	2.320%	5.370%
Whitley	1.483%	4.533%

Source: Indiana Department of Revenue — Departmental Notice #1 (2026). Rate applies to your county of residence on January 1 (IC 6-3.6-2-2). Non-residents of any Indiana county are withheld at the work-county's non-resident rate.

Source: Indiana Department of Revenue — Departmental Notice #1 (Income Tax Rates by County, 2026 tax year). Rates range from 0.500% (Porter, Warrick) to 3.380% (Pulaski); the state median is roughly 1.75%. Marion County (Indianapolis) is 2.020%. Reciprocity with Kentucky, Michigan, Ohio, Pennsylvania, and Wisconsin covers the 3.05% state tax only — county LIT is still withheld at the work-county's non-resident rate.

Updates live · 2026 rates

Pick your county of residence on January 1 (IC 6-3.6-2-2) and compare against any other Indiana county to see exactly how much the LIT rate change moves your paycheck.

County of residence (Jan 1)Compare againstGross payFrequency

Marion County LIT rate

2.020%

Combined IN state + county: 5.070%

County tax / year

$1,515

Plus Indiana state 3.05% ($2,288/yr)

County tax / annual paycheck

$1,515.00

Withheld on top of federal, IN 3.05%, and FICA

Marion vs. Hamilton County — take-home impact

−$690 / yr

Moving from Hamilton County (1.100%) to Marion County (2.020%) changes take-home pay by −$690.00 per annual paycheck (that's less take-home because Marion's LIT is higher). Under IC 6-3.6-8, moving mid-year does not change your rate for the current tax year — your county of residence on January 1 locks the rate for all 12 months.

Source: Indiana Department of Revenue — Departmental Notice #1 (Income Tax Rates by County, 2026 tax year). Non-residents of Indiana counties who work in Indiana are withheld at the work-county's non-resident rate (typically the resident rate minus the CEDIT component). Reciprocity with Kentucky, Michigan, Ohio, Pennsylvania, and Wisconsin covers the state 3.05% only — Indiana county LIT still applies to the work county.

Indiana WH-4 additional-withholding estimator

Updates live · 2026 rates

Project your 2026 Indiana state + county tax and get a recommended WH-4 Line 7 (state) and Line 8 (county) additional-withholding amount so you don't owe Indiana at April 15.

Filing statusYour annual wages (this job)County of residence (Jan 1) — Line 5County of principal work (Jan 1) — Line 6Personal exemptions — Line 1 ($1,000 each)Additional 65+/blind exemptions — Line 2 ($1,500 each)Dependent exemptions — Line 3 ($1,500 each)First-year dependent children — Line 4 ($3,000 each)Other IN income (interest, dividends, side gigs, RSUs)Expected IN credits (Unified Tax, 529, etc.)Pay frequency

WH-4 exemption total

$1,000

Lines 1 + 2 + 3 + 4 combined

Est. 2026 IN state liability

$1,800

3.05% × $59,000 − credits

Est. 2026 county LIT liability

$1,192

2.020% × $59,000

Recommendation — WH-4 Line 7 (state)

Your employer's WH-4 state withholding covers your projected 3.05% liability — no Line 7 amount needed.

Recommendation — WH-4 Line 8 (county)

County LIT withholding for Marion County looks on-track — no Line 8 amount needed.

Estimate only — assumes Indiana's 3.05% flat state rate (IC 6-3-2-1), 2026 county LIT rates from DOR Departmental Notice #1 (IC 6-3.6), and the January 1 residency rule (IC 6-3.6-2-2). Under IC 6-3.6-8-3 non-Indiana residents withhold at the work-county's non-resident rate. Re-file WH-4 within 10 days of any change in exemptions or county.

Indiana vs. neighboring states — IL, OH, MI, KY at a glance

If you live in Indiana and commute across a border — or vice versa — the state you pay depends on reciprocity (IC 6-3-5-1) and where the local tax is levied. Indiana has reciprocal wage-tax agreements with Kentucky, Michigan, Ohio, Pennsylvania, and Wisconsin — but not Illinois. County LIT and Ohio/Kentucky municipal taxes are never covered by reciprocity; only the state income tax is.

Indiana vs. Illinois, Ohio, Michigan, and Kentucky — 2026 state rate, local tax, reciprocity with Indiana, and the key difference for cross-border workers.
State	2026 state rate	Local tax	Reciprocal with IN	Key difference
Indiana (IN)	3.05% flat	0.50% – 3.38% county LIT	—	Lowest flat state rate of the five, but every county layers its own LIT on top based on Jan 1 residence.
Illinois (IL)	4.95% flat	None statewide	No	Higher flat state rate and NO reciprocity with Indiana — IL residents who work in IN owe Indiana tax + county LIT and claim a credit on IL-1040 Schedule CR.
Ohio (OH)	2.75% top bracket	Up to 3.0% municipal (RITA/CCA)	Yes	Graduated brackets to 2.75%. Reciprocity covers state tax — file Form IT-4NR — but Ohio municipal income tax still applies to the work city.
Michigan (MI)	4.25% flat	1.0%–2.4% in 24 cities (Detroit, GR, etc.)	Yes	Reciprocity means IN residents working in MI file MI-W4 and owe no Michigan state tax, but city tax still applies where imposed.
Kentucky (KY)	4.0% flat	0.45%–2.5% occupational license (city/county)	Yes	Reciprocity (Form 42A809) exempts wages from KY state tax for IN residents, but Louisville Metro and other local occupational taxes still apply.

Indiana ↔ Illinois

Open calculator →

No reciprocity. IL residents working in IN file IN Form IT-40PNR and pay IN state + county LIT; they then claim a credit on IL Schedule CR to avoid double-taxation. IN residents working in IL pay IL 4.95% state tax and claim a credit on IN Schedule 6.

Indiana ↔ Ohio

Open calculator →

Reciprocal. IN residents in OH file Ohio Form IT-4NR to exempt wages from OH state tax — but OH municipal income tax (RITA/CCA cities like Columbus, Cleveland, Cincinnati) still applies to the work location and is NOT covered.

Indiana ↔ Michigan

Open calculator →

Reciprocal. IN residents working in MI file MI-W4 and owe no MI state tax, but Michigan city taxes (Detroit 2.4% resident/1.2% non-resident, Grand Rapids 1.5%/0.75%, etc.) still apply and require the city's DW-4/GRW-4/CF-W4.

Indiana ↔ Kentucky

Open calculator →

Reciprocal. IN residents commuting to Louisville, Covington, or elsewhere in KY file Form 42A809 to exempt wages from KY state tax — but Louisville Metro's occupational license fee and county occupational taxes still apply on the work-side.

Reciprocity only covers state income tax. County LIT (IC 6-3.6), Ohio municipal income tax, Michigan city income tax, and Kentucky occupational license fees are always owed on the work-location side and are never waived by a reciprocal agreement. File Indiana Form WH-47 with your Indiana employer if you're a resident of KY, MI, OH, PA, or WI working in Indiana.

Indiana reciprocity & commuter rules — Form WH-47 for IN ↔ KY, MI, OH, PA, WI

Warning — WH-47 does NOT waive Indiana county LIT

Verified against IC 6-3-5-1 (reciprocity statute), IC 6-3.6-8-3 (county tax withholding on non-residents), and the Indiana Department of Revenue's Departmental Notice #1: reciprocity applies only to the 3.05% Indiana state adjusted gross income tax. Your Indiana employer must continue withholding county LIT at the work-county's non-resident rate on every paycheck — filing Form WH-47 will not stop it, and no Indiana reciprocity partner (KY / MI / OH / PA / WI) changes that outcome.

Under IC 6-3-5-1, Indiana has reciprocal wage-tax agreements with Kentucky, Michigan, Ohio, Pennsylvania, and Wisconsin. Reciprocity means the state where you LIVE taxes your wages — you do not owe the work-state's income tax on those wages. Reciprocity covers only Indiana's 3.05% state income tax (IC 6-3-2-1). It does not waive Indiana county Local Income Tax (LIT) under IC 6-3.6, and it does not cover any city, municipal, or occupational local tax on the work side.

Live in KY / MI / OH / PA / WI · Work in Indiana

File Indiana Form WH-47 (Certificate of Residence) with your Indiana employer. Your employer stops withholding the 3.05% Indiana state tax and continues withholding your home state's income tax.
Indiana county LIT still applies. Because you're not an Indiana resident on Jan 1, your employer withholds at the work-county's non-resident rate (IC 6-3.6-8-3) — typically the CEDIT component only, not the full CAGIT/COIT rate.
File Indiana Form IT-40RNR (Reciprocal Nonresident) at year end to report only the county LIT liability — no Indiana state tax is owed on wages.

Live in Indiana · Work in KY / MI / OH / PA / WI

File the work-state's non-resident/reciprocity form with that employer (see table below). The employer stops withholding that state's income tax; you owe only Indiana's 3.05% + your Indiana county LIT.
Ask your Indiana employer (or make estimated payments) to cover the shortfall, or use the WH-4 estimator above to set an additional Line 7 (state) and Line 8 (county LIT) amount.
Local taxes on the work side still apply — Ohio municipal income tax, Michigan city income tax, KY county occupational fees, PA EIT / Philadelphia wage tax. Reciprocity does not touch those.

Home-state calculators · verify your take-home

For KY / MI / OH / PA / WI residents working in Indiana — model your resident-state withholding on the paycheck your Indiana employer issues after WH-47 is on file.

Work-state calculators · model the reverse commute

For Indiana residents working in KY / MI / OH / PA / WI — check work-side local taxes (city PIT, EIT, Philadelphia Wage Tax, KY occupational fees) that reciprocity does not waive.

Reciprocity forms and local-tax caveats for each Indiana reciprocity partner state (Kentucky, Michigan, Ohio, Pennsylvania, Wisconsin).
Reciprocal state	IN resident working there files	Their resident working in IN files	Local tax NOT covered by reciprocity
Kentucky (KY)	Form 42A809 (Certificate of Nonresidence)	Indiana Form WH-47	Louisville Metro and Kentucky county occupational license fees (0.45%–2.5%) are NOT covered — they apply on the work side regardless of reciprocity. Indiana county LIT still applies: KY resident working in IN: employer keeps withholding Indiana county LIT at the work-county's non-resident rate (usually CEDIT only). IN resident working in KY: pay full Indiana county LIT on your county of residence as of Jan 1.
Michigan (MI)	Form MI-W4 (mark line 8 non-resident)	Indiana Form WH-47	Michigan city income tax (Detroit 2.4%/1.2%, Grand Rapids 1.5%/0.75%, and 22 other cities) still applies and requires the city's DW-4 / GRW-4 / CF-W4. Indiana county LIT still applies: MI resident working in IN: Indiana county LIT still withheld at the work-county non-resident rate. IN resident working in MI: pay full Indiana county LIT on your Jan-1 county of residence — MI city tax stacks on top.
Ohio (OH)	Form IT-4NR (Statement of Residency)	Indiana Form WH-47	Ohio municipal income tax (RITA/CCA cities up to 3.0% — Columbus, Cleveland, Cincinnati, etc.) still applies to the work city. Indiana county LIT still applies: OH resident working in IN: Indiana county LIT still applies at the work-county non-resident rate (WH-47 does not waive it). IN resident working in OH: pay full Indiana county LIT on your Jan-1 county — OH municipal tax on the work city is separate.
Pennsylvania (PA)	Form REV-419 (Employee's Nonwithholding Application)	Indiana Form WH-47	Pennsylvania Local Earned Income Tax (EIT, ~1%) and the Philadelphia Wage Tax (3.75% resident / 3.44% non-resident) are NOT covered by reciprocity. Indiana county LIT still applies: PA resident working in IN: Indiana county LIT still withheld at the work-county non-resident rate. IN resident working in PA: pay full Indiana county LIT on your Jan-1 county — PA EIT and the Philadelphia Wage Tax still hit on the work side.
Wisconsin (WI)	Form W-220 (Nonresident Employee's Withholding Certificate)	Indiana Form WH-47	Wisconsin has no municipal income tax, so once WI state withholding stops there is no additional local tax on the work side. Indiana county LIT still applies: WI resident working in IN: Indiana county LIT still applies at the work-county non-resident rate — WH-47 does not stop it. IN resident working in WI: pay full Indiana county LIT on your Jan-1 county; Wisconsin has no city income tax to stack.

Key rule — reciprocity ≠ county LIT waiver

A reciprocity certificate stops your employer from withholding the other state's income tax on your wages. It does not stop Indiana county LIT withholding, and it does not stop Ohio municipal, Michigan city, or Kentucky occupational taxes. The Indiana Department of Revenue makes this explicit in Departmental Notice #1: reciprocity applies to the 3.05% state adjusted gross income tax only.

Illinois is not an Indiana reciprocity partner — IL residents working in Indiana owe Indiana state tax AND county LIT and claim a credit on IL-1040 Schedule CR. Re-file WH-47 (or your work state's equivalent) within 10 days of any change of residency or work county.

Sources — official Indiana statutes & DOR guidance

Each link opens the primary source on an official Indiana government site in a new tab. Hover, focus, or tap a link to see which claim in this card it supports.

Indiana DOR Departmental Notice #1 (opens in a new tab)External link, opens in a new tab. — county LIT rates, non-resident rule, and confirmation reciprocity applies only to the 3.05% state AGI tax.
IC 6-3-5-1 (opens in a new tab)External link, opens in a new tab. — Indiana wage-tax reciprocity statute (KY, MI, OH, PA, WI).
IC 6-3-2-1 (opens in a new tab)External link, opens in a new tab. — 3.05% Indiana state adjusted gross income tax rate.
IC 6-3.6 (Local Income Taxes) (opens in a new tab)External link, opens in a new tab. — county LIT framework (CAGIT / COIT / CEDIT components).
IC 6-3.6-8-3 (opens in a new tab)External link, opens in a new tab. — county LIT withholding on non-residents at the work-county's non-resident rate.
Indiana Form WH-47 (Certificate of Residence) (opens in a new tab)External link, opens in a new tab. — the reciprocity certificate KY / MI / OH / PA / WI residents file with an Indiana employer.
Indiana Form IT-40RNR (opens in a new tab)External link, opens in a new tab. — reciprocal non-resident return used to report Indiana county LIT only.

Links open the official Indiana General Assembly, DOR, and forms.in.gov pages in a new tab. Verify the current year's Departmental Notice #1 before filing.

Indiana WH-47 reciprocity FAQ — KY, OH, MI, PA, WI commuters

Direction-by-direction answers on how Indiana's reciprocity agreements under IC 6-3-5-1 apply, when Form WH-47 stops state withholding, and when Indiana county Local Income Tax (LIT) under IC 6-3.6 still gets withheld anyway.

No. Kentucky is an Indiana reciprocity partner under IC 6-3-5-1. File Indiana Form WH-47 (Certificate of Residence) with your Indiana employer and they will stop withholding the 3.05% Indiana state adjusted gross income tax. Your Kentucky employer withholds KY's 4.0% flat tax instead. However, Indiana county Local Income Tax (LIT) under IC 6-3.6 STILL applies — because you're not an Indiana resident on January 1, the employer withholds at your work-county's non-resident LIT rate (typically the CEDIT-only component). At year end, file Indiana Form IT-40RNR to report only the county LIT liability.

Indiana worked examples — 6 key counties across salary & hourly pay frequencies

Estimated 2026 Indiana take-home pay after federal income tax, Indiana’s flat 3.05% state PIT, FICA, and each county’s Local Income Tax (LIT) — for the six most-searched Indiana counties: Marion (Indianapolis) 2.020%, Lake (Gary/Hammond) 1.500%, Allen (Fort Wayne) 1.480%, Hamilton (Carmel/Fishers) 1.100%, Vanderburgh (Evansville) 1.200%, and St. Joseph (South Bend) 1.750%. Figures assume single filer, 0 allowances, no pre-tax deductions, and standard 2026 federal brackets. County LIT is withheld on Form WH-4 based on county of residence on January 1 (IC 6-3.6-2-2).

$40,000 salary — annual & per-paycheck net by county

County (city)	LIT rate	Annual net	Monthly	Semi-monthly	Biweekly	Weekly
Marion (Indianapolis)	2.020%	$32,292	$2,691	$1,346	$1,242	$621
Lake (Gary / Hammond)	1.500%	$32,500	$2,708	$1,354	$1,250	$625
Allen (Fort Wayne)	1.480%	$32,508	$2,709	$1,355	$1,250	$625
Hamilton (Carmel / Fishers)	1.100%	$32,660	$2,722	$1,361	$1,256	$628
Vanderburgh (Evansville)	1.200%	$32,620	$2,718	$1,359	$1,255	$627
St. Joseph (South Bend)	1.750%	$32,400	$2,700	$1,350	$1,246	$623

$60,000 salary — annual & per-paycheck net by county

County (city)	LIT rate	Annual net	Monthly	Semi-monthly	Biweekly	Weekly
Marion (Indianapolis)	2.020%	$47,348	$3,946	$1,973	$1,821	$911
Lake (Gary / Hammond)	1.500%	$47,660	$3,972	$1,986	$1,833	$917
Allen (Fort Wayne)	1.480%	$47,672	$3,973	$1,986	$1,834	$917
Hamilton (Carmel / Fishers)	1.100%	$47,900	$3,992	$1,996	$1,842	$921
Vanderburgh (Evansville)	1.200%	$47,840	$3,987	$1,993	$1,840	$920
St. Joseph (South Bend)	1.750%	$47,510	$3,959	$1,980	$1,827	$914

$75,000 salary — annual & per-paycheck net by county

County (city)	LIT rate	Annual net	Monthly	Semi-monthly	Biweekly	Weekly
Marion (Indianapolis)	2.020%	$57,790	$4,816	$2,408	$2,223	$1,111
Lake (Gary / Hammond)	1.500%	$58,180	$4,848	$2,424	$2,238	$1,119
Allen (Fort Wayne)	1.480%	$58,195	$4,850	$2,425	$2,238	$1,119
Hamilton (Carmel / Fishers)	1.100%	$58,480	$4,873	$2,437	$2,249	$1,125
Vanderburgh (Evansville)	1.200%	$58,405	$4,867	$2,434	$2,246	$1,123
St. Joseph (South Bend)	1.750%	$57,993	$4,833	$2,416	$2,230	$1,115

$100,000 salary — annual & per-paycheck net by county

County (city)	LIT rate	Annual net	Monthly	Semi-monthly	Biweekly	Weekly
Marion (Indianapolis)	2.020%	$74,110	$6,176	$3,088	$2,850	$1,425
Lake (Gary / Hammond)	1.500%	$74,630	$6,219	$3,110	$2,870	$1,435
Allen (Fort Wayne)	1.480%	$74,650	$6,221	$3,110	$2,871	$1,436
Hamilton (Carmel / Fishers)	1.100%	$75,030	$6,253	$3,126	$2,886	$1,443
Vanderburgh (Evansville)	1.200%	$74,930	$6,244	$3,122	$2,882	$1,441
St. Joseph (South Bend)	1.750%	$74,380	$6,198	$3,099	$2,861	$1,430

Hourly worked examples — full-time (40 hrs/wk) net by county

Assumes 52 paid weeks per year, no overtime. Overtime hours are taxed at the same rates but grossed at 1.5× the base rate under 29 U.S.C. §207 (FLSA); Indiana does not add a state daily-overtime rule.

$18/hr @ 40 hrs/wk (≈ $37,440 / yr gross)

County (city)	LIT rate	Annual net	Weekly	Biweekly	Monthly
Marion (Indianapolis)	2.020%	$30,365	$584	$1,168	$2,530
Lake (Gary / Hammond)	1.500%	$30,560	$588	$1,175	$2,547
Allen (Fort Wayne)	1.480%	$30,567	$588	$1,176	$2,547
Hamilton (Carmel / Fishers)	1.100%	$30,709	$591	$1,181	$2,559
Vanderburgh (Evansville)	1.200%	$30,672	$590	$1,180	$2,556
St. Joseph (South Bend)	1.750%	$30,466	$586	$1,172	$2,539

$25/hr @ 40 hrs/wk (≈ $52,000 / yr gross)

County (city)	LIT rate	Annual net	Weekly	Biweekly	Monthly
Marion (Indianapolis)	2.020%	$41,326	$795	$1,589	$3,444
Lake (Gary / Hammond)	1.500%	$41,596	$800	$1,600	$3,466
Allen (Fort Wayne)	1.480%	$41,606	$800	$1,600	$3,467
Hamilton (Carmel / Fishers)	1.100%	$41,804	$804	$1,608	$3,484
Vanderburgh (Evansville)	1.200%	$41,752	$803	$1,606	$3,479
St. Joseph (South Bend)	1.750%	$41,466	$797	$1,595	$3,456

Sources: Indiana DOR Departmental Notice #1 (2026 county LIT rates); IC 6-3-2-1 (state flat rate); IC 6-3.6-2-2 (January 1 resident rule); IC 6-3.6-8-3 (non-resident county withholding); IRS Publication 15-T (2026 federal withholding); SSA 2026 wage base $184,500.

Indiana WH-4 & withholding FAQ — line-by-line, county LIT & remote/non-resident rules

How each line of Form WH-4 (Employee’s Withholding Exemption & County Status Certificate) drives your Indiana state & county withholding under IC 6-3-4-8 and IC 6-3.6.

Form WH-4 (Employee's Withholding Exemption and County Status Certificate) is Indiana's state-and-county equivalent of the federal IRS Form W-4. It tells your employer how many personal and dependent exemptions to use for Indiana's flat 3.05% state income tax (IC 6-3-2-1) and which two-digit county code to use for county Local Income Tax (LIT) withholding under IC 6-3.6. Every Indiana employee must file a WH-4 on their first day of work and re-file within 10 days of any change in county of residence, county of principal work, marital status, or number of dependents (IC 6-3-4-8). If you never file a WH-4, your employer must withhold as if you claimed zero exemptions AND — critically — apply the county rate for the county of your Indiana principal place of work at the non-resident rate, which almost always over- or mis-withholds. Official form: https://www.in.gov/dor/files/wh-4.pdf .

Enter gross pay, not net — here's the difference

Gross pay is your salary or hourly rate before any tax or deduction — the top-line number on your offer letter. Net pay (take-home) is what actually lands in your bank account after federal tax, Indiana state tax, FICA, and pre-tax deductions come out. Type the gross figure into the calculator; it does the rest.

Gross salary

$35,000

Net / year

$29,235

Federal tax: −$2,020
IN state tax: −$1,068
Net / biweekly: $1,124

Gross salary

$50,000

Net / year

$40,830

Federal tax: −$3,820
IN state tax: −$1,525
Net / biweekly: $1,570

Gross salary

$75,000

Net / year

$59,305

Federal tax: −$7,670
IN state tax: −$2,288
Net / biweekly: $2,281

Gross salary

$100,000

Net / year

$76,130

Federal tax: −$13,170
IN state tax: −$3,050
Net / biweekly: $2,928

Gross salary

$150,000

Net / year

$109,216

Federal tax: −$24,734
IN state tax: −$4,575
Net / biweekly: $4,201

Gross vs. net Indiana salary examples for 2026 (single filer, no pre-tax deductions).
Gross salary (enter this)	Federal tax	IN state tax	Net (annual)	Net per biweekly check
$35,000	−$2,020	−$1,068	$29,235	$1,124
$50,000	−$3,820	−$1,525	$40,830	$1,570
$75,000	−$7,670	−$2,288	$59,305	$2,281
$100,000	−$13,170	−$3,050	$76,130	$2,928
$150,000	−$24,734	−$4,575	$109,216	$4,201

2026 rates, single filer, no pre-tax 401(k)/HSA/health. Net also reflects Social Security 6.2% (up to $184,500), Medicare 1.45%, and Indiana state withholding at Flat 3.05% income tax.

• Salaried? Enter your annual gross ($75,000 in the example above) and pick Annual.
• Hourly? Enter your hourly rate (e.g. $25/hr) and hours per week — the calculator annualizes for you.
• Paid biweekly? Enter your biweekly gross (e.g. $2,885) and pick Biweekly. Do not enter your take-home from your last stub.
• Add pre-tax deductions (401(k) %, HSA, health premiums) in the deduction fields — the calculator subtracts them before federal and Indiana state tax.

Indiana Tax Information 2026

State Income Tax	Flat 3.05%
Federal Brackets	10% / 12% / 22% / 24% / 32% / 35% / 37%
Social Security	6.2% up to $184,500
Medicare	1.45% (+0.9% above $200,000)
Standard Deduction (single)	$15,000

Flat 3.05% income tax.

Common Indiana Salaries — Take-Home Estimates

Single filer, no pre-tax deductions, 2026 rates.

Annual	Federal	IN State	Net Biweekly	Net Annual
$35,000	$2,020	$1,068	$1,124	$29,235
$50,000	$3,820	$1,525	$1,570	$40,830
$75,000	$7,670	$2,288	$2,281	$59,305
$100,000	$13,170	$3,050	$2,928	$76,130
$150,000	$24,734	$4,575	$4,201	$109,216

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Bordering Indiana — compare take-home pay across state lines.

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How we calculate your Indiana paycheck

Enter gross pay — your salary or hourly wage before any taxes or deductions come out. The calculator does the pre-tax math for you; do not subtract your 401(k), HSA, or health premiums first. The 2026 engine then runs the same six-step pipeline for every Indiana paycheck:

1. Annualize gross wages. Weekly × 52, biweekly × 26, semimonthly × 24, or monthly × 12 — so all withholding tables see the same annual figure.
2. Subtract pre-tax deductions. Traditional 401(k)/403(b), HSA, FSA, and Section 125 health/dental/vision premiums are removed from federal and Indiana state taxable income. Roth 401(k) and after-tax deductions are not subtracted here.
3. Apply 2026 federal income tax. IRS brackets 10%–37%, standard deduction, and your W-4 filing status and dependents.
4. Withhold FICA. Social Security 6.2% up to the 2026 wage base of $184,500, plus Medicare 1.45% on all wages and an additional 0.9% Medicare on wages above $200,000. FICA applies to 401(k) contributions but not to Section 125 or HSA.
5. Apply Indiana state and local tax. Flat 3.05% income tax. These rates apply to your post-pre-tax-deduction wages using your state withholding certificate. Local layer: every Indiana county levies a County Adjusted Gross Income Tax (CAGIT/COIT) of 0.5%–3.38% (Marion County 2.02%) on the same taxable wages as state tax, based on your county of residence on January 1.
6. Subtract post-tax items. Roth contributions, garnishments, and voluntary post-tax benefits reduce net pay but do not lower taxable income. The remainder is your take-home, which the calculator divides back by pay frequency for per-check net.

Results are estimates for 2026 W-2 wages and are not a substitute for Form W-4, your Indiana withholding certificate, or advice from a licensed tax professional.

Keep exploring Indiana paycheck math with related calculators from US State Paycheck Calculator:

Indiana paycheck FAQs

Flat 3.05% income tax. US State Paycheck Calculator applies these brackets to your taxable wages after pre-tax deductions.

Indiana salary paycheck calculator

How much do I take home in Indiana?

Step 1 — Your Pay

Step 2 — Your State

Your Estimated Take-Home Pay

Good salary benchmark — Indiana

Paycheck Estimate — 2026

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Take-home — Indiana

Assumptions & Notes

What this calculation covers

What's not modeled

Where every dollar goes

Indiana county income tax (CAGIT / COIT) — 92-county LIT table

Searchable 92-county LIT table

Indiana county LIT calculator

Marion County Indiana LIT results

Indiana WH-4 additional-withholding estimator

Indiana vs. neighboring states — IL, OH, MI, KY at a glance

Indiana ↔ Illinois

Indiana ↔ Ohio

Indiana ↔ Michigan

Indiana ↔ Kentucky

Indiana reciprocity & commuter rules — Form WH-47 for IN ↔ KY, MI, OH, PA, WI

Live in KY / MI / OH / PA / WI · Work in Indiana

Live in Indiana · Work in KY / MI / OH / PA / WI

Sources — official Indiana statutes & DOR guidance

Indiana WH-47 reciprocity FAQ — KY, OH, MI, PA, WI commuters

Indiana worked examples — 6 key counties across salary & hourly pay frequencies

$40,000 salary — annual & per-paycheck net by county

$60,000 salary — annual & per-paycheck net by county

$75,000 salary — annual & per-paycheck net by county

$100,000 salary — annual & per-paycheck net by county

Hourly worked examples — full-time (40 hrs/wk) net by county

$18/hr @ 40 hrs/wk (≈ $37,440 / yr gross)

$25/hr @ 40 hrs/wk (≈ $52,000 / yr gross)

Indiana WH-4 & withholding FAQ — line-by-line, county LIT & remote/non-resident rules

Indiana Tax Information 2026

Common Indiana Salaries — Take-Home Estimates

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How we calculate your Indiana paycheck

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