Indiana Paycheck Calculator
See exactly what you keep after taxes in Indiana — enter your pay for an instant, itemized take-home breakdown.
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Your take-home pay
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Effective tax rate 0%
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How Indiana take-home pay is calculated
Indiana levies a flat 3.0% individual income tax for the 2025 tax year, one of the lowest flat rates among states with an income tax. On top of the state rate, every Indiana county imposes its own local income tax, so actual take-home pay depends heavily on the county where you live. Because the state rate is flat and modest, high earners often keep more of their pay than they would in progressive-bracket states.
Federal income tax
Progressive 10%–37%, applied after the federal standard deduction ($15,000 single / $30,000 married for 2025).
Social Security
6.2% of wages up to the $176,100 wage base.
Medicare
1.45% of all wages, plus 0.9% above $200,000.
Indiana state income tax
Progressive Flat 3.0%.
401(k) — optional
Pre-tax contributions lower your taxable income for both federal and state tax.
- Indiana applies a single flat 3.0% rate to all taxable income for 2025, down from 3.05% in 2024.
- Indiana has no standard deduction; instead it uses personal exemptions of $1,000 for single filers and $2,000 for married filing jointly.
- The state rate is scheduled to drop further to 2.95% in 2026 and 2.9% in 2027 under H.B. 1001.
Indiana paycheck — frequently asked questions
How much is taken out of a paycheck in Indiana? +
In Indiana, federal income tax, Social Security (6.2%), Medicare (1.45%) and Indiana state income tax (Flat 3.0%) are withheld. Total withholding typically lands around 25%–35% of gross pay, depending on income and filing status.
What is take-home pay? +
Take-home pay (net pay) is the amount that actually reaches your bank account after all taxes and deductions are subtracted from your gross salary. It is always lower than your headline salary.
Does Indiana have a state income tax? +
Yes. Indiana has a progressive state income tax (Flat 3.0%), charged on top of federal income tax.
Is this Indiana paycheck calculator accurate? +
It gives a close estimate using 2025 federal and Indiana tax brackets, the standard deduction and FICA. Your actual paycheck can vary based on local taxes, additional withholdings, benefits and your W-4. It is an estimate, not tax advice.
Disclaimer: This calculator provides estimates for educational purposes only using 2025 tax figures and does not constitute tax, legal, or financial advice. Actual withholding depends on your W-4, local taxes, benefits, and other factors. Verify with a qualified professional or the relevant tax authority.