Indiana Paycheck Calculator

Enter your salary to estimate your Indiana take-home pay after federal income tax, Indiana state income tax, and FICA, broken down per paycheck for any pay schedule.

Take-home per paycheck

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Gross annual pay—

Federal income tax—

Indiana state income tax—

FICA (Social Security + Medicare)—

Net annual take-home—

Where your Indiana paycheck goes

Annual take-home versus federal, state, and FICA taxes.

Same salary, different states

Estimated net take-home on an $80,000 single salary. Indiana is highlighted.

Indiana paycheck, explained

A Indiana paycheck calculator shows what you actually keep from your salary after every mandatory withholding. Indiana charges a flat 2.95% state income tax on top of federal tax and FICA, so every dollar of taxable income above the personal exemption is taxed at the same rate regardless of how much you earn. This tool estimates federal income tax, Indiana state income tax, and FICA payroll tax, then divides your net pay across your chosen pay schedule.

Indiana's flat-rate system means your marginal and effective state tax rate are nearly identical, unlike progressive states where they diverge as income rises. Enter your gross salary above to see your Indiana take-home pay per paycheck.

Indiana income tax

Indiana uses a flat 2.95% income tax rate on taxable income. The state personal exemption is $1,000 for single filers and $2,000 for joint filers, which reduces the income subject to state tax.

All 92 Indiana counties levy an additional local income tax, roughly 0.5% to 3% depending on county, on top of the flat state rate. Indiana does not tax Social Security retirement benefits.

The paycheck formula

A paycheck calculator works backward from your gross salary, removing every mandatory withholding to reveal your true take-home pay:

taxable income = gross salary − pre-tax deductions − standard deduction
federal tax = progressive federal brackets
Indiana tax = 2.95% flat rate on taxable income above the personal exemption
FICA = 6.2% Social Security (to cap) + 1.45% Medicare
net pay = gross − federal − state − FICA − pre-tax deductions
per paycheck = net pay ÷ number of pay periods

Worked example

Federal income tax is roughly $8,770, FICA is $6,120, and Indiana state income tax is about $2,331 at the flat 2.95% rate after the personal exemption. Net take-home is around $62,780 a year, close to $2,415 every two weeks on a bi-weekly schedule. Contributing to a 401(k) or HSA would lower both federal and state tax and raise the after-tax value of saving.

How Indiana compares

On the same $80,000 single salary, Indiana take-home is about $62,780 — $2,330 less than Texas's $65,110 (Texas has no state income tax), $1,264 more than California's $61,516, and $1,465 more than New York's $61,315. The chart above shows how Indiana stacks up against those three benchmark states on identical pay.

Frequently asked questions

How much is taken out of a paycheck in Indiana?

On an $80,000 single salary, roughly $17,221 a year goes to federal income tax, Indiana state income tax, and FICA combined, leaving about $62,780 in take-home.

What is the Indiana state income tax rate?

Indiana has a flat state income tax rate of 2.95% on taxable income. The state personal exemption is $1,000 for single filers and $2,000 for joint filers, which reduces the income subject to state tax.

Does Indiana tax Social Security benefits?

Indiana does not tax Social Security retirement benefits.

Are there local taxes on top of Indiana state tax?

All 92 Indiana counties levy an additional local income tax, roughly 0.5% to 3% depending on county, on top of the flat state rate.

How can I increase my Indiana take-home pay?

Contributing to pre-tax accounts like a 401(k), HSA, or FSA lowers your federal and Indiana taxable income, reducing withholding and raising the value of each dollar you save.

Is Indiana take-home pay higher or lower than Texas?

Lower. Texas has no state income tax, so on the same $80,000 salary a Texas resident keeps about $2,331 more than an Indiana resident.