Free tool

Indiana Paycheck Calculator

See your real take-home pay in Indiana after federal tax, IN state tax, FICA, 401(k), and health insurance.

Indiana keeps things simple with a flat 2.95% income tax — every dollar of taxable wages is taxed at the same rate, no brackets to climb. Combined with federal income tax and 7.65% FICA, that flat rate determines how much of your salary actually reaches your bank account. The calculator below breaks down a Indiana paycheck line by line, including 401(k) and health insurance deductions.

Your pay

Filing status

Flat 2.95% state income tax, after a $1,000 state deduction (single). Married brackets are approximated as doubled single-filer thresholds.

Take-home / paycheck
$2,328
Effective tax rate
20.7%
Annual take-home
$60,527

Where your gross salary goes

Take-home payFederal income taxFICA (SS + Medicare)IN state income tax401(k) contributionHealth insurance
ItemAnnualPer paycheck
Take-home pay$60,527$2,328
Federal income tax$8,796$338
FICA (SS + Medicare)$6,503$250
IN state income tax$2,274$87
401(k) contribution$5,100$196
Health insurance$1,800$69
Gross salary$85,000$3,269

Your 401(k) isn't lost money — it's still yours, just invested pre-tax. Counting it, you keep 77.2% of your gross.

Indiana tax notes

  • Indiana's flat rate is on a scheduled glide path down (2.95% for 2026, headed to 2.9%).
  • Every Indiana county adds its own income tax (roughly 0.5%–3%) on top — not modeled here.

Estimates only — state and local taxes vary; excludes local/city taxes and credits.

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