Your Pay Details
Your Take-Home Pay
| Gross Pay | $0 |
| Federal Income Tax | –$0 |
| Social Security (6.2%) | –$0 |
| Medicare (1.45%) | –$0 |
| Indiana State Tax (3.0%) | –$0 |
| Take-Home Pay | $0 |
| ⚠ Local & City Income Tax may apply | |
County Income Taxes in Indiana
Indiana is one of the few states where every single county — all 92 of them — levies a local income tax. The good news: unlike Ohio or Pennsylvania, Indiana's county taxes are fully administered by the state and automatically withheld from your paycheck. Most residents don't even realize there's a separate county layer.
County rates vary from about 0.5% in some rural counties to 3.38% in others. Marion County (Indianapolis) is 2.02%. Your county rate is determined by where you live on January 1st of the tax year, not where you work.
The Indiana state calculator above includes the state income tax rate (3.0%), but does not include your specific county's rate. To get a precise take-home figure, add your county's rate to the state rate when estimating your total Indiana income tax burden.
How Your Indiana Paycheck Works
Indiana has a flat 3.0% state income tax rate — one of the lowest flat rates in the country. Indiana provides a personal exemption of $1,000 per person. Note that Indiana counties also levy local income taxes ranging from 0.5% to 3.38%.
Federal Income Tax
Calculated using 2025 federal brackets from 10% to 37%, applied to your taxable income after the standard deduction.
Social Security
6.2% of your gross pay up to $176,100. Funds the Social Security retirement and disability program.
Medicare
1.45% of all gross pay with no income cap. High earners over $200K pay an additional 0.9% surtax.
Indiana State Tax
Indiana taxes wages at a flat 3.0% after a $1,000 personal exemption. County income taxes (0.5%–3.38%) may also apply depending on your county.
2025 Federal Tax Brackets
The US uses a progressive tax system — you only pay each rate on income within that bracket, not your entire salary.
Single Filers
| Rate | Income Range |
|---|---|
| 10% | $0 – $11,925 |
| 12% | $11,926 – $48,475 |
| 22% | $48,476 – $103,350 |
| 24% | $103,351 – $197,300 |
| 32% | $197,301 – $250,525 |
| 35% | $250,526 – $626,350 |
| 37% | Over $626,350 |
Married Filing Jointly
| Rate | Income Range |
|---|---|
| 10% | $0 – $23,850 |
| 12% | $23,851 – $96,950 |
| 22% | $96,951 – $206,700 |
| 24% | $206,701 – $394,600 |
| 32% | $394,601 – $501,050 |
| 35% | $501,051 – $751,600 |
| 37% | Over $751,600 |
Major Cities in Indiana
Whether you live in Indianapolis, Fort Wayne, or anywhere else in Indiana, state tax rates apply uniformly — your city does not change your paycheck calculation. Local taxes and cost of living vary by city, as shown below.
* Population from U.S. Census estimates. Home prices and rent are 2023–2024 estimates. Local income tax applies to residents unless noted.
Frequently Asked Questions
What is Indiana's state income tax rate?
Indiana has a flat 3.0% state income tax rate. Indiana also has county-level income taxes that vary from about 0.5% to 3.38% depending on your county of residence. This calculator shows the state rate only.
What percentage of my paycheck goes to taxes in Indiana?
In Indiana, a single filer earning $55,000/year pays roughly 3.0% in state income tax plus any applicable county income tax, plus federal taxes and FICA. Total deductions typically run 22–25% of gross pay before county taxes.
What is FICA and how much is it?
FICA covers Social Security (6.2% up to $176,100) and Medicare (1.45% with no cap). Together that's 7.65% of gross pay. Every US worker pays these regardless of state.
How do pre-tax deductions like a 401(k) reduce my taxes?
Pre-tax deductions reduce your federal taxable income, lowering your tax bill. A $5,000 annual 401(k) contribution could save $600–$1,100 in federal taxes depending on your bracket.
How accurate is this calculator?
This calculator uses 2025 federal brackets and the state's current flat rate. Results are close estimates — your actual paycheck may vary based on W-4 elections and employer deductions.