Calculate 2026 Indiana paychecks with 2.95% state withholding, WH-4 exemptions, October county-rate guidance, and hourly/salary examples.
Your pay details
Change any field to update the gross estimate.
01 / INPUT
Regular resident wages, 2020+ federal W-4, latest supported 2026 state tables. Not for historical paychecks, bonuses, nonresident allocation, or multistate payroll.
Pay amount
Tax context
Deductions
Enter deductions for one pay period. Other pre-tax reduces income-tax wages but not FICA; use only qualifying deductions. Dollar elections below specify annual or per-paycheck amounts separately.
Federal W-4 elections
Planning inputs only. This does not submit an electronic W-4; your employer uses the form you file with them. Leave blank anything you did not enter on your W-4.
$
Annual dollars
$
Annual dollars
$
Annual dollars
$
Dollars per paycheck
Year-to-date taxable wages
Taxable wages earned before this paycheck from the same employer—not tax already withheld. Blank means 0.
$
Wages before this paycheck
$
Wages before this paycheck
Indiana state withholding
$
Enter the complete dollar total, including applicable dependent/adoption categories. Blank means 0.
$
Dollars per paycheck
$
Optional. State income-tax wages for this paycheck; blank uses the calculated amount.
Indiana’s 2026 state withholding rate is 2.95%. Enter the complete annual WH-4 exemption amount; county withholding is separate. Resident regular wages only. Use the wage override for a known state-taxable base. Enter county/local taxes, disability, paid leave, and other payroll charges as actual dollar amounts below.Effective current 2026 payroll tables (not historical paychecks)Official employer withholding source
Local and other payroll
Known actual dollar amounts per paycheck, not rates. Blank means 0.
$
Dollars per paycheck
$
Dollars per paycheck
Indiana’s 2026 state withholding rate is 2.95%. Enter the complete annual WH-4 exemption amount; county withholding is separate. Effective current 2026 payroll tables (not historical paychecks).
ESTIMATED TAKE-HOME PAY
Complete the inputs
Enter pay, state, and filing status to calculate.
Paycheck breakdownBIWEEKLY
Gross pay · every 2 weeks gross$0.00
Federal income tax · estimate—
State income tax · estimate—
Social Security · estimate—
Medicare, including any additional tax—
Pre-tax deductions—
Post-tax deductions—
Local tax · entered amount—
Other payroll · entered amount—
Estimated net pay—
Choose your tax contextSelect a U.S. state and filing status. Tax lines stay blank until these are selected.
Withholding estimates use current employer tables and the elections entered. Annual totals repeat this paycheck—not future wage-cap changes. Local taxes, disability, and paid leave require actual entered amounts. Historical or special payroll methods are not supported.
Paycheck & Tax Guides
Understand the numbers behind your paycheck.
Practical 2026 explanations with IRS and state sources. Learn what an estimate can—and cannot—tell you.
Indiana’s 2026 state withholding rate is 2.95%, but county income tax can be an important additional deduction. The current Departmental Notice #1 includes October 1 county updates; a statewide calculator alone cannot choose the correct county or historical rate.
WH-4 elections and the 2.95% state rate
Departmental Notice #1 states a 2.95% individual state rate for 2026. The withholding computation subtracts the annual WH-4 exemption total allocated across pay periods, then applies the rate. Personal, dependent, first-time additional dependent, and adopted-dependent categories can have distinct amounts.
The calculator asks for the complete annual exemption dollar total, not a count of people. For example, a single $1,000 personal exemption should be entered as 1000, not 1. Use the current WH-4 and the notice’s deduction categories rather than assuming every dependent has the same value.
County tax: confirm the county and effective notice
The notice effective October 1, 2026 supplies county rates and identifies changed counties. It discusses determining the correct county based on the applicable January 1 residence/work circumstances. Do not automatically use a new address or your employer’s mailing address as the county election.
This page calculates the state component only and accepts county tax as entered Local tax dollars. Obtain the employer’s actual county amount and table effective for the check. The hourly and salary examples deliberately omit county withholding, so their partial net is not a typical Indiana worker’s deposit.
Indiana overtime adds taxable wages and possibly county withholding
The FLSA generally requires at least time-and-a-half after 40 hours worked per workweek for covered nonexempt employees. At $25 an hour, six qualifying overtime hours add $225 to regular earnings. Calculate the legal earnings first, including any regular-rate adjustments, before estimating tax.
Both state taxable wages and the applicable county base can change with the larger check. A federal qualified-overtime deduction does not authorize skipping Indiana payroll withholding. Compare state and county lines independently, especially when an October county update coincides with changing work hours.
Indiana worked examples
Both examples are hypothetical and calculated with this site's withholding engine for a single filer.
Hourly check with a $1,000 WH-4 total
Hypothetical example, not a real paycheck
Pay frequency
Biweekly (26 periods per year)
Gross calculation
$25.00 per hour × 80 hours = $2,000.00
Filer
Single, 2020+ W-4, Step 2 off, Steps 3 and 4 zero, year-to-date wages zero
State elections
Defaults except as listed below
Overridden elections
State annual deduction / exemption dollars: $1,000.00
Per-paycheck breakdown for Hourly check with a $1,000 WH-4 total
Line
Per paycheck
Gross pay
$2,000.00
Federal income tax withheld
$156.15
IN state income tax withheld
$57.87
Social Security
$124.00
Medicare
$29.00
Retirement contribution
$0.00
Health deduction
$0.00
Partial net pay under these assumptions
$1,632.98
Excluded: local tax ($0.00) and other payroll deductions ($0.00) are assumed zero unless shown above. No benefits are included unless listed. This is a partial net under assumptions, not an actual deposit.
Gross is $2,000. The $1,000 annual total represents one personal exemption for this hypothetical worker. County tax is excluded; do not enter this total as an exemption count.
Salary with a known annual exemption total
Hypothetical example, not a real paycheck
Pay frequency
Biweekly (26 periods per year)
Gross calculation
$65,000.00 annual salary ÷ 26 pay periods = $2,500.00
Filer
Single, 2020+ W-4, Step 2 off, Steps 3 and 4 zero, year-to-date wages zero
State elections
Defaults except as listed below
Overridden elections
State annual deduction / exemption dollars: $1,000.00
Per-paycheck breakdown for Salary with a known annual exemption total
Line
Per paycheck
Gross pay
$2,500.00
Federal income tax withheld
$201.15
IN state income tax withheld
$68.93
Social Security
$155.00
Medicare
$36.25
Retirement contribution
$125.00
Health deduction
$0.00
Partial net pay under these assumptions
$1,913.67
Excluded: local tax ($0.00) and other payroll deductions ($0.00) are assumed zero unless shown above. No benefits are included unless listed. This is a partial net under assumptions, not an actual deposit.
Gross is $2,500, with a $125 traditional contribution and $1,000 annual WH-4 exemption total. No county is selected and no county deduction is included.
Frequently asked questions
Does the Indiana result include county income tax?
No. Enter the verified county amount in Local tax. Departmental Notice #1 is needed to establish county selection and the effective rate.
Should I enter one exemption as 1 in the WH-4 dollar field?
No. The field expects the full annual dollar amount, including the applicable categories. A $1,000 personal exemption is entered as 1000.
Can I use the October county table to check a spring paycheck?
Not without checking the earlier notice. County rates can change during the year, and the state calculator does not choose a county or historical schedule automatically.
Default mode follows IRS Publication 15-T Worksheet 1A for a 2020-or-later W-4 and each supported state’s current employer formula. W-4 credits and annual adjustments affect federal withholding; state elections follow the state certificate independently.
Social Security withholds 6.2% on this check’s remaining wages under the $184,500 employer wage cap. Medicare withholds 1.45%, plus 0.9% on wages crossing the employer’s $200,000 threshold, regardless of filing status. Enter taxable wages before this paycheck in the YTD controls. Traditional retirement deferrals remain subject to FICA; qualifying cafeteria-plan health premiums are assumed FICA-exempt.
Annual projections repeat this check. The separate annual tax estimate mode retains a limited legacy liability model and uses filing-status Medicare liability thresholds; it does not represent paycheck withholding. Overtime is not automatically exempt from withholding or FICA. Use W-4 Step 4(b) for an elected overtime-related withholding deduction.
TAX YEAR 2026
Sources & assumptions
Federal filing statusNot selected
State selectedIndiana
Rule set and update2026 · current 2026 payroll tables (not historical paychecks)
Regular resident wage withholding only. Not for 2019-or-earlier W-4 forms, historical pay dates, supplemental/bonus methods, multistate allocation, reciprocity, pensions, or special employer methods. State wage overrides and entered local/other payroll dollars are used as supplied, not independently verified. Each state section identifies its table and effective period. DC withholding is not verified and is unavailable rather than silently using annual brackets. Legacy annual mode omits many state adjustments and later amendments. This is a planning estimate, not tax advice or a guarantee of your employer’s exact result.