Indiana Paycheck Calculator

Estimate your net pay in Indiana, factoring in federal, state, and local taxes, as well as common deductions.

Gross Pay per Pay Period:

Pay Frequency: Weekly Bi-Weekly Semi-Monthly Monthly

Federal Withholding

Federal Filing Status: Single Married Filing Jointly

Number of Dependents (W-4 Step 3): For child tax credit or other dependent credit.

Additional Federal Withholding (W-4 Step 4c):

Indiana State & Local Withholding

Indiana State Allowances: Typically 1 for yourself, 1 for spouse, 1 for each dependent.

Indiana County of Residence: No County Tax Hamilton County (1.00%) Lake County (1.50%) Marion County (2.00%) Allen County (1.75%) Monroe County (1.25%)

Deductions

Pre-tax 401(k) Contribution per Period:

Pre-tax Health Insurance Premium per Period:

Other Pre-tax Deductions per Period:

Post-tax Deductions per Period:

Your Estimated Paycheck

Enter your details and click "Calculate" to see your estimated net pay.

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font-weight: bold; } .calculator-results p span { color: #007bff; font-weight: bold; } .calculator-results p.net-pay { background-color: #e6f7ff; border-color: #99ddff; font-size: 1.2em; padding: 15px; } .calculator-results p.net-pay span { color: #28a745; /* Green for net pay */ font-size: 1.3em; } function calculatePaycheck() { // Get input values var grossPay = parseFloat(document.getElementById('grossPay').value); var payFrequency = parseInt(document.getElementById('payFrequency').value); var federalFilingStatus = document.getElementById('federalFilingStatus').value; var federalDependents = parseInt(document.getElementById('federalDependents').value); var additionalFederalWithholding = parseFloat(document.getElementById('additionalFederalWithholding').value); var stateAllowances = parseInt(document.getElementById('stateAllowances').value); var countyRate = parseFloat(document.getElementById('county').value); var preTax401k = parseFloat(document.getElementById('preTax401k').value); var preTaxHealth = parseFloat(document.getElementById('preTaxHealth').value); var otherPreTax = parseFloat(document.getElementById('otherPreTax').value); var postTaxDeductions = parseFloat(document.getElementById('postTaxDeductions').value); // Validate inputs if (isNaN(grossPay) || grossPay < 0) { alert('Please enter a valid Gross Pay per Pay Period.'); return; } if (isNaN(federalDependents) || federalDependents < 0) { alert('Please enter a valid number for Federal Dependents.'); return; } if (isNaN(additionalFederalWithholding) || additionalFederalWithholding < 0) { alert('Please enter a valid amount for Additional Federal Withholding.'); return; } if (isNaN(stateAllowances) || stateAllowances < 0) { alert('Please enter a valid number for Indiana State Allowances.'); return; } if (isNaN(preTax401k) || preTax401k < 0) { alert('Please enter a valid amount for Pre-tax 401(k) Contribution.'); return; } if (isNaN(preTaxHealth) || preTaxHealth < 0) { alert('Please enter a valid amount for Pre-tax Health Insurance Premium.'); return; } if (isNaN(otherPreTax) || otherPreTax < 0) { alert('Please enter a valid amount for Other Pre-tax Deductions.'); return; } if (isNaN(postTaxDeductions) || postTaxDeductions 200000) { medicareTaxAnnual += (annualGrossPay – 200000) * 0.009; } else if (federalFilingStatus === 'married' && annualGrossPay > 250000) { medicareTaxAnnual += (annualGrossPay – 250000) * 0.009; } // Federal Income Tax (Simplified 2024 brackets and standard deductions) var standardDeduction = 0; var taxBrackets = []; // [ { rate: X, min: Y, max: Z }, … ] if (federalFilingStatus === 'single') { standardDeduction = 14600; taxBrackets = [ { rate: 0.10, min: 0, max: 11600 }, { rate: 0.12, min: 11600, max: 47150 }, { rate: 0.22, min: 47150, max: 100525 }, { rate: 0.24, min: 100525, max: 191950 }, { rate: 0.32, min: 191950, max: 243725 }, { rate: 0.35, min: 243725, max: 609350 }, { rate: 0.37, min: 609350, max: Infinity } ]; } else if (federalFilingStatus === 'married') { // Married Filing Jointly standardDeduction = 29200; taxBrackets = [ { rate: 0.10, min: 0, max: 23200 }, { rate: 0.12, min: 23200, max: 94300 }, { rate: 0.22, min: 94300, max: 201050 }, { rate: 0.24, min: 201050, max: 383900 }, { rate: 0.32, min: 383900, max: 487450 }, { rate: 0.35, min: 487450, max: 731200 }, { rate: 0.37, min: 731200, max: Infinity } ]; } var taxableIncomeAfterDeduction = Math.max(0, federalTaxableGrossAnnual – standardDeduction); var taxFromBrackets = 0; var previousBracketMax = 0; for (var i = 0; i previousBracketMax) { var amountInThisBracket = Math.min(taxableIncomeAfterDeduction, bracketMax) – previousBracketMax; taxFromBrackets += amountInThisBracket * bracketRate; } previousBracketMax = bracketMax; } // Simplified Dependent Tax Credit (Child Tax Credit for children under 17, Other Dependent Credit for others) // For simplicity, assume $2000 per child dependent, $500 for other dependents. // This is a very simplified approximation and doesn't account for phase-outs or specific W-4 instructions. var dependentCredit = federalDependents * 2000; // Assuming all are child dependents for simplicity federalIncomeTaxAnnual = Math.max(0, taxFromBrackets – dependentCredit); federalIncomeTaxAnnual += additionalFederalWithholding * payFrequency; // Add annual additional withholding // — Indiana State Tax (2024) — var indianaStateTaxRate = 0.0315; // 3.15% for 2024 var indianaPersonalExemptionValue = 1000; // $1,000 per exemption var indianaExemptionAmountAnnual = stateAllowances * indianaPersonalExemptionValue; var indianaStateTaxableIncomeAnnual = Math.max(0, stateTaxableGrossAnnual – indianaExemptionAmountAnnual); var indianaStateTaxAnnual = indianaStateTaxableIncomeAnnual * indianaStateTaxRate; // — Indiana County Tax — var indianaCountyTaxAnnual = localTaxableGrossAnnual * countyRate; // — Per Period Calculations — var socialSecurityTaxPerPeriod = socialSecurityTaxAnnual / payFrequency; var medicareTaxPerPeriod = medicareTaxAnnual / payFrequency; var federalIncomeTaxPerPeriod = federalIncomeTaxAnnual / payFrequency; var indianaStateTaxPerPeriod = indianaStateTaxAnnual / payFrequency; var indianaCountyTaxPerPeriod = indianaCountyTaxAnnual / payFrequency; var totalTaxesPerPeriod = socialSecurityTaxPerPeriod + medicareTaxPerPeriod + federalIncomeTaxPerPeriod + indianaStateTaxPerPeriod + indianaCountyTaxPerPeriod; var netPay = grossPay – totalPreTaxDeductionsPerPeriod – totalTaxesPerPeriod – postTaxDeductions; // Display results var resultsHtml = '

Summary per Pay Period

'; resultsHtml += 'Gross Pay: $' + grossPay.toFixed(2) + ''; resultsHtml += 'Total Pre-tax Deductions: $' + totalPreTaxDeductionsPerPeriod.toFixed(2) + ''; resultsHtml += 'Taxable Gross: $' + (grossPay – totalPreTaxDeductionsPerPeriod).toFixed(2) + ''; resultsHtml += 'Social Security Tax: $' + socialSecurityTaxPerPeriod.toFixed(2) + ''; resultsHtml += 'Medicare Tax: $' + medicareTaxPerPeriod.toFixed(2) + ''; resultsHtml += 'Federal Income Tax: $' + federalIncomeTaxPerPeriod.toFixed(2) + ''; resultsHtml += 'Indiana State Tax: $' + indianaStateTaxPerPeriod.toFixed(2) + ''; resultsHtml += 'Indiana County Tax: $' + indianaCountyTaxPerPeriod.toFixed(2) + ''; resultsHtml += 'Total Taxes: $' + totalTaxesPerPeriod.toFixed(2) + ''; resultsHtml += 'Post-tax Deductions: $' + postTaxDeductions.toFixed(2) + ''; resultsHtml += 'Estimated Net Pay: $' + netPay.toFixed(2) + ''; document.getElementById('result').innerHTML = resultsHtml; }

Understanding Your Indiana Paycheck: A Comprehensive Guide

Navigating your paycheck can sometimes feel like deciphering a complex code. For residents of Indiana, understanding the various deductions, taxes, and contributions is key to managing personal finances effectively. Our Indiana Paycheck Calculator is designed to help you estimate your net pay, providing clarity on how your gross earnings translate into the money you take home.

How Your Indiana Paycheck is Calculated

Your net pay (what you actually receive) is determined by subtracting various deductions and taxes from your gross pay (your total earnings before any deductions). Here's a breakdown of the typical components:

1. Gross Pay

This is your total earnings for a given pay period before any taxes or deductions are taken out. It includes your regular wages, salary, commissions, bonuses, and any other taxable income.

2. Pre-tax Deductions

These are amounts subtracted from your gross pay before taxes are calculated. Because they reduce your taxable income, they can lower your overall tax liability. Common pre-tax deductions include:

401(k) Contributions: Money you contribute to a retirement plan.
Health Insurance Premiums: Payments for your employer-sponsored health coverage.
Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs): Contributions to these accounts for healthcare expenses.
Other Pre-tax Benefits: Such as dependent care FSAs or certain commuter benefits.

3. Federal Taxes

After pre-tax deductions, your adjusted gross income is subject to federal taxes. These include:

Federal Income Tax: This is a progressive tax, meaning higher earners pay a larger percentage of their income. The amount withheld depends on your gross pay, filing status (Single, Married Filing Jointly, etc.), and the number of dependents and other adjustments you claim on your W-4 form.
Social Security Tax: This funds retirement, disability, and survivor benefits. For 2024, the rate is 6.2% on earnings up to $168,600.
Medicare Tax: This funds hospital insurance for the elderly and disabled. The rate is 1.45% on all earnings. An additional 0.9% Medicare tax applies to wages above certain thresholds ($200,000 for single filers, $250,000 for married filing jointly).

4. Indiana State Income Tax

Indiana has a flat state income tax rate. For 2024, the rate is 3.15%. However, you can claim personal exemptions, which reduce your taxable income. Each exemption (for yourself, your spouse, and each dependent) is worth $1,000, effectively lowering the amount of income subject to state tax.

5. Indiana County Income Tax

Many counties in Indiana levy their own local income tax, which is withheld from your paycheck. These rates vary significantly by county, ranging from 0% in some areas to over 3% in others. Our calculator includes a selection of common Indiana counties to help you estimate this deduction.

6. Post-tax Deductions

These are deductions taken from your pay after all applicable taxes have been calculated. They do not reduce your taxable income. Examples include:

Roth 401(k) contributions
Union dues
Garnishments
Charitable contributions
Life insurance premiums (if not pre-tax)

Example Calculation: A Bi-Weekly Paycheck in Marion County

Let's walk through an example using realistic numbers for an Indiana resident:

Gross Pay per Pay Period: $1,500 (Bi-weekly)
Pay Frequency: Bi-Weekly (26 pay periods per year)
Federal Filing Status: Single
Federal Dependents: 0
Additional Federal Withholding: $0
Indiana State Allowances: 1 (for self)
Indiana County: Marion County (2.00% tax rate)
Pre-tax 401(k) Contribution: $100 per period
Pre-tax Health Insurance Premium: $50 per period
Other Pre-tax Deductions: $0
Post-tax Deductions: $20 per period (e.g., union dues)

Annual Gross Pay: $1,500 * 26 = $39,000

Total Pre-tax Deductions per Period: $100 (401k) + $50 (Health) = $150

Annual Pre-tax Deductions: $150 * 26 = $3,900

Annual Taxable Gross (Federal/State/Local): $39,000 – $3,900 = $35,100

Federal Taxes:

Social Security Tax: $39,000 * 0.062 = $2,418 annually / 26 = $93.00 per period
Medicare Tax: $39,000 * 0.0145 = $565.50 annually / 26 = $21.75 per period
Federal Income Tax (Simplified):
- Annual Taxable Income after Standard Deduction ($35,100 – $14,600) = $20,500
- Tax on $11,600 @ 10% = $1,160
- Tax on ($20,500 – $11,600) = $8,900 @ 12% = $1,068
- Total Federal Income Tax = $1,160 + $1,068 = $2,228 annually / 26 = $85.69 per period

Indiana State Tax:

Annual Taxable Income after Exemption: $35,100 – ($1,000 * 1 allowance) = $34,100
Indiana State Tax: $34,100 * 0.0315 = $1,074.15 annually / 26 = $41.31 per period

Indiana County Tax (Marion County):

Annual Taxable Income: $35,100
Marion County Tax: $35,100 * 0.0200 = $702.00 annually / 26 = $27.00 per period

Summary per Pay Period:

Gross Pay: $1,500.00
Pre-tax Deductions: $150.00
Social Security Tax: $93.00
Medicare Tax: $21.75
Federal Income Tax: $85.69
Indiana State Tax: $41.31
Indiana County Tax: $27.00
Post-tax Deductions: $20.00
Total Deductions & Taxes: $150 + $93 + $21.75 + $85.69 + $41.31 + $27 + $20 = $438.75
Estimated Net Pay: $1,500 – $438.75 = $1,061.25

Using our calculator with these inputs should yield a similar result, helping you quickly understand your take-home pay.

Disclaimer

This Indiana Paycheck Calculator provides estimates for informational purposes only. Tax laws and rates can change, and individual circumstances (such as specific deductions, credits, or additional income) can significantly affect actual take-home pay. For precise calculations and personalized financial advice, please consult with a qualified tax professional or refer to the official IRS and Indiana Department of Revenue resources.