Estimate your net pay per pay period in Indiana by entering your income, filing status, and deductions. This calculator provides an estimate based on current federal and Indiana state/county tax rates for 2024.
Weekly
Bi-weekly
Semi-monthly
Monthly
Single
Married Filing Jointly
Allen County (1.75%)
Marion County (2.00%)
Hamilton County (1.00%)
Lake County (1.50%)
Tippecanoe County (1.20%)
Vanderburgh County (1.20%)
St. Joseph County (1.25%)
Other (Enter Rate Below)
Your Estimated Paycheck:
Gross Pay per Pay Period:
Federal Income Tax:
Social Security Tax:
Medicare Tax:
Indiana State Tax:
Indiana County Tax:
Pre-tax Deductions:
Post-tax Deductions:
Net Pay per Pay Period:
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function toggleIncomeInputs() {
var annualFields = document.getElementById('annualIncomeFields');
var hourlyFields = document.getElementById('hourlyIncomeFields');
var incomeTypeAnnual = document.getElementById('incomeTypeAnnual');
if (incomeTypeAnnual.checked) {
annualFields.style.display = 'flex';
hourlyFields.style.display = 'none';
} else {
annualFields.style.display = 'none';
hourlyFields.style.display = 'flex';
}
}
function toggleCustomCountyRate() {
var indianaCounty = document.getElementById('indianaCounty');
var customCountyRateFields = document.getElementById('customCountyRateFields');
if (indianaCounty.value === 'custom') {
customCountyRateFields.style.display = 'flex';
} else {
customCountyRateFields.style.display = 'none';
}
}
function calculatePaycheck() {
// Input values
var incomeTypeAnnual = document.getElementById('incomeTypeAnnual').checked;
var annualSalary = parseFloat(document.getElementById('annualSalary').value);
var hourlyWage = parseFloat(document.getElementById('hourlyWage').value);
var hoursPerWeek = parseFloat(document.getElementById('hoursPerWeek').value);
var payFrequency = parseFloat(document.getElementById('payFrequency').value); // Number of pay periods per year
var federalFilingStatus = document.getElementById('federalFilingStatus').value;
var additionalFederalWithholding = parseFloat(document.getElementById('additionalFederalWithholding').value);
var indianaCountySelection = document.getElementById('indianaCounty').value;
var customCountyTaxRate = parseFloat(document.getElementById('customCountyTaxRate').value);
var preTaxDeductions = parseFloat(document.getElementById('preTaxDeductions').value);
var postTaxDeductions = parseFloat(document.getElementById('postTaxDeductions').value);
// Validate inputs and set defaults for non-critical fields
if (isNaN(additionalFederalWithholding) || additionalFederalWithholding < 0) additionalFederalWithholding = 0;
if (isNaN(preTaxDeductions) || preTaxDeductions < 0) preTaxDeductions = 0;
if (isNaN(postTaxDeductions) || postTaxDeductions < 0) postTaxDeductions = 0;
var annualGrossPay;
if (incomeTypeAnnual) {
if (isNaN(annualSalary) || annualSalary < 0) {
alert("Please enter a valid Annual Salary.");
return;
}
annualGrossPay = annualSalary;
} else {
if (isNaN(hourlyWage) || hourlyWage < 0) {
alert("Please enter a valid Hourly Wage.");
return;
}
if (isNaN(hoursPerWeek) || hoursPerWeek < 0) {
alert("Please enter valid Hours per Week.");
return;
}
annualGrossPay = hourlyWage * hoursPerWeek * 52; // 52 weeks in a year
}
var grossPayPerPeriod = annualGrossPay / payFrequency;
var indianaCountyRate;
if (indianaCountySelection === 'custom') {
if (isNaN(customCountyTaxRate) || customCountyTaxRate < 0) {
alert("Please enter a valid Custom County Tax Rate.");
return;
}
indianaCountyRate = customCountyTaxRate / 100; // Convert percentage to decimal
} else {
indianaCountyRate = parseFloat(indianaCountySelection);
}
// — Deductions and Taxes Calculation —
// 1. Pre-tax deductions
var annualPreTaxDeductions = preTaxDeductions * payFrequency;
var taxableGrossPerPeriod = grossPayPerPeriod – preTaxDeductions;
if (taxableGrossPerPeriod < 0) taxableGrossPerPeriod = 0; // Cannot be negative
// 2. FICA Taxes (Social Security & Medicare)
var socialSecurityLimit = 168600; // 2024 limit
var socialSecurityRate = 0.062;
var medicareRate = 0.0145;
var annualGrossForFICA = annualGrossPay; // FICA is based on total annual gross
var socialSecurityTaxAnnual = Math.min(annualGrossForFICA, socialSecurityLimit) * socialSecurityRate;
var medicareTaxAnnual = annualGrossForFICA * medicareRate;
var socialSecurityTaxPerPeriod = socialSecurityTaxAnnual / payFrequency;
var medicareTaxPerPeriod = medicareTaxAnnual / payFrequency;
// 3. Federal Income Tax (Simplified 2024 Brackets & Standard Deductions)
var annualTaxableIncomeFederal = annualGrossPay – annualPreTaxDeductions;
if (annualTaxableIncomeFederal < 0) annualTaxableIncomeFederal = 0;
var federalStandardDeduction;
var federalTaxBrackets;
if (federalFilingStatus === 'single') {
federalStandardDeduction = 14600;
federalTaxBrackets = [
{ rate: 0.10, limit: 11600 },
{ rate: 0.12, limit: 47150 },
{ rate: 0.22, limit: 100525 },
{ rate: 0.24, limit: 191950 },
{ rate: 0.32, limit: 243725 },
{ rate: 0.35, limit: 609350 },
{ rate: 0.37, limit: Infinity }
];
} else { // Married Filing Jointly
federalStandardDeduction = 29200;
federalTaxBrackets = [
{ rate: 0.10, limit: 23200 },
{ rate: 0.12, limit: 94300 },
{ rate: 0.22, limit: 201050 },
{ rate: 0.24, limit: 383900 },
{ rate: 0.32, limit: 487450 },
{ rate: 0.35, limit: 731200 },
{ rate: 0.37, limit: Infinity }
];
}
var taxableIncomeAfterStandardDeduction = annualTaxableIncomeFederal – federalStandardDeduction;
if (taxableIncomeAfterStandardDeduction < 0) taxableIncomeAfterStandardDeduction = 0;
var federalIncomeTaxAnnual = 0;
var remainingTaxable = taxableIncomeAfterStandardDeduction;
var previousLimit = 0;
for (var i = 0; i 0) {
var taxedInThisBracket = Math.min(remainingTaxable, bracketAmount);
federalIncomeTaxAnnual += taxedInThisBracket * bracket.rate;
remainingTaxable -= taxedInThisBracket;
}
previousLimit = bracket.limit;
}
var federalIncomeTaxPerPeriod = (federalIncomeTaxAnnual / payFrequency) + additionalFederalWithholding;
if (federalIncomeTaxPerPeriod < 0) federalIncomeTaxPerPeriod = 0; // Cannot be negative
// 4. Indiana State Tax (Flat rate 3.15% for 2024)
var indianaStateTaxRate = 0.0315;
var indianaStateTaxPerPeriod = taxableGrossPerPeriod * indianaStateTaxRate;
// 5. Indiana County Tax
var indianaCountyTaxPerPeriod = taxableGrossPerPeriod * indianaCountyRate;
// 6. Net Pay
var totalDeductions = federalIncomeTaxPerPeriod + socialSecurityTaxPerPeriod + medicareTaxPerPeriod +
indianaStateTaxPerPeriod + indianaCountyTaxPerPeriod + preTaxDeductions + postTaxDeductions;
var netPayPerPeriod = grossPayPerPeriod – totalDeductions;
// Display results
document.getElementById('grossPayResult').innerText = '$' + grossPayPerPeriod.toFixed(2);
document.getElementById('federalTaxResult').innerText = '$' + federalIncomeTaxPerPeriod.toFixed(2);
document.getElementById('socialSecurityResult').innerText = '$' + socialSecurityTaxPerPeriod.toFixed(2);
document.getElementById('medicareResult').innerText = '$' + medicareTaxPerPeriod.toFixed(2);
document.getElementById('indianaStateTaxResult').innerText = '$' + indianaStateTaxPerPeriod.toFixed(2);
document.getElementById('indianaCountyTaxResult').innerText = '$' + indianaCountyTaxPerPeriod.toFixed(2);
document.getElementById('preTaxDeductionsResult').innerText = '$' + preTaxDeductions.toFixed(2);
document.getElementById('postTaxDeductionsResult').innerText = '$' + postTaxDeductions.toFixed(2);
document.getElementById('netPayResult').innerText = '$' + netPayPerPeriod.toFixed(2);
}
// Initial calls to set up the calculator display
toggleIncomeInputs();
toggleCustomCountyRate();
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 crucial to accurately estimate your take-home pay. Our Indiana Paycheck Calculator is designed to simplify this process, providing a clear estimate of your net earnings.
How Your Indiana Paycheck is Calculated
Your net pay (what you actually take home) is determined by subtracting various deductions from your gross pay. These deductions fall into several categories:
1. Gross Pay
This is your total earnings before any deductions. It's calculated based on your annual salary or your hourly wage multiplied by the hours you work and your pay frequency (e.g., weekly, bi-weekly, monthly).
Annual Salary: Your yearly income divided by the number of pay periods.
Hourly Wage: Your hourly rate multiplied by your hours worked per pay period.
2. Pre-tax Deductions
These are deductions taken from your gross pay before taxes are calculated, effectively reducing your taxable income. Common pre-tax deductions include:
Health Insurance Premiums: Contributions to your employer-sponsored health plan.
401(k) or 403(b) Contributions: Retirement savings plans.
Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs): Accounts for healthcare or dependent care expenses.
3. Federal Taxes
The federal government levies several taxes on your income:
Federal Income Tax: This is withheld based on the information you provide on your W-4 form (filing status, dependents, additional withholding). The amount depends on your taxable income and the progressive federal tax brackets. Our calculator uses simplified 2024 federal tax brackets and standard deductions for estimation.
Social Security Tax (OASDI): A flat rate of 6.2% on earnings up to an annual limit ($168,600 for 2024). This funds retirement, disability, and survivor benefits.
Medicare Tax: A flat rate of 1.45% on all earnings, with no income limit. This funds hospital insurance for the elderly and disabled.
4. Indiana State Income Tax
Indiana has a flat state income tax rate. For 2024, the rate is 3.15%. This is applied to your taxable income after federal pre-tax deductions.
5. Indiana County Income Tax
One unique aspect of Indiana payroll is the county income tax. This rate varies significantly depending on which county you live in. Some counties have no local income tax, while others can have rates over 3%. Our calculator includes several common Indiana counties and allows you to input a custom rate if your county isn't listed.
Example County Rates (2024, subject to change):
Allen County: 1.75%
Marion County: 2.00%
Hamilton County: 1.00%
Lake County: 1.50%
6. Post-tax Deductions
These deductions are taken from your pay after all taxes have been calculated. They do not reduce your taxable income. Examples include:
Roth 401(k) Contributions: Retirement savings that are taxed now, but tax-free in retirement.
Union Dues: Fees paid to a labor union.
Garnishments: Court-ordered deductions for debts.
Charitable Contributions: Deductions to charities through payroll.
Example Calculation
Let's consider an example using our calculator with realistic numbers:
Annual Salary: $60,000
Pay Frequency: Bi-weekly (26 pay periods)
Federal Filing Status: Single
Additional Federal Withholding: $0
Indiana County: Marion County (2.00%)
Pre-tax Deductions per Pay Period: $100 (e.g., health insurance)
Post-tax Deductions per Pay Period: $50 (e.g., Roth 401k)
Based on these inputs, the calculator would estimate:
Gross Pay per Pay Period: $2,307.69
Pre-tax Deductions: $100.00
Taxable Gross for State/County: $2,207.69
Federal Income Tax: ~$190.00
Social Security Tax: $143.08
Medicare Tax: $33.46
Indiana State Tax (3.15%): $69.54
Indiana County Tax (2.00%): $44.15
Post-tax Deductions: $50.00
Estimated Net Pay per Pay Period: ~$1,777.46
(Note: Federal tax is an estimate based on annualizing income and standard deductions, then dividing by pay periods. Actual withholding can vary based on W-4 specifics.)
Disclaimer
This Indiana Paycheck Calculator provides estimates for informational purposes only. It is not intended to be financial or tax advice. Actual payroll deductions may vary based on specific W-4 elections, additional benefits, local ordinances, and changes in tax laws. Always consult with a qualified tax professional for personalized advice.