Indiana income tax calculator
Estimate your 2026 Indiana and federal income tax and whether you will get a refund. A single filer earning $75,000 owes about $2,183 in Indiana income tax and $7,676 in federal income tax.
By John Crane, MBA & the Editorial Team · Updated for the 2026 tax year. How we check our numbers
Estimated federal amount owed
$876.00
Federal tax $9,876 · Indiana owed $2,478
| Federal tax | $9,876 | 11.6% |
|---|---|---|
| Indiana and local tax | $2,478 | 2.9% |
| Income after these taxes | $72,646 | 85.5% |
- Adjusted gross income
- $85,000
- Taxable income
- $68,900
- Deduction used
- Standard $16,100
- Federal bracket
- 22%
- Effective federal rate
- 11.6%
- IN tax after credits
- $2,478
Where your federal tax comes from
Ordinary income by bracketFederal return summary
Form 1040, 2026| Line | Amount |
|---|---|
| Total income | $85,000.00 |
| Adjustments | -$0.00 |
| Adjusted gross income | $85,000.00 |
| Standard deduction | -$16,100.00 |
| Taxable income | $68,900.00 |
| Income tax | $9,876.00 |
| Total federal tax | $9,876.00 |
| Withholding and estimated payments | $9,000.00 |
| Federal amount owed | $876.00 |
Indiana return
2026 rules| Line | Amount |
|---|---|
| State taxable income | $84,000.00 |
| Tax before credits | $2,478.00 |
| State tax after credits | $2,478.00 |
| State withheld | $0.00 |
| State amount owed | $2,478.00 |
- Line rules follow the 2025 IT-40 booklet until the 2026 booklet is published; county rates are the 2026 DN1 rates.
- Pick your county of residence on January 1 to include Indiana county income tax.
Income tax in Indiana
- Indiana's flat rate is 2.95% for 2026, and each county adds its own income tax on the same base, using the county of residence on January 1.
- There is no standard deduction; exemptions are $1,000 per person and dependent, $1,500 more per qualifying child, and $1,000 more for each person 65 or older or blind.
- Social Security is deducted but most retirement income is taxable, and for 2026 only Indiana deducts the federal amounts for tips, overtime and car loan interest (not the senior deduction).
- Renters can deduct up to $3,000 of rent and homeowners up to $2,500 of property tax, and the refundable Indiana EITC is 10% of the federal credit.
2026 income tax at common incomes (wages only, standard deduction)
| Income | Federal tax, single | Indiana tax, single | Indiana rate, single | Indiana tax, married |
|---|---|---|---|---|
| $40,000 | $2,623 | $1,151 | 2.9% | $1,121 |
| $60,000 | $5,023 | $1,741 | 2.9% | $1,711 |
| $75,000 | $7,676 | $2,183 | 2.9% | $2,154 |
| $100,000 | $13,176 | $2,921 | 2.9% | $2,891 |
| $150,000 | $24,734 | $4,396 | 2.9% | $4,366 |
Rates
Top rate 2.95%. At $75,000 of wages, each extra $1,000 adds about $30 of Indiana tax.
Family example
A married couple earning $60,000 with two children and $4,000 of child care: Indiana tax of $1,564 before credits, credits of Indiana EIC ($124), for $1,439 owed.
Local income tax
92 built-in jurisdictions, including Adams County, Allen County, Bartholomew County, Benton County. Pick yours in the calculator.
Examples assume wages only, the standard deduction and no other income. See what comes out of each check in the Indiana paycheck calculator.
More for Indiana: Indiana paycheck calculator · Indiana mortgage calculator · Indiana home affordability calculator
Income tax calculators for other states
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How this is calculated
Federal return
The 2026 Form 1040: standard or itemized deduction, the new Schedule 1-A deductions, tax rates, child tax credit, child and dependent care credit and EITC.
Indiana
Indiana's 2026 resident return: its starting point, Social Security and retirement adjustments, deductions, exemptions, rates and main credits, plus local income tax figured on the state return.
Sources
Official Indiana tax guidance (3 sources), checked for 2026. Line rules follow the 2025 IT-40 booklet until the 2026 booklet is published; county rates are the 2026 DN1 rates.
Sources
Related guides
- How bonuses are taxed in 2026Why a bonus check looks smaller than a paycheck, the 22% federal flat rate, every state's bonus withholding rate, and what you actually owe at tax time.
- 2026 federal income tax brackets and standard deductionThe 2026 tax brackets for every filing status, the standard deduction, how marginal rates really work, and what a typical household pays.
- The 2026 tips and overtime deductions, explainedWho can deduct tips and overtime pay from 2025 through 2028, the limits and phase-outs, what counts, which states follow, and how much they save.
- How to adjust your W-4 so you don't owe at tax timeWhat each step of the 2026 Form W-4 does, how to fix withholding that is too low or too high, and worked examples for two jobs, kids and side income.
- How RSUs are taxedRSUs are taxed as pay when they vest. Why the 22% withheld often falls short, how sell-to-cover works, and the 1099-B mistake that taxes income twice.
- ISO vs NSO stock options: taxes and AMTHow ISOs and NSOs are taxed at exercise and sale, when ISOs trigger the alternative minimum tax, and how many you can exercise before it applies.
- States with no income tax, and what they charge insteadThe nine states with no tax on wages, how much a typical worker saves there, and the sales, property and other taxes that make up the difference.
- Which states tax Social Security benefits in 2026?The states that still tax Social Security, their exemptions and income limits, what a typical retiree pays in each, and how federal tax on benefits works.
- The 2026 SALT deduction cap, explainedThe $40,000 cap on deducting state and local taxes, how it shrinks above $500,000 of income, who should itemize now, and what it saves by state.
Questions
How much Indiana income tax do I pay on $75,000?
About $2,183 for a single filer with only wage income and the standard deduction (2.9% of income), or $2,154 for a married couple filing jointly on the same income. Federal income tax on $75,000 for a single filer is about $7,676.
What is Indiana's top income tax rate in 2026?
2.95% on the highest incomes. At $75,000 of wages, each extra $1,000 adds about $30 of Indiana tax. Local income tax can apply on top.
Does Indiana tax Social Security and retirement income?
Partly. A single retiree aged 67 with $30,000 of Social Security and $30,000 of pension or IRA withdrawals owes about $826 in Indiana income tax in 2026. Exclusions depend on age, income and the type of retirement income.