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Free Indiana Income Tax Calculator 2026 — Flat 2.95% Rate

October 17, 2026 · 2 min read · By the DollarWise team

Indiana charges a flat income tax that has been falling every year — 2.95% for 2026 — and counties levy their own income taxes on top. Enter your income and your county rate and this calculator applies Indiana’s real 2026 figures to estimate your state tax, county tax, effective rate, and take-home pay. Educational estimate only; your numbers never leave the browser.

Indiana Income Tax Calculator (2026)

Estimate your 2026 Indiana tax in seconds — real 2.95% flat state rate, optional county tax, effective rate and take-home pay.

100% Free Forever No Sign-up No Credit Card Private — files never leave your browser Unlimited Use

1 Your 2026 income

Gross annual income ($)
Pre-tax deductions — 401(k), HSA etc. ($)
County income tax rate (%)
0 = state tax only. Example: Marion County (Indianapolis) is about 2.02%.
Uses Indiana's 2026 figures: flat 2.95% state rate (scheduled to fall to 2.90% in 2027). County rates range roughly 0.5%–3.5%. Credits and most deductions are excluded. Educational estimate, not tax advice.

2 Your estimate

🧾 2026 Indiana estimate

🎉 Free forever. No sign-up. No credit card. No limits.

Estimate your 2026 Indiana tax — free forever, right in your browser.

How it works

The calculator subtracts pre-tax deductions (401(k), HSA) from gross income to get the base Indiana taxes. It then applies Indiana’s flat 2.95% state rate — down from 3.23% just a few years ago as the state phases toward 2.90% — and adds your county’s income tax on the same base, because Indiana counties (Marion County ~2.02%, for example) levy their own separate rates. The total state-plus-county tax is what you compare against withholding and what drives your effective rate.

Everyday uses

  • Indiana workers — estimate your real state + county withholding, not just the headline 2.95%.
  • New residents — see what Indianapolis, Fort Wayne, or any county costs you in local income tax.
  • Retirees — check how Social Security and pensions are treated in your Indiana estimate.
  • Job changers — compare offers by real take-home, not headline salary.
  • Freelancers — rough out quarterly Indiana estimated payments.