Last updated: 2025 BLS data · Page refreshed:
How much does a Clinical and Counseling Psychologists actually take home in Indiana?
3.0% flat rate — 23.1% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Clinical and Counseling Psychologists earning $84,990 in Indiana (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $84,990 | — |
| Federal Income Tax | -$10,538 | 12.4% |
| Indiana State Income Tax | -$2,592 | 3.1% |
| Social Security (OASDI) | -$5,269 | 6.2% |
| Medicare | -$1,232 | 1.5% |
| Total Taxes | -$19,632 | 23.1% |
| Take-Home Pay | $65,357 | 76.9% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Clinical and Counseling Psychologists in Indiana.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $56,200 | -$10,773 | $45,426 | 19.2% |
| 25th Percentile (P25) | $77,370 | -$17,140 | $60,229 | 22.2% |
| Median (P50) | $84,990 | -$19,632 | $65,357 | 23.1% |
| 75th Percentile (P75) | $101,540 | -$25,044 | $76,495 | 24.7% |
| 90th Percentile (P90) | $129,110 | -$34,339 | $94,770 | 26.6% |
After federal income tax ($10,538), state tax ($2,592), and FICA ($6,501), a Clinical and Counseling Psychologists in Indiana takes home $65,357 per year — or $5,446 per month. The effective tax rate of 23.1% is relatively low compared to the national range.
With an effective total rate of 23.1%, a Clinical and Counseling Psychologists in Indiana keeps $65,357 of $84,990 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Indiana applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Clinical and Counseling Psychologists salary that contributes $2,592 to the 3.1% effective state-tax burden.
Federal tax on this Clinical and Counseling Psychologists salary is $10,539 (54%), but combined state ($2,592, 13%) + FICA ($6,502, 33%) make up the other 46% of the bill.
Moving this same Clinical and Counseling Psychologists salary to a zero-state-tax state would yield around $67,949 net — a gain of $2,592 (4.0%) per year versus Indiana.
Indiana ranks #34 of 48 states for Clinical and Counseling Psychologists after-tax pay — lower half of the national distribution. Either gross wages trail the national median, state tax is elevated, or both.
Translated into paycheck cadences, $65,357 net/year works out to $5,446/month or $2,514/bi-weekly for this Clinical and Counseling Psychologists in Indiana — the numbers that actually hit a checking account after every deduction.
Where does a Clinical and Counseling Psychologists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Indiana ranks #34 out of 48 states for Clinical and Counseling Psychologists after-tax take-home pay.
A Clinical and Counseling Psychologists in Indiana earning a median salary of $84,990 will take home approximately $65,357 per year after federal income tax ($10,538), state income tax ($2,592), and FICA ($6,501). That is $5,446 per month or $2,513 per bi-weekly paycheck.
The effective total tax rate for a Clinical and Counseling Psychologists in Indiana is 23.1%, broken down as: federal income tax 12.4%, Indiana state tax 3.1%, and FICA (Social Security + Medicare) 7.7%. This assumes a single filer with the standard deduction for 2024.
Indiana has a 3.0% flat rate. On a Clinical and Counseling Psychologists's median salary of $84,990, the state income tax amounts to $2,592 per year, which is an effective state rate of 3.1%.
After all taxes, a Clinical and Counseling Psychologists in Indiana takes home approximately $5,446 per month, or about $31.42 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $84,990 for Clinical and Counseling Psychologists in Indiana, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Indiana state income tax (3.0% flat rate), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $65,357/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR