Abstract: An ink-jet ink for ink-jet printers is provided, comprising: (a) an aqueous-based vehicle; and (b) an anionic dye complexed with a polyamine in an amount sufficient to form a pH-insensitive, water-soluble, dye:polyamine complex that acts like a cationic dye. Further, a method of converting the anionic dye to the cationic dye for formulating the ink-jet ink having a desired pH is provided. The method comprises adding a sufficient amount of the polyamine to form the dye:polyamine complex. The dye:polyamine complex is a complex of the dye and the polyamine polymer, which is cationic. Consequently, this complex behaves as a cationic dye. These ink-jet inks show remarkable waterfastness on a variety of common office papers and are pH-insensitive and even in some cases, completely pH-independent. These inks are thus stable over a wide pH range.