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Illinois Paycheck Calculator 2026

Net take-home pay in Illinois after federal tax, the flat 4.95% state income tax and FICA. No Illinois city, Chicago included, taxes wages; results update instantly. 2026 tax rates.

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Type your gross salary on the left and your full take-home breakdown, taxes, deductions and net pay, updates instantly.

Estimates only. This calculator uses 2026 federal and state tax rates for illustrative purposes. It does not account for all possible deductions, credits, local taxes, or individual circumstances. Consult a tax professional or use official IRS tools for accurate withholding calculations.

Paycheck Calculator FAQ

What is the Illinois state income tax rate?

A flat 4.95% on net income for everyone, from apprentices to superintendents. Illinois has no brackets; the only relief is the personal exemption allowance, $2,925 per person claimed in 2026, which removes a slice of income from tax. A 2020 ballot measure to introduce graduated rates failed, so the flat rate is constitutionally locked in for now.

Does Chicago have a city income tax?

No. Illinois law does not allow municipalities to tax wages, so Chicago takes nothing from your paycheck, a real advantage over New York City (up to 3.876%) or Philadelphia (~3.75%). Cook County and the city recover revenue through property, sales, fuel and transaction taxes, none of which are withheld from payroll.

How does the flat 4.95% tax treat overtime and raises?

Identically to base pay. Because there are no brackets, a Chicago union electrician clearing heavy overtime pays exactly 4.95% on those extra dollars, the same as the first hour of the year, which makes Illinois withholding unusually easy to predict. Only the federal brackets introduce progression.

How much of my salary do I keep in Illinois?

Typically 71-80% for salaries between $40,000 and $120,000 (single filer, standard federal deduction) after federal tax, the flat 4.95% state tax and FICA. A $65,000 salary nets about $50,900. Enter your exact salary, filing status and deductions in the calculator for a precise breakdown.

Illinois Take-Home

Take-home pay in Illinois: what makes it different

An Illinois paycheck loses federal income tax, Social Security (6.2%), Medicare (1.45%) and a flat 4.95% state income tax, softened slightly by a $2,925 personal exemption allowance per person in 2026. Crucially, no Illinois municipality taxes wages: a Chicago paycheck loses nothing to the city, unlike New York City or Columbus. A single filer earning $65,000 takes home about $50,900 a year (78%). Enter any gross salary for the exact breakdown.

Illinois: illinois paycheck calculator β€” State income tax Flat 4.95% (no brackets), Local wage tax None, Chicago does not tax wages, Personal exemption $2,925 per person (2026). Simplified outline of Illinois, stylised and not to scale.
Simplified outline of Illinois β€” a stylised shape, not to scale.
4.95%
Illinois state income tax
78%
Take-home at $65k, single filer, standard deduction
$53,100
Married filing jointly take-home at $65k (82%)

How much is your salary after taxes in Illinois? (2026)

Estimated annual and monthly take-home for a single filer taking the standard deduction. Enter your exact figures in the calculator above for a personalised breakdown.

Married filing jointly? A household earning $65,000 in Illinois keeps about $53,100 (~82%) β€” thanks to a larger standard deduction and wider brackets.

Gross salaryFederal + FICATake-home / yrTake-home / mo% kept
$40,000$7,801$32,199$2,68380%
$50,000$10,261$39,739$3,31279%
$60,000$12,721$47,279$3,94079%
$70,000$15,834$54,166$4,51477%
$80,000$19,294$60,706$5,05976%
$90,000$22,754$67,246$5,60475%
$100,000$26,214$73,786$6,14974%
$120,000$33,167$86,833$7,23672%
Is Illinois a high-tax state for wage earners?

Middling. The 4.95% flat rate sits above Michigan (4.25%) and Indiana's state rate (3.05%), but Indiana's county taxes and Ohio's municipal taxes close most of that gap, and Wisconsin's 5.3% middle bracket withholds more at trade salaries. Illinois' heavier burdens are property and sales taxes, which never touch your paycheck.

How does Illinois take-home compare to nearby states?

Within about $1,000 a year of most neighbors at a $65,000 salary. Indiana withholds slightly less (3.05% state plus ~1-2% county), Missouri and Iowa are comparable, and Wisconsin slightly more. The bigger swing is against no-tax states: a Tennessee or Texas worker at the same gross keeps about $3,200 more.

What deductions come out of an Illinois paycheck?

Federal income tax, Social Security (6.2% to $176,100), Medicare (1.45%, plus 0.9% over $200,000), the flat 4.95% Illinois tax after exemption allowances, and any voluntary pre-tax items, 401(k), health premiums, HSA/FSA and union dues. There is no state disability or paid-leave premium and no local wage tax.

Illinois salary calculatorIllinois trade salary guidesPaycheck calculator, all states
Sources & methodology

Take-home figures apply 2026 federal income-tax brackets and the standard deduction, Social Security (6.2% to the $176,100 wage base) and Medicare (1.45%). Primary sources: IRS Β· Illinois Department of Revenue Β· Illinois Department of Employment Security. Reviewed 2026-07-21 by the GlobalCybers Data Desk Β· estimates only, not tax advice. Full methodology β†’

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Paycheck calculator by state

State income tax is the single biggest swing in your take-home pay, from 0% in nine states to 13.3% at the top in California. Pick your state to see net pay after federal tax, FICA and state tax on any salary. States marked No tax have no state income tax.

AlabamaAlaskaNo taxArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaNo taxGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNo taxNew HampshireNo taxNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaNo taxTennesseeNo taxTexasNo taxUtahVermontVirginiaWashingtonNo taxWashington D.C.West VirginiaWisconsinWyomingNo tax