🌽 Illinois
Illinois Paycheck Calculator
Estimate your Illinois take-home pay including federal tax, Illinois's flat 4.95% state tax, and FICA. Results update instantly as you type. Also called a Illinois salary calculator or payroll calculator — works the same whether you're in Chicago, Aurora, Naperville, or anywhere else in the state — no Illinois city or county levies its own income tax.
Your pay details
Results update instantly as you type.
$
%
$
$
$
Take-Home Pay
$0.00
Gross Pay (Annual)$0
Federal Income Tax$0
Illinois State Tax$0
FICA (Social Security + Medicare)$0
Net Pay (Annual)$0
Effective Tax Rate
0%
Pre-tax Deductions
$0
🌽 Illinois has a flat 4.95% state income tax. Every taxpayer pays the same rate regardless of income level.
📋 Assumes a standard W-4. This estimate assumes a single job with no dependents, tax credits, or extra withholding requested on Form W-4. If you claim dependents, work multiple jobs, or requested extra withholding, your actual paycheck will differ from this number.
Illinois take-home pay by salary (2026 estimate)
Single filer, standard deduction, no pre-tax deductions.
| Gross Salary | Federal Tax | FICA | Illinois State Tax | Take-Home Pay |
|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,835 | $32,485 |
| $60,000 | $5,020 | $4,590 | $2,825 | $47,565 |
| $80,000 | $8,770 | $6,120 | $3,815 | $61,295 |
| $100,000 | $13,170 | $7,650 | $4,805 | $74,375 |
| $150,000 | $24,734 | $11,475 | $7,280 | $106,511 |
Illinois tax facts (2026)
Tax structure
Flat rate
State tax rate
4.95%
Personal exemption
$2,925 (single)
Local income tax
None
Illinois tax figures verified against the Illinois Department of Revenue as of mid-2026. Always confirm exact figures with the state before making financial decisions.
How this is calculated
// Illinois taxable income = gross pay − pre-tax deductions − personal exemption
Illinois Tax = (Illinois taxable income) × 4.95%
Take-Home Pay = Gross Pay − Federal Withholding − Illinois Tax − FICA − Pre-tax Deductions
// Federal withholding uses the annualize → bracket → divide method (IRS Pub. 15-T).
// Additional Medicare uses a flat $200,000 threshold regardless of filing status —
// that's the real payroll withholding rule, not a simplification.
// 401(k) reduces federal/IL taxable wages only. Health/HSA/FSA reduce those AND FICA wages.
Illinois Tax = (Illinois taxable income) × 4.95%
Take-Home Pay = Gross Pay − Federal Withholding − Illinois Tax − FICA − Pre-tax Deductions
// Federal withholding uses the annualize → bracket → divide method (IRS Pub. 15-T).
// Additional Medicare uses a flat $200,000 threshold regardless of filing status —
// that's the real payroll withholding rule, not a simplification.
// 401(k) reduces federal/IL taxable wages only. Health/HSA/FSA reduce those AND FICA wages.
Frequently asked questions
Yes. Illinois is one of a handful of states with a flat income tax rate — 4.95% applies to every taxpayer's taxable income regardless of how much they earn. The Illinois constitution actually prohibits a graduated income tax; voters rejected a 2020 ballot measure that would have allowed one.
No. Instead of a standard deduction, Illinois uses a personal exemption — $2,925 per filer for 2026, doubled to $5,850 for joint filers. It works the same way (reduces your taxable income by a fixed amount) but is technically a different mechanism.
No. Illinois cities and counties — including Chicago — do not levy local income taxes. Chicago does have its own set of other taxes (like a payroll expense tax on large employers), but nothing that comes out of an individual employee's paycheck.