Illinois Paycheck Calculator (2026)
Estimate your Illinois take-home pay after federal income tax, Social Security, Medicare and Illinois' flat 4.95% income tax.
Illinois flat income tax in 2026
Illinois charges a flat 4.95% income tax on taxable income, no matter how much you earn. The state has no standard deduction. Instead, each taxpayer gets a personal exemption allowance of about $2,925 in 2026, and married couples filing jointly get two.
The exemption phases out completely for high earners (above $250,000 for single filers and $500,000 for joint filers). Illinois does not tax Social Security benefits, and there is no local income tax on wages.
Example take-home pay in Illinois
Single filer, no 401(k), paid every 2 weeks:
Illinois income tax brackets for 2026
These are the rates applied to your Illinois taxable income, which is your pay after the deductions and exemptions described above.
| Single filers | Rate | Married filing jointly | Rate |
|---|---|---|---|
| Over $0 | 4.95% | Over $0 | 4.95% |
Illinois take-home pay at different salaries
Estimated yearly figures for a single filer with no 401(k), using the same rules as the calculator above.
| Salary | Federal tax | Social Security + Medicare | Illinois taxes | Take-home / year | Every 2 weeks | Total tax rate |
|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $1,340 | $24,945 | $959 | 16.9% |
| $50,000 | $3,820 | $3,825 | $2,330 | $40,025 | $1,539 | 20% |
| $75,000 | $7,670 | $5,738 | $3,568 | $58,025 | $2,232 | 22.6% |
| $100,000 | $13,170 | $7,650 | $4,805 | $74,375 | $2,861 | 25.6% |
| $150,000 | $24,734 | $11,475 | $7,280 | $106,511 | $4,097 | 29% |
How to keep more of your paycheck in Illinois
On a $60,000 salary, putting 5% ($3,000) into a traditional 401(k) reduces your yearly take-home pay by about $2,492 (roughly $96 less every 2 weeks). That is less than the full $3,000 because the contribution saves about $360 in federal income tax and about $149 in Illinois tax. The tax you avoid stays in your pocket instead of going to the government.
Filing status also matters. A married couple filing jointly with one $60,000 income takes home about $49,890 a year in Illinois, compared with $47,565 for a single filer, mostly because of the larger standard deduction and wider tax brackets.
How this calculator works
We subtract your 401(k) contribution and the 2026 standard deduction ($16,100 single, $32,200 married filing jointly), then apply the 2026 federal brackets (IRS Rev. Proc. 2025-32). Social Security is 6.2% up to $184,500 of pay, and Medicare is 1.45% (plus 0.9% on high pay). Illinois starts from your pay after 401(k), subtracts the personal exemption and applies a flat 4.95% rate.
Illinois paycheck questions
What is the Illinois income tax rate?
A flat 4.95% for 2026.
Does Illinois have a standard deduction?
No. It uses a personal exemption allowance of about $2,925 per person instead.
Is there local income tax in Illinois?
No. Cities and counties do not charge a local income tax on wages.
Rates last updated: October 2026. This is an estimate and does not include credits, benefits or W-4 changes. Official source: Illinois Department of Revenue.