Illinois Paycheck Calculator

Estimate your 2026 take-home pay in Illinois, which has a flat 4.95% income tax.

By the CalculateBright team · Updated · How we calculate

Pre-tax deductions
  

    How to use the Illinois Paycheck calculator

    1. Enter your numbers. Fill in annual salary, state, pay frequency, filing status.
    2. Enter pre-tax deductions details. Fill in 401 contribution, health insurance / paycheck.
    3. Read your results. Results update instantly. The headline shows the take-home pay per paycheck; the breakdown and table below show the details.
    2026 tax year · reviewed Oct 11, 2026

    Illinois income tax in 2026

    Illinois taxes income at a flat 4.95%. Each personal exemption reduces taxable income by $2,925.

    What makes Illinois different

    The Illinois Constitution requires a flat income tax rate, which is why Illinois has a single 4.95% rate rather than brackets. Each filer gets a personal exemption, which isn’t allowed once income exceeds $250,000 ($500,000 for joint filers). Illinois does not tax most retirement income, including Social Security and qualified pension distributions.

    • Illinois taxes income at a flat 4.95%.
    • The 2026 personal exemption is $2,925 per person; it phases out entirely above $250,000 AGI ($500,000 joint).

    Example take-home pay in Illinois (2026, single, paid biweekly)

    SalaryFederal taxFICAIllinois taxTake-home / yrPer paycheck
    $50,000$3,820$3,825$2,330$40,025$1,539.41
    $75,000$7,670$5,738$3,568$58,025$2,231.72
    $100,000$13,170$7,650$4,805$74,375$2,860.57

    Examples assume the 2026 federal standard deduction and no pre-tax deductions.

    Worked example

    With these inputs: annual salary (gross)$75,000; stateIllinois; pay frequencyEvery 2 weeks; filing statusSingle; 401(k) contribution5%.

    The calculator gives a take-home pay per paycheck of $2,126.36 ($55,285 per year · 26 paychecks). Other results: gross pay per check$2,884.62, total tax rate21.3%, federal marginal rate22%, yearly take-home$55,285.

    What your results mean

    Your Illinois take-home pay is gross pay minus federal income tax, Social Security (6.2%), Medicare (1.45%), Illinois income tax, and any pre-tax deductions you enter. On a $100,000 salary a single filer in Illinois keeps about $74,375 a year in 2026.

    Tips

    • Pre-tax 401(k) contributions lower both your federal and Illinois taxable income.
    • Update your federal W-4 (and state form, if any) after major life changes.
    • Compare with other states: Indiana, Iowa, Kansas, Kentucky.

    Frequently asked questions

    Does Illinois have a state income tax in 2026?

    Yes. Illinois has a flat 4.95% income tax for 2026.

    How much is $75,000 a year after taxes in Illinois?

    About $58,025 per year, or $2,231.72 every two weeks, for a single filer with no pre-tax deductions (2026 estimate).

    How much is $50,000 a year after taxes in Illinois?

    About $40,025 per year ($1,539.41 biweekly) for a single filer in 2026.

    What percentage of a $100,000 salary goes to taxes in Illinois?

    About 25.6% in 2026 for a single filer: federal income tax $13,170, Social Security and Medicare $7,650, and Illinois tax $4,805.

    Are there local income taxes in Illinois?

    This calculator covers state tax only. Illinois does not generally levy city or county income taxes on wages, but check your locality.

    How is Illinois income tax withheld from my paycheck?

    Your employer withholds Illinois tax based on your state withholding certificate and pay frequency. This calculator estimates your annual Illinois tax and spreads it evenly across paychecks, so actual withholding can differ slightly.

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    Sources