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Tax Year 2026Updated July 20, 2026

Illinois Paycheck Calculator 2026

Illinois uses a flat income tax rate of 4.95% on all taxable income. Unlike states with graduated brackets, every dollar you earn above the exemption threshold is taxed at the same rate. Combined with federal income tax and FICA deductions, use the calculator below to see your actual take-home pay per pay period.

Illinois's Flat Income Tax

Illinois levies a flat 4.95% income tax on all taxable income. There are no progressive brackets - whether you earn $30,000 or $300,000, the state rate is the same. This simplifies withholding calculations compared to graduated-bracket states.

Before the flat rate is applied, Illinois subtracts a personal exemption of $2,925 (single) or $5,850 (MFJ), reducing your taxable income.

Some cities levy their own local income or wage taxes. Retirees benefit from full exemption of pension income.

How Your Illinois Paycheck Is Calculated

  1. Gross pay: Your annual salary divided by the number of pay periods.
  2. Federal income tax: 2026 progressive brackets (10%-37%) after the federal standard deduction of $16,100 (single) or $32,200 (MFJ).
  3. Social Security: 6.2% on wages up to $184,500.
  4. Medicare: 1.45% on all wages, plus 0.9% above $200,000 (single).
  5. Illinois state income tax: Flat 4.95% on taxable income.
  6. Local income tax: Some cities in Illinois levy their own income or wage tax (not modeled in this calculator).

Local Income Taxes in Illinois

Illinois does not impose municipal income taxes. Cook County and the City of Chicago impose additional sales taxes and other local taxes but not a local income tax.

Note: This calculator does not include local or city income taxes. If you live or work in a jurisdiction with a local tax, your actual take-home pay will be lower than the estimate shown.

Retirement Income in Illinois

Illinois fully exempts pension and retirement income from state income tax. Social Security benefits are also not taxed. This makes Illinois favorable for retirees from an income tax perspective.

Worked Examples

Example 1: $42,000/year - Married Filing Jointly, Biweekly

Profile: $42,000 annual salary, Married Filing Jointly filer, paid biweekly (26 paychecks/year)

Gross per period: $1,615.38
Federal income tax: -$37.69
Social Security: -$100.15
Medicare: -$23.42
Illinois state income tax: -$79.96
Net take-home pay: $1,374.16 per paycheck ($35,728/year)
Effective total tax rate: 14.93%

Example 2: $175,000/year - Head of Household, Weekly

Profile: $175,000 annual salary, Head of Household filer, paid weekly (52 paychecks/year)

Gross per period: $3,365.38
Federal income tax: -$519.06
Social Security: -$208.65
Medicare: -$48.80
Illinois state income tax: -$166.59
Net take-home pay: $2,422.28 per paycheck ($125,959/year)
Effective total tax rate: 28.02%

Example 3: $95,000/year - Single, Monthly

Profile: $95,000 annual salary, Single filer, paid monthly (12 paychecks/year)

Gross per period: $7,916.67
Federal income tax: -$1,005.83
Social Security: -$490.83
Medicare: -$114.79
Illinois state income tax: -$391.88
Net take-home pay: $5,913.34 per paycheck ($70,960/year)
Effective total tax rate: 25.31%

Illinois Tax Notes

  • Flat tax rate: 4.95% on all taxable income.
  • Supplemental withholding rate: 4.95% for bonuses and supplemental wages.
  • Local income taxes: Some Illinois cities levy their own income or wage tax (not modeled here).

OBBBA Conformity

Illinois has decoupled from the federal OBBBA deductions. The tips and overtime deductions apply only on your federal return. Illinois continues to tax those wages at its regular rates.

Frequently Asked Questions

What taxes are deducted from my Illinois paycheck?
Your Illinois paycheck has deductions for federal income tax (10%-37% progressive brackets), FICA (Social Security + Medicare), and Illinois state income tax at a flat rate of 4.95%. Local/county taxes may also apply depending on where you live.
How accurate is this paycheck calculator?
This calculator estimates take-home pay using 2026 federal and Illinois state tax rates. It models federal income tax, FICA, and state income tax. It does not include pre-tax deductions (401(k), HSA, health insurance premiums), post-tax deductions, or state-specific payroll taxes (disability insurance, paid leave). Your actual paycheck may differ.
How does Illinois's flat income tax work?
Illinois uses a flat tax rate of 4.95% that applies to all taxable income regardless of how much you earn. Unlike graduated-bracket states where higher income is taxed at higher rates, every dollar of taxable income in Illinois is taxed at the same rate. A personal exemption reduces your taxable income before the flat rate is applied.
Is Illinois's flat tax rate applied to all my income?
The flat rate applies to your taxable income, which is your gross income minus any applicable deductions or exemptions. Illinois provides a personal exemption that reduces taxable income. The flat rate does not apply to income below these thresholds.
How does local income tax affect my Illinois paycheck?
Some cities and municipalities in Illinois impose their own income or wage taxes in addition to the state tax. Illinois does not impose municipal income taxes. Cook County and the City of Chicago impose additional sales taxes and other local taxes but not a local income tax. These local taxes are not included in this calculator's estimate, so your actual take-home pay may be lower if you work or live in a jurisdiction with local taxes.
Is my pension or retirement income taxed in Illinois?
No. Illinois fully exempts pension and retirement income from state income tax. Social Security benefits are also not taxed. This makes Illinois a favorable state for retirees from an income tax perspective.
How are bonuses and supplemental wages taxed in Illinois?
Illinois withholds state tax on bonuses, commissions, and other supplemental wages at a flat rate of 4.95%. This may differ from your regular withholding rate. At the federal level, supplemental wages are typically withheld at a flat 22% (or 37% above $1 million).
Does Illinois conform to the OBBBA overtime and tips deductions?
No. Illinois has decoupled from the federal OBBBA deductions for tips and overtime. The federal deductions still reduce your federal taxable income, but Illinois adds them back, so your state tax on those wages is unchanged. Illinois does not conform to the federal OBBBA tips deduction. The federal deduction is added back on Illinois Schedule M. Illinois will still tax tip income at the full 4.95% flat rate.