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Illinois Paycheck Calculator

Calculate your Illinois take-home pay after federal taxes, FICA, and Illinois 4.95% flat income tax. Free 2026 paycheck calculator for IL residents.

Pay details

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Net pay per paycheck

$1,870.32

Gross pay per paycheck

$2,500.00

Net annual income

$48,628.24

Paycheck breakdown

  • Take-home pay$48,628.2474.8%
  • Federal + FICA$10,202.5015.7%
  • Illinois state tax$2,919.264.5%

Annual tax breakdown

Federal income tax$5,230.00
Social Security$4,030.00
Medicare$942.50
Illinois state tax$2,919.26
Total tax withheld$13,121.76

Tax rates

Federal marginal rate12.0%
Illinois marginal rate5.0%
Effective tax rate20.2%
Federal brackets, standard deductions, FICA rates, and Illinois tax tables reflect the 2026 tax year. Actual paycheck withholding depends on your W-4, local taxes, and employer payroll settings.
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How the Illinois paycheck calculator works

Illinois uses a flat 4.95% state income tax on taxable wages after personal exemptions. Each allowance reduces taxable income by $2,775 in 2026. This calculator estimates your take-home pay after federal withholding, FICA payroll taxes, and Illinois state tax. All calculations run locally in your browser.

For a full federal tax breakdown, open the income tax calculator. To isolate Social Security and Medicare amounts, use the FICA tax calculator. For Illinois-only state tax details, use the Illinois tax calculator.

What gets withheld from an Illinois paycheck

A typical Illinois W-2 paycheck includes federal tax, FICA, state tax, and voluntary deductions:

  • Federal income tax: Calculated from 2026 IRS brackets, your W-4 filing status, and qualifying child tax credits.
  • FICA taxes: Social Security at 6.2% (capped at the 2026 wage base of $184,500) and Medicare at 1.45%, with an additional 0.9% on wages above $200,000 for single filers.
  • Illinois state income tax: A flat 4.95% applied to gross wages minus pre-tax 401(k) contributions minus personal exemption allowances ($2,775 per allowance in 2026).

Illinois flat tax and personal exemptions

Illinois taxable income uses personal exemptions rather than a standard deduction. Single filers receive one base allowance, married filing jointly filers receive two, and each dependent adds another allowance worth $2,775:

IL Taxable=max⁡(0, Gross−Pre-tax 401(k)−n×$2,775)\mathrm{IL\ Taxable} = \max(0,\ \mathrm{Gross} - \mathrm{Pre\text{-}tax\ 401(k)} - n \times \$2{,}775)
IL State Tax=IL Taxable×4.95%\mathrm{IL\ State\ Tax} = \mathrm{IL\ Taxable} \times 4.95\%

Net pay combines all withholdings:

Net Pay=Gross−Pre-tax−Federal Tax−FICA−IL Tax\mathrm{Net\ Pay} = \mathrm{Gross} - \mathrm{Pre\text{-}tax} - \mathrm{Federal\ Tax} - \mathrm{FICA} - \mathrm{IL\ Tax}

Worked example: $75,000 salary, single, bi-weekly

A single Illinois employee earning $75,000 per year, paid bi-weekly, with no 401(k) contributions and no dependents:

  1. Personal exemptions: 1 allowance x $2,775 = $2,775.
  2. Illinois taxable wages: $75,000 - $2,775 = $72,225.
  3. Illinois state tax: $72,225 x 4.95% = $3,575.14 per year.
  4. Federal taxable income: $75,000 minus $16,100 federal standard deduction = $58,900.
  5. Estimated net per paycheck: About $2,231.44 bi-weekly after all withholdings.

The biweekly pay calculator shows how gross and net amounts spread across 26 paychecks. The salary calculator converts between hourly wages and annual compensation. For overtime earnings, try the Illinois overtime calculator.

Frequently asked questions

What is the Illinois state income tax rate for 2026?
Illinois applies a flat 4.95% state income tax on taxable wages after personal exemption allowances.
How much is each Illinois personal exemption worth?
Each allowance reduces Illinois taxable income by $2,775 in 2026. Single filers get one base allowance, married filing jointly filers get two, and each dependent adds one more.
Do 401(k) contributions reduce Illinois state tax?
Yes. Traditional 401(k) deferrals lower Illinois taxable wages and reduce state withholding. They do not reduce FICA taxes.
What tax year does this calculator use?
Federal brackets, standard deductions, FICA limits, and Illinois exemption amounts reflect the 2026 tax year.
Does Chicago have a local income tax?
Chicago does not levy a city income tax on wages. Illinois state withholding is the only income tax on your paycheck.
Are the results stored on a server?
No. All math runs in your browser. Changing inputs updates the page URL so you can share your scenario.

Resources and references

The formulas and methods in this calculator were checked against these independent sources.