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Illinois Tax Calculator

Calculate your Illinois state income tax liability, personal exemptions, effective tax rate, and net take-home pay based on current 4.95% flat tax rules.

Income details

$

Estimated annual Illinois state tax

$3,575.14

Effective rate 4.8% at 5.0% flat rate

Per-paycheck state tax

$3,575.14

Annual take-home after IL tax

$71,424.86

Illinois tax breakdown

Gross annual income$75,000.00
Personal exemptions (1 × $2,775.00)-$2,775.00
Illinois taxable base$72,225.00
Illinois income tax (5.0%)$3,575.14
Net after state income tax$71,424.86
Illinois applies a flat 5.0% individual income tax rate with personal exemption allowances for the 2026 tax year. This calculator estimates state income tax only and does not include federal taxes, FICA, or local taxes. For full paycheck estimates, use the Illinois paycheck calculator.
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How the Illinois tax calculator works

Illinois levies a flat 4.95% state income tax on taxable wages after personal exemption allowances. Each allowance reduces taxable income by $2,775 in 2026. This calculator estimates your Illinois state tax liability, effective tax rate, and net take-home pay after state tax only. All calculations run locally in your browser.

For a full paycheck estimate including federal tax and FICA, use the Illinois paycheck calculator. For federal tax details across all brackets, open the income tax calculator. To compare Illinois with another flat-tax state, see the Colorado paycheck calculator.

Illinois state tax formula

Illinois does not use a standard deduction. Instead, personal exemption allowances reduce taxable income before the flat rate is applied:

Exemption Amount=n×$2,775\mathrm{Exemption\ Amount} = n \times \$2{,}775
IL Taxable=max⁡(0, Gross Income−Exemption Amount)\mathrm{IL\ Taxable} = \max(0,\ \mathrm{Gross\ Income} - \mathrm{Exemption\ Amount})
IL State Tax=IL Taxable×4.95%\mathrm{IL\ State\ Tax} = \mathrm{IL\ Taxable} \times 4.95\%
Take-Home=Gross Income−IL State Tax\mathrm{Take\text{-}Home} = \mathrm{Gross\ Income} - \mathrm{IL\ State\ Tax}

The effective tax rate equals state tax divided by gross income. This tool does not include federal income tax, FICA, or local taxes.

Counting Illinois personal exemptions

The number of allowances (n) depends on filing status and dependents:

  • Single or married filing separately: 1 base allowance plus 1 per dependent.
  • Married filing jointly: 2 base allowances plus 1 per dependent.
  • Head of household: 1 base allowance plus 1 per dependent.

Each allowance is worth $2,775 in 2026, reducing Illinois taxable income before the 4.95% rate is applied.

Worked example: $75,000 gross income, single, no dependents

A single Illinois resident with $75,000 in gross income and no dependents:

  1. Total exemptions: 1 allowance.
  2. Exemption amount: 1 x $2,775 = $2,775.
  3. Illinois taxable income: $75,000 - $2,775 = $72,225.
  4. Illinois state tax: $72,225 x 4.95% = $3,575.14.
  5. State take-home pay: $75,000 - $3,575.14 = $71,424.86. Effective state rate: 4.77%.

Select your pay frequency to see per-paycheck state tax and take-home amounts. For a complete picture including federal withholding, run the Illinois paycheck calculator. To model overtime gross earnings, use the Illinois overtime calculator.

What this calculator does not include

This tool isolates Illinois state income tax only. It does not model federal income tax, Social Security, Medicare, property tax, sales tax, or pre-tax deductions such as 401(k) contributions. For FICA breakdowns, use the FICA tax calculator. To project how a raise affects your overall compensation, try the pay raise calculator.

Frequently asked questions

What is the Illinois state income tax rate for 2026?
Illinois applies a flat 4.95% rate on taxable income after personal exemption allowances. The rate does not change with income level.
How much is each personal exemption worth in Illinois?
Each allowance reduces taxable income by $2,775 in 2026. More dependents mean more allowances and lower state tax.
Does Illinois have a standard deduction?
No. Illinois uses personal exemption allowances instead of a standard deduction to reduce taxable income before applying the flat rate.
Is retirement income taxed in Illinois?
Illinois does not tax most retirement income, including Social Security, pensions, and 401(k) distributions. This calculator focuses on earned wages only.
Why is my effective rate below 4.95%?
Personal exemptions reduce taxable income before the flat rate is applied. On $75,000 gross with one exemption, the effective rate is about 4.77%, not 4.95%.
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.