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Illinois Paycheck Calculator

Estimate your 2026 take-home pay after federal tax, FICA, and Illinois state tax

Estimate only — not tax advice. Single-filer assumption, based on standard federal/state calculations. See methodology below for source and last-verified date. For your exact withholding, consult a tax professional or your payroll department.

How to Calculate Your Illinois Take-Home Pay

  1. Start with your gross annual salary.
  2. Subtract the 2026 federal standard deduction ($16,100 single), apply the 2026 federal brackets (10%-37%).
  3. Subtract FICA: 6.2% Social Security (up to $184,500) + 1.45% Medicare (+0.9% above $200,000).
  4. Subtract Illinois's $2,425 personal exemption from gross wages, then apply the flat 4.95% state rate to the remainder.
  5. What's left is your net take-home pay — Illinois has no local income tax.

Example: $65,000/year gross salary, single filer, Illinois resident.

  1. Federal tax: $5,620
  2. FICA: $65,000 × 7.65% = $4,972.50
  3. IL taxable wages: $65,000 - $2,425 = $62,575 → IL tax: $62,575 × 4.95% = $3,097.46
  4. Net annual pay: $65,000 - $5,620 - $4,972.50 - $3,097.46 = $51,310.04 (≈$4,275.84/month)

How Illinois Paycheck Tax Is Calculated (2026)

Source: Illinois Department of Revenue
Flat state rate4.95%
Personal exemption$2,425
state_tax = max(0, gross_income - 2425) × 0.0495

Federal Tax & FICA (shared across all states)

Federal standard deduction (single)$16,100
Federal brackets10% / 12% / 22% / 24% / 32% / 35% / 37%
Social Security6.2% up to $184,500 wage base
Medicare1.45% on all wages, +0.9% above $200,000

Guideline version 2026-IL-v1 · Last verified 2026-07-26

Illinois Paycheck Calculator FAQ

What is Illinois's state income tax rate?

Illinois charges a flat 4.95% income tax rate on all taxable income — the Illinois Constitution (art. IX, § 3) prohibits graduated rates. Each filer gets a $2,425 personal exemption in 2026.

Does Illinois tax retirement income?

No — Illinois does not tax Social Security, pension income, or 401(k)/IRA withdrawals, making it comparatively favorable for retirees despite the flat wage tax.

Does Illinois have local income tax?

No. Unlike Pennsylvania or Ohio, no Illinois city or county adds a separate local income tax on top of the state's flat 4.95% rate.

Methodology & Source

Illinois state tax figures sourced from Illinois Department of Revenue (https://tax.illinois.gov/), citing 35 ILCS 5/201 — flat 4.95% rate (Illinois Constitution art. IX, § 3 prohibits graduated rates). Federal brackets and FICA constants sourced from the IRS (Revenue Procedure 2025-32).

This is an estimate based on standard single-filer federal, FICA, and IL state calculations. Actual withholding may differ based on your W-4 elections, pre-tax deductions (401k, health insurance), and other factors.

Guideline version: 2026-IL-v1 · Effective: 2017-07-01 · Last verified: 2026-07-26