Illinois
Illinois paycheck calculator
Illinois taxes wages at a flat 4.95%. There is no standard deduction in the state table. There is a personal exemption of $2,925 for a single filer and $5,850 for a joint return, and it disappears if income is over $250,000 single or $500,000 joint. Chicago does not add a city income tax on wages in this model. The cost of living shows up in rent and sales tax, not as a second line under the state tax.
Because the rate is flat, a raise is easy to reason about and still not a simple 4.95% loss. Federal brackets can step up at the same time, and FICA stays at 7.65% until the Social Security wage base. A traditional 401(k) reduces both federal and Illinois wages. It does not reduce FICA. That is the useful experiment on the 401(k) page: the payroll-tax line refuses to move.
Reciprocity with Iowa, Kentucky, Michigan, and Wisconsin can change which state withholds if you live in one and work in another. This estimate taxes the state you select. It does not prepare the exemption certificate or a credit for taxes paid to the work state.
Example take-home
| Salary | Federal | FICA | State | Payroll | Local | Net / year | Net / check |
|---|---|---|---|---|---|---|---|
| $40,000.00 | $2,620.00 | $3,060.00 | $1,835.21 | $0.00 | $0.00 | $32,484.79 | $1,249.41 |
| $60,000.00 | $5,020.00 | $4,590.00 | $2,825.21 | $0.00 | $0.00 | $47,564.79 | $1,829.41 |
| $80,000.00 | $8,770.00 | $6,120.00 | $3,815.21 | $0.00 | $0.00 | $61,294.79 | $2,357.48 |
| $100,000.00 | $13,170.00 | $7,650.00 | $4,805.21 | $0.00 | $0.00 | $74,374.79 | $2,860.56 |
| $150,000.00 | $24,734.00 | $11,475.00 | $7,280.21 | $0.00 | $0.00 | $106,510.79 | $4,096.57 |
Loading the 2026 calculator…
What this page includes
- Federal income tax using the 2026 standard deduction and Rev. Proc. 2025-32 brackets
- Social Security (6.2% up to $184,500) and Medicare (1.45%, plus Additional Medicare when wages clear the filing-status threshold)
- Illinois: flat state income tax at 4.95%
- No employee state disability / paid-leave premium modeled for this state yet
- Local wage tax only if you select a city/county or enter a custom percent
Local tax
Illinois does not have a local wage tax in this file. City costs show up in rent and sales tax, not as a second income-tax line on the stub.
What is not included
Credits, itemized deductions, multi-state credits, property tax, sales tax, and unsourced local rates are not included. Employer payroll tables can differ from this annualized estimate. This Illinois page does not invent taxes that are missing from the 2026 data files.
Questions
Does Chicago have a city income tax?
Not in this paycheck model. Illinois flat tax is the state line. Use a custom local percent only if you truly have a local wage tax.
What is the Illinois exemption?
$2,925 single and $5,850 joint, dropped to zero above $250,000 or $500,000 of income. It is smaller than a federal standard deduction.
Is the 4.95% rate on gross or on taxable wages?
On wages after the exemption and after pre-tax deductions the state allows, including a traditional 401(k) in this model.
Nearby
Compare · Bonus · Hourly · All states · Local taxes
Sources
- IRS newsroom, tax year 2026 inflation adjustments (Rev. Proc. 2025-32)
- Rev. Proc. 2025-32 (PDF)
- Tax Foundation, 2026 federal income tax brackets
- IRS Publication 15-T, Federal Income Tax Withholding Methods
- SSA, Contribution and benefit base
- IRS Publication 15 (Circular E), Employer's Tax Guide
- IRS, Questions and answers for the Additional Medicare Tax
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026
- IRS, state government websites index
See a rate that looks wrong? The sources and the gaps are public.