Illinois Paycheck Calculator

↻ Updated 2026 tax year

See your real take-home pay in Illinois for 2026 — after federal income tax, Social Security and Medicare (FICA) and Illinois state income tax.

Your inputs

Annual salary (gross)

Filing status

401(k) contribution

Pre-tax, reduces federal taxable income

Pay frequency

Take-home / bi-weekly

$2,100

$54,593/yr net

Annual take-home

$54,593

73% of gross

Illinois tax

$3K

4.7% of gross

Where your paycheck goes

Take-home$55K

Federal tax$7K

FICA$6K

Illinois tax$3K

401(k)$5K

Annual breakdown — Illinois

Gross salary$75,000

Pre-tax 401(k)− $4,500

Federal income tax− $6,680

Social Security + Medicare (FICA)− $5,738

Illinois income tax− $3,490

Net take-home pay$54,593

Effective tax rate in Illinois: 21.2% (federal + FICA + state).

ASSUMPTIONS — Uses 2026 federal brackets, the standard deduction for your filing status, 2026 FICA, and Illinois's 2026 state income tax. Estimate only; excludes local income taxes, other pre-tax benefits and credits.

How Illinois taxes your paycheck

Illinois taxes wages at a single flat rate of 4.95%, applied to your income after a per-person exemption allowance. Illinois voters rejected a move to graduated rates in 2020, so the flat structure is firmly in place. The calculator above applies the 4.95% state rate alongside federal income tax and FICA.

Because the rate is flat, everyone pays the same 4.95% on taxable wages regardless of income — there are no brackets to climb.

Illinois doesn't tax retirement income

A notable Illinois feature: the state fully exempts most retirement income — Social Security, pensions, and distributions from 401(k)s and IRAs are not taxed at the state level. That doesn't affect your working paycheck, but it makes Illinois more favorable in retirement than the 4.95% working rate implies.

No local wage income tax

Unlike neighboring Ohio or Pennsylvania, Illinois municipalities — including Chicago — do not levy a local income tax on wages. So the 4.95% state rate, plus federal tax and FICA, is the full income-tax picture on your paycheck. The calculator's state figure is therefore complete, with no local add-on to budget for.

Frequently asked questions

What is the Illinois income tax rate for 2026?

Illinois has a flat 4.95% state income tax on all taxable wages, applied after a small per-person exemption. There are no brackets — everyone pays the same rate.

Does Chicago have a city income tax?

No. Neither Chicago nor any other Illinois city levies an income tax on wages, so your Illinois paycheck has no local income-tax deduction — only the 4.95% state tax, plus federal income tax and FICA.

Paycheck calculators for other states

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Sources & rate references

·IRS Rev. Proc. 2025-32 — 2026 inflation adjustments — Tax year 2026 brackets & standard deduction
·IRS Topic 751 — Social Security & Medicare withholding rates
·Tax Foundation — 2026 State Income Tax Rates and Brackets — State wage-tax estimate; excludes local income taxes

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.