Illinois Paycheck Calculator 2026
Illinois paycheck tax overview
Illinois has a constitutionally mandated flat income tax of 4.95% that applies uniformly to all income. Illinois does not allow a standard deduction equivalent, though it provides personal exemptions.
Illinois income tax brackets (2026)
| Taxable Income (Single Filer) | State Tax Rate |
|---|---|
| All income | 4.95% |
Note: Bracket thresholds shown above are for single filers before any state standard deductions or personal exemptions. Actual withholding may differ. Figures are 2026 estimates.
2026 take-home pay table — Illinois
Estimated annual net pay for a single filer using the 2026 federal standard deduction ($15,000). State tax uses the brackets above applied to gross pay. Social Security: 6.2% (up to $176,100). Medicare: 1.45%. All figures are estimates — use our paycheck calculator for a personalised result including pre-tax deductions.
| Gross Salary | Federal Tax | FICA | IL State Tax | Est. Net Pay | Monthly | Bi-Weekly |
|---|---|---|---|---|---|---|
| $50,000 | $3,962 | $3,825 | $2,475 | $39,738 | $3,312 | $1,528 |
| $60,000 | $5,162 | $4,590 | $2,970 | $47,278 | $3,940 | $1,818 |
| $75,000 | $8,114 | $5,738 | $3,713 | $57,435 | $4,786 | $2,209 |
| $100,000 | $13,614 | $7,650 | $4,950 | $73,786 | $6,149 | $2,838 |
| $125,000 | $19,247 | $9,563 | $6,188 | $90,002 | $7,500 | $3,462 |
| $150,000 | $25,247 | $11,475 | $7,425 | $105,853 | $8,821 | $4,071 |
How to increase your Illinois take-home pay
Illinois is one of the few states that does not fully conform to federal HSA treatment — check with a tax professional. 401(k) contributions generally do reduce Illinois wages. Illinois also exempts Social Security income from state taxation, benefiting retirees.
- 401(k) / 403(b): Up to $23,500 pre-tax in 2026 ($31,000 ages 50–59 or 64+). Reduces both federal and most state taxable wages simultaneously.
- HSA: Up to $4,300 (self-only) or $8,550 (family) if on a qualifying HDHP. Triple tax advantage: pre-tax in, tax-free growth, tax-free medical withdrawals.
- FSA: Up to $3,300 healthcare or $5,000 dependent-care FSA. Use-it-or-lose-it, but effective at reducing immediate tax burden.
- Update your W-4: If you have significant deductions (mortgage interest, large charitable contributions), claim them on Step 4(b) of your W-4 to reduce withholding and get the benefit each pay period rather than waiting for a refund.
Frequently asked questions — Illinois
How much state income tax is withheld in Illinois?
Illinois withholds income tax at Flat 4.95%. The exact amount depends on your gross pay, pay frequency, filing status, and withholding allowances claimed on your state withholding form.
What is the take-home pay on a $75,000 salary in Illinois?
For a single filer earning $75,000 in Illinois in 2026, estimated annual take-home pay is approximately $57,435 — that's $4,786/month or $2,209 bi-weekly. This assumes the $15,000 federal standard deduction, no pre-tax deductions, and standard FICA withholding.
Does Illinois have local income taxes in addition to state tax?
Most Illinois workers are not subject to additional local income taxes, though some municipalities may have their own levies. Confirm with your employer's payroll department.