Illinois Paycheck Calculator
Estimate your 2026 take-home pay in Illinois after federal income tax, Illinois state income tax, and FICA.
You keep 74% of your gross pay
Federal income taxAnnual: −$13,170.00
- Gross income
- $100,000
- Federal standard deduction
- −$16,100
- Federal taxable income
- $83,900
| Bracket | Rate | Tax |
|---|---|---|
| $0–$12,400 | 10.0% | $1,240 |
| $12,400–$50,400 | 12.0% | $4,560 |
| $50,400–$105,700 | 22.0% | $7,370 |
| Total | $13,170 | |
Source:IRS Revenue Procedure 2025-32 (drop PDF) — Section 4.01 Tax Rate Tables and Section 3.14 Standard Deduction, tax year 2026fetched June 17, 2026
State income taxAnnual: −$4,805.21
- Gross income
- $100,000
- State standard deduction
- −$2,925
- Illinois taxable income
- $97,075
$97,075 × 4.95% = $4,805
Source:Illinois Department of Revenue — 2026 IL-700-T Withholding Income Tax Tables (4.95%, effective Jan 1, 2026)fetched June 17, 2026
Social SecurityAnnual: −$6,200.00
- Wages subject to Social Security
- $100,000
$100,000 × 6.2% = $6,200
Source:SSA Office of the Chief Actuary — Contribution and Benefit Basefetched June 17, 2026
MedicareAnnual: −$1,450.00
- Wages subject to Medicare
- $100,000
$100,000 × 1.45% = $1,450Medicare has no wage cap.
Source:IRS Topic No. 751 — Social Security and Medicare withholding ratesfetched June 17, 2026
Updated June 17, 2026Source: Illinois Department of Revenue — 2026 IL-700-T Withholding Income Tax Tables (4.95%, effective Jan 1, 2026)
Illinois income tax, explained
Illinois has a flat income tax of 4.95%, a rate its constitution requires to be the same for everyone. Instead of a standard deduction, Illinois grants a personal exemption — $2,925 per person for 2026 — for you, your spouse, and each dependent.
This estimate applies the exemption for the filer (and a spouse, for joint returns). Illinois has no statewide local income tax on wages, so 4.95% is the state rate that applies.
Example take-home pay in Illinois
Single filer, 2026 rates, before any pre-tax deductions.
| Salary | Federal | State | FICA | Take-home | / month |
|---|---|---|---|---|---|
| $50,000 | $3,820 | $2,330 | $3,825 | $40,025 | $3,335 |
| $75,000 | $7,670 | $3,568 | $5,738 | $58,025 | $4,835 |
| $100,000 | $13,170 | $4,805 | $7,650 | $74,375 | $6,198 |
Frequently asked questions
- What is Illinois's income tax rate?
- Illinois has a flat 4.95% income tax. Its constitution requires a single flat rate for all taxpayers.
- Does Illinois have a standard deduction?
- No. Illinois uses a personal exemption of $2,925 per person (2026) instead of a standard deduction.
- Can Illinois switch to graduated tax brackets?
- Not without amending the state constitution. A 2020 ballot measure to allow graduated rates was rejected by voters.
Compare other states
Where you live changes your take-home pay. Compare similar states and popular no-income-taxdestinations — a common check when you’re weighing a move:
Side-by-side comparisons
Estimate only — not tax advice. This calculator gives an approximate take-home figure based on 2026 federal income tax, Social Security and Medicare (FICA), and, where shown, state income tax. It does not account for tax credits (such as the Child Tax Credit or EITC), the Alternative Minimum Tax, preferential capital-gains rates, or itemized deductions beyond the standard deduction. Your actual paycheck may differ. Consult a qualified tax professional for advice specific to your situation.