Illinois Paycheck Calculator 2026
Estimate your take-home pay in Illinois — federal tax, FICA and state tax calculated instantly, per paycheck, per month and per year.
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Income tax in Illinois
Illinois taxes wage income on a progressive schedule — 1 brackets running from 4.95% to 4.95% for single filers. This calculator applies Illinois's real 2026 brackets, its standard deduction ($2,925 single / $5,850 married) and its personal exemption, so the state-tax line follows the actual schedule rather than a flat-rate guess.
Illinois income tax brackets for 2026
Single filers. Each rate applies only to the income falling inside that band — these are marginal rates, not a flat rate on the whole salary.
| Taxable income over | Rate |
|---|---|
| $0 | 4.95% |
State taxable income is your pay after Illinois's standard deduction and personal exemption of $2,925 for a single filer ($5,850 married filing jointly).
How Illinois compares
A single filer earning $100,000 pays $4,805 in Illinois state income tax — 11th of 51, in the upper-middle of the pack. Kansas ($4,780), Massachusetts ($4,780) and South Carolina ($4,843) land within a few hundred dollars either way. The headline 4.95% rate is a marginal rate, so it applies to your last dollar, not your whole salary.
Worked example: $100,000 in Illinois
Take a single filer on $100,000 in Illinois. After the $2,925 standard deduction and personal exemption, state taxable income is $97,075:
| Income band | Rate | Tax |
|---|---|---|
| $0 – $97,075 | 4.95% | $4,805 |
| Total state tax | — | $4,805 |
The effective rate works out to 4.8% of gross salary — far below the 4.95% top marginal rate, because only the last slice of income is taxed at that rate.
Frequently asked questions
Does Illinois have a state income tax?
Yes. Illinois taxes wage income on a progressive schedule with 1 brackets, from 4.95% to 4.95% for single filers. The top rate applies only to income above the highest threshold — it is a marginal rate, not a flat rate.
What is the income tax rate in Illinois?
Illinois's rates run from 4.95% to 4.95% for single filers, applied to income after the $2,925 standard deduction and personal exemption. A single filer on $100,000 pays about $4,805 — an effective rate of 4.8%, well below the 4.95% top rate.
How much is $75,000 after taxes in Illinois?
About $58,025 per year in take-home pay for a single filer with no pre-tax deductions: federal income tax $7,670, FICA $5,738, and Illinois state income tax $3,568.
I'm moving to Illinois. What should I know about taxes?
Illinois is one of the higher state income tax states — for a single filer on $100,000 it collects $4,805, the 11th highest of the 51 jurisdictions covered here. When comparing job offers, compare take-home pay rather than salary, and factor in property and sales taxes too.
How is take-home pay calculated?
Take-home pay equals gross pay minus federal income tax (IRS 2026 brackets and the $16,100 standard deduction), FICA (6.2% Social Security up to $184,500 plus 1.45% Medicare), and Illinois state income tax. For Illinois, state taxable income starts from your pay after the $2,925 standard deduction and personal exemption.
What is FICA tax in 2026?
FICA is 7.65% of wages: 6.2% Social Security on earnings up to the annual wage base ($184,500 for 2026) and 1.45% Medicare on all earnings, plus an extra 0.9% Medicare tax above $200,000 single / $250,000 married. FICA is federal and identical in every state.
Why does my actual paycheck differ from this estimate?
Real paychecks reflect your W-4 withholding choices and pre-tax benefits. For Illinois, no local wage tax applies in this state, though school-district and municipal fees can still apply. This calculator is a planning estimate, not a payroll prediction.