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Illinois Paycheck Calculator (2026)

Last reviewed: April 20, 2026

Illinois applies a flat 4.95% state income tax to wage income. Voters rejected a graduated rate amendment at the 2020 ballot, so the flat rate stays in place across all income levels. Illinois does not levy a personal income tax in Chicago or Cook County, and the state has no general State Disability Insurance program funded by payroll. For most Illinois residents, the payroll deductions visible on a pay stub are federal income tax, FICA, and the 4.95% state line. The Illinois standard exemption and personal exemption allowance still reduce taxable income, but the flat-rate structure means the bracket-shifting tax planning common in graduated states does not apply here. This calculator estimates 2026 Illinois take-home pay after federal tax, FICA, and state tax, with support for pre-tax 401(k) and HSA contributions.

vs. baseline ($85,000 single filer)

A $85,000 salary in Illinois takes home approximately $4,200 less than the same salary in a no-income-tax state like Texas or Florida.

Illinois state tax breakdown

Single-filer state income tax brackets used by the calculator for 2026.

Taxable IncomeRate
$0+4.95%

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Illinois paycheck FAQ

Does Illinois have a graduated state income tax?
No. Illinois applies a flat 4.95% rate to all taxable income for personal income tax purposes. A 2020 ballot measure to allow graduated rates was rejected by voters, so the flat structure has stayed in place since.
Does Chicago tax wages?
Chicago does not levy a personal income tax on residents. The city does collect employer-side payroll fees in certain categories, but those are not withheld from an employee's paycheck the way a city income tax would be. For most Chicago wage earners, the visible state and local income tax line is just the 4.95% Illinois rate.
How does Illinois compare to neighboring Indiana or Iowa?
Indiana is also flat at 3.05%, plus county-level local income taxes that can add 1% to 2% in many counties. Iowa moved to a 3.8% flat rate. Pure state-rate comparison shows Illinois highest of the three, but Indiana's county-level local tax narrows or closes the gap depending on county of residence.
Does Illinois have State Disability Insurance?
No. Illinois does not run a State Disability Insurance program funded by employee payroll. Workers who want short-term disability coverage typically obtain it through their employer or a private policy.

Take-home at common salaries for Illinois

Dedicated salary-anchor pages with a federal-state-FICA breakdown, vs-baseline callouts, and a calculator pre-set to that salary and Illinois.

$50,000 after taxesin Illinois$75,000 after taxesin Illinois$100,000 after taxesin Illinois$150,000 after taxesin Illinois$200,000 after taxesin Illinois$250,000 after taxesin Illinois

See also

Run the full US paycheck calculatorCompare to Wisconsin paycheck calculatorCompare to Iowa paycheck calculatorCompare to Missouri paycheck calculatorCompare to Kentucky paycheck calculatorCompare to Indiana paycheck calculatorCompare to Michigan paycheck calculatorCompare to Ohio paycheck calculatorCompare to Pennsylvania paycheck calculatorCompare paycheck taxes between two locationsPaycheck and tax glossaryHow we calculate paycheck taxes

Reviewed

How This Page Is Reviewed

The Illinois paycheck page is reviewed against primary federal and state sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-04-20