Illinois Paycheck Calculator
Illinois uses a single flat rate, which makes state withholding easy to estimate. Enter your pay details to see federal tax, Illinois tax and your net paycheck.
Per-Paycheck Breakdown
2026 Tax RulesUpdated October 2026 · 2026 federal and Illinois rates ·methodology
What comes out of an Illinois paycheck
Illinois applies a flat 4.95% rate to taxable income. There is no local income tax in Illinois, so the state line on your paycheck is the same whether you work in Chicago or downstate.
One flat 4.95% rate
Illinois taxes wages at a flat 4.95% after the state allowance. The rate does not rise with income, so high earners pay the same percentage as middle earners on taxable wages.
Where an Illinois paycheck goes
- Federal income tax$6,570
- FICA$5,355
- Illinois income tax$3,320
- Take-home pay$54,755
A flat 4.95% rate makes the state line easy to verify: taxable wages × 4.95%.
Illinois take-home pay after taxes by salary
Illinois has no local income tax, so the state column is the full state withholding.
| Gross salary | Take-home / yr | Per paycheck |
|---|---|---|
| $50,000 | $40,025 | $1,539 |
| $70,000 | $54,755 | $2,106 |
| $95,000 | $71,105 | $2,735 |
| $150,000 | $106,511 | $4,097 |
Illinois after-tax pay at other salaries
Open a nearby salary for the same state and the same 2026 assumptions.
Illinois hourly wage after tax
- $18/hr · $37,440/yr≈ $14.69/hr net
- $28/hr · $58,240/yr≈ $22.23/hr net
- $40/hr · $83,200/yr≈ $30.47/hr net
The 4.95% rate is the same for hourly and salaried workers anywhere in Illinois.
Illinois income tax rate
- State system
- Flat tax
- Rate range
- 4.95%
- Local income tax
- None
Rates used by this calculator. Confirm the current year with the Illinois Department of Revenue.
Illinois income tax rate (single filer)
Illinois uses one flat 4.95% rate, so there are no higher brackets to reach.
| Taxable income | Rate |
|---|---|
| All taxable income | 4.95% |
Illinois local taxes and retirement income
Illinois does not allow local income taxes, but other state and local taxes still affect your overall budget.
No local income tax
Illinois municipalities and counties cannot impose a local personal income tax. Payroll withholding is limited to the state rate.
Retirement income
Illinois does not tax most retirement income, including Social Security and qualified retirement plan distributions. That matters for older workers planning cash flow.
Property and sales taxes
Illinois relies heavily on property taxes, and Chicago adds substantial sales and other local taxes. Those costs are outside the paycheck calculation.
What Illinois income tax costs vs Texas
Texas has no wage income tax, so the gap below is what Illinois takes for state income tax at each salary, while federal income tax and FICA stay the same.
| Gross salary | Take-home in Illinois | Difference |
|---|---|---|
| $50,000 | $40,025 | −$2,330 |
| $70,000 | $54,755 | −$3,320 |
| $95,000 | $71,105 | −$4,558 |
| $150,000 | $106,511 | −$7,280 |
State income tax and any state payroll insurance are included.
Illinois net pay by filing status and pay frequency
Illinois figures use the same $70,000 salary, the $2,925 standard deduction, and no pre-tax deductions. Married figures assume a joint return with one income.
| Filing status | Take-home / yr | Per check |
|---|---|---|
| Single | $54,755 | $2,106 |
| Married filing jointly | $57,430 | $2,209 |
How often you are paid
- Weekly (52/yr)$1,053
- Bi-Weekly (26/yr)$2,106
- Semi-Monthly (24/yr)$2,281
- Monthly$4,563
Annual Illinois take-home divided across the standard number of pay periods.
Money moves for an Illinois paycheck
State-specific points that change the number at the bottom of your check.
Property tax is the bigger variable
Illinois income tax is flat, but property taxes are among the highest in the country. Factor them in if you plan to buy.
Retirement income is largely exempt
Most Social Security and qualified retirement distributions are not taxed by Illinois, which matters for long-term planning.
Chicago has no wage income tax
Chicago adds sales, property and other local taxes, but it does not impose a separate city income tax on wages.
Working in Illinois: what to expect
Illinois has a simple state income tax but some of the highest property taxes in the country. For homeowners, that can outweigh the benefit of a flat, moderate income tax rate.
Chicago offers the largest job market and the highest cost of living, while cities such as Springfield, Peoria and Rockford are considerably cheaper. The state income tax is identical in all of them.
Because Illinois does not tax most retirement income, it can be attractive for older workers. Younger workers should weigh the flat income tax against property taxes and local sales taxes.