Illinois Paycheck Calculator 2026
Calculate your Illinois take-home pay after federal, state, FICA taxes.
Other State Calculators
Illinois Income Tax Overview 2026
Illinois's income tax rate is Flat 4.95% (top rate: 4.95%). Illinois has a constitutionally mandated flat income tax rate of 4.95%. All income is taxed at this same rate regardless of earnings level. The state also doesn't tax retirement income, including Social Security, pensions, and 401(k)/IRA withdrawals, making it tax-friendly for retirees.
Illinois Tax Quick Facts
- State Income Tax: Flat 4.95%
- State Sales Tax: 6.25%
- Local Taxes: Chicago total sales tax is 10.25% (one of the highest in the US).
- Median Household Income: $72,205
How Your Illinois Paycheck Is Calculated
Your take-home pay in Illinois is calculated by subtracting the following from your gross pay:
- Federal Income Tax: Based on 2026 brackets (10% to 37%), after the standard deduction ($15,000 single / $30,000 married).
- Social Security Tax: 6.2% on the first $184,500 of earnings.
- Medicare Tax: 1.45% on all earnings, plus 0.9% on income above $200,000.
- Illinois State Tax: Flat 4.95% on your taxable income.
Tips to Maximize Your Illinois Take-Home Pay
Consider maximizing pre-tax deductions like 401(k) contributions (up to $24,500 in 2026) and HSA contributions ($4,400 individual / $8,750 family). These reduce your taxable income, lowering both federal and state taxes. If you receive a large bonus, be aware it may be withheld at a flat 22% federal rate plus applicable state taxes.
Frequently Asked Questions
Illinois has income tax rates of Flat 4.95% for 2026. Illinois has a constitutionally mandated flat income tax rate of 4.
Use the calculator above to get an exact estimate. A $72,205 salary in Illinois will have federal income tax, Social Security (6.2%), and Medicare (1.45%) deducted, plus Illinois state tax at Flat 4.95%.
Illinois's state sales tax rate is 6.25%. Chicago total sales tax is 10.25% (one of the highest in the US).