Tax year 2026 · Flat 4.95% state tax, no local tax
Illinois Paycheck Calculator 2026
Illinois takes a flat 4.95% of taxable income, and — unlike New York or Philadelphia — there is no city income tax anywhere in the state, Chicago included. Here is what your paycheck actually looks like.
| Item | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,500.00 | $65,000.00 |
| Federal income tax | $216.15 | $5,620.00 |
| Social Security | $155.00 | $4,030.00 |
| Medicare | $36.25 | $942.50 |
| Illinois income tax | $118.18 | $3,072.71 |
| Take-home pay | $1,974.41 | $51,334.79 |
Estimate only. This uses standard withholding assumptions and does not account for W-4 adjustments, multiple jobs, or local city taxes. Not tax advice — see the disclaimer.
Illinois Take-Home Pay at Common Salaries
Estimated take-home for a single filer using the standard deduction with no pre-tax contributions. Your own paycheck will differ based on your W-4, benefits and retirement contributions.
| Gross salary | Federal | FICA | Illinois tax | Take-home | Effective rate |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,835 | $32,485 | 18.8% |
| $50,000 | $3,820 | $3,825 | $2,330 | $40,025 | 20% |
| $60,000 | $5,020 | $4,590 | $2,825 | $47,565 | 20.7% |
| $75,000 | $7,670 | $5,738 | $3,568 | $58,025 | 22.6% |
| $85,000 | $9,870 | $6,503 | $4,063 | $64,565 | 24% |
| $100,000 | $13,170 | $7,650 | $4,805 | $74,375 | 25.6% |
| $125,000 | $18,734 | $9,563 | $6,043 | $90,661 | 27.5% |
| $150,000 | $24,734 | $11,475 | $7,280 | $106,511 | 29% |
Filing jointly changes this. On $100,000 a married couple pays $4,660 in illinois state-level tax rather than $4,805, and keeps about $80,050 against a single filer's $74,375.
Illinois Paycheck Calculator by Pay Frequency
Your annual salary does not change with how often you are paid, but the amount landing in your account each time does. Take-home figures, single filer:
| Annual salary | Weekly | Biweekly | Semi-monthly | Monthly |
|---|---|---|---|---|
| $50,000 | $769.71 | $1,539.41 | $1,667.70 | $3,335.40 |
| $60,000 | $914.71 | $1,829.41 | $1,981.87 | $3,963.73 |
| $75,000 | $1,115.86 | $2,231.72 | $2,417.70 | $4,835.40 |
| $100,000 | $1,430.28 | $2,860.57 | $3,098.95 | $6,197.90 |
Biweekly and semi-monthly are not the same. Biweekly means 26 paychecks a year; semi-monthly means 24 slightly larger ones. Two months a year contain three biweekly paydays, which is why some months feel unexpectedly comfortable.
How Much Is $50,000 After Taxes in Illinois?
A single filer earning $50,000 keeps approximately $40,025 a year, an effective tax rate of 20%.
| Amount | |
|---|---|
| Annual gross | $50,000 |
| Federal income tax | $3,820 |
| Social Security and Medicare | $3,825 |
| Illinois income tax | $2,330 |
| Annual take-home | $40,025 |
| Monthly | $3,335.40 |
| Biweekly | $1,539.41 |
| Weekly | $769.71 |
How Much Is $75,000 After Taxes in Illinois?
A single filer on $75,000 takes home roughly $58,025, an effective rate of 22.6%.
| Amount | |
|---|---|
| Annual gross | $75,000 |
| Federal income tax | $7,670 |
| Social Security and Medicare | $5,738 |
| Illinois income tax | $3,568 |
| Annual take-home | $58,025 |
| Monthly | $4,835.40 |
| Biweekly | $2,231.72 |
| Weekly | $1,115.86 |
That is the same as $36.06 an hour at 40 hours a week — see $35 an hour is how much a year for the hourly comparison.
How Much Is $100,000 After Taxes in Illinois?
A single filer on $100,000 keeps about $74,375, an effective rate of 25.6%.
| Amount | |
|---|---|
| Annual gross | $100,000 |
| Federal income tax | $13,170 |
| Social Security and Medicare | $7,650 |
| Illinois income tax | $4,805 |
| Annual take-home | $74,375 |
| Monthly | $6,197.90 |
| Biweekly | $2,860.57 |
| Weekly | $1,430.28 |
Married filing jointly on the same income keeps roughly $80,050, because of the larger federal and state standard deductions.
A flat rate, constitutionally
Illinois taxes all individual income at 4.95%, regardless of how much you earn.
This is not just policy, it is written into the state constitution, which requires any income tax to be imposed at a non-graduated rate. A 2020 ballot measure to replace it with graduated brackets was rejected by voters, so the flat structure remains.
Illinois gives every taxpayer a personal exemption that reduces taxable income before the rate is applied, with an additional allowance for each dependent.
No city income tax — including Chicago
This surprises people relocating from other major metros. New York City takes up to 3.876% on top of state tax. Philadelphia takes 3.75%. Chicago takes nothing.
Illinois localities are not authorised to levy income taxes at all. They raise revenue through property tax and sales tax instead — and Illinois property taxes are among the highest in the country, which is where the money comes from instead.
For anyone comparing job offers across cities, this matters. A Chicago salary and a New York salary that look identical on paper are not identical in take-home terms.
Retirement income is exempt
Illinois does something few states do: it does not tax retirement income at all.
Distributions from 401(k)s, IRAs, pensions and Social Security benefits are all excluded from Illinois taxable income. For workers this is future planning rather than present relief, but it changes the maths on where to retire and makes traditional pre-tax retirement contributions particularly attractive if you intend to stay in the state.
What actually leaves your paycheck
On a typical Illinois paycheck you will see:
| Deduction | Rate |
|---|---|
| Federal income tax | Per IRS withholding tables and your W-4 |
| Social Security | 6.2% up to $184,500 |
| Medicare | 1.45%, plus 0.9% above $200,000 |
| Illinois income tax | 4.95% of taxable income |
Illinois has no state disability or paid leave payroll premium, so there is nothing equivalent to California's SDI or Washington's PFML deduction.
Where your withholding can go wrong
The most common mismatch between this calculator and a real Illinois stub is the IL-W-4. Illinois uses its own withholding form separate from the federal W-4, and the allowances you claim on it directly change your state withholding.
If you filled out the federal W-4 carefully but ignored the IL-W-4, your state withholding may be set to a default that does not reflect your dependents or additional allowances. It is worth checking — it is a five-minute fix with your HR team.
Common questions
How much is $50,000 after taxes in Illinois?
A single filer keeps about $40,025 a year, or $1,539.41 per biweekly paycheck. That is after $3,820 federal income tax and $3,825 in Social Security and Medicare, at an effective rate of 20%.
How much is $75,000 after taxes in Illinois?
Approximately $58,025 a year for a single filer, or $2,231.72 per biweekly paycheck, at an effective rate of 22.6%.
How much is $100,000 after taxes in Illinois?
About $74,375 for a single filer, an effective rate of 25.6%.
What is the Illinois income tax rate for 2026?
Illinois has a flat individual income tax rate of 4.95%. The Illinois constitution requires a non-graduated rate, and a 2020 ballot measure to change that was rejected by voters.
Does Chicago have a city income tax?
No. Chicago does not levy a city income tax, and no Illinois locality is authorised to. Illinois local governments rely on property and sales taxes instead.
Does Illinois tax retirement income?
No. Illinois excludes 401(k) and IRA distributions, pension income and Social Security benefits from state taxable income entirely.
Why is my Illinois withholding different from this estimate?
Illinois uses its own withholding form, the IL-W-4, separate from the federal W-4. The allowances claimed on it change your state withholding, and many people never complete it properly.