Updated for 2026 paychecks · flat 4.95%
Illinois Paycheck Calculator 2026: Take-Home Pay at 4.95%
This Illinois paycheck calculator shows your 2026 take-home pay after federal tax and Illinois’s flat 4.95% income tax. Enter your salary or hourly wage, your pay schedule and your W-4 and IL-W-4 choices. You will see each deduction per paycheck and per year.
Illinois uses one rate for everyone, so the math is simple. The details that move your paycheck are your IL-W-4 allowances and your pre-tax benefits.
- Illinois IL-700-T formula (2026)
- IL-W-4 allowance of $2,925
- Federal tax per IRS Publication 15-T
- Free, private, no sign-up
2026Federal + all 50 states + DC
Enter your pay and IL-W-4 allowances. Your 2026 Illinois take-home pay updates as you type.
Example take-home pay
$1,829.42 every two weeks
On a $60,000 salary in Illinois (single filer): $47,565 a year after federal income tax, Social Security, Medicare and state taxes.
Estimates for paychecks paid in 2026 using each agency’s published withholding method. Your employer’s payroll may differ by a few cents through rounding or plan details. This is not tax, legal or financial advice.
Last updated October 21, 2026 · Data: 2026 tax rules in force October 2026 (data 2026.10.2) · By Hamza Akram · How we calculate
How to Use the Illinois Paycheck Calculator
Quick answer
Enter your salary or hourly pay, your pay schedule and your federal W-4 details. Then add the allowances from lines 1 and 2 of your Form IL-W-4. The Illinois paycheck calculator applies the 4.95% state rate, Social Security and Medicare, and shows your take-home pay per check and per year.
Enter your pay.
Salary, or hourly with overtime.
Choose your pay schedule.
Weekly, biweekly, semimonthly or monthly.
Copy your W-4.
Filing status, Step 2 and Step 3 credits.
Copy your IL-W-4.
Line 1 counts you, your spouse and dependents. Line 2 adds one each if you or your spouse are 65 or older or blind.
Add pre-tax deductions.
401(k), health premiums and HSA contributions lower both federal and Illinois tax.
If you never filed an IL-W-4, your employer may withhold Illinois tax on all of your pay with no allowances. As a result, you would get a slightly smaller check than shown here.
Illinois Income Tax Rate 2026
Quick answer
Illinois taxes wages at a flat 4.95%, whatever you earn. For withholding, each line 1 allowance on your IL-W-4 removes $2,925 from yearly wages in 2026, and each line 2 allowance removes $1,000. Bonuses are withheld at the same 4.95% rate.
4.95%
Illinois income tax
flat, every income
$2,925
IL-W-4 allowance (line 1)
2026, up from $2,850
$0
Chicago city income tax
no city tax on wages
The formula is short. First, payroll takes your yearly wages, subtracts $2,925 for each basic allowance and $1,000 for each additional one, and multiplies the rest by 4.95%. Then it divides the result by your number of paychecks. Because of this, the Illinois paycheck calculator matches payroll to within a few cents.
Illinois Paycheck Example: $60,000 Salary
Quick answer
A single Illinois worker earning $60,000, paid every two weeks with one IL-W-4 allowance, takes home $1,829.41 per paycheck in 2026. That is $47,565 a year. Illinois tax is $108.66 per check, while federal tax and FICA take $369.62.
Biweekly pay stub: $60,000 salary in Illinois (2026)
Earnings
- Gross pay$60,000 ÷ 26 paychecks
- $2,307.69
Taxes
- Federal income taxIRS percentage method, single, standard W-4
- −$193.08
- Social Security6.2%
- −$143.08
- Medicare1.45%
- −$33.46
- Illinois income tax4.95%, 1 allowance
- −$108.66
- Net pay
- $1,829.41
Worked exampleHow the Illinois paycheck calculator works it out
Gross pay: $60,000 ÷ 26 = $2,307.69.
- Federal income tax: $193.08 (IRS percentage method, single).
- Social Security $143.08 and Medicare $33.46.
- Illinois tax: ($60,000 − $2,925) × 4.95% = $2,825.21 a year, or $108.66 per check.
Take-home pay: $1,829.41 per paycheck.
Chicago Paycheck Calculator: Is There a City Income Tax?
Quick answer
No. Chicago and other Illinois cities do not tax wages, so a Chicago paycheck has the same taxes as one anywhere else in Illinois. That makes this Illinois paycheck calculator accurate for Chicago too. However, Chicago and Cook County set their own higher minimum wages.
Living in Chicago still costs more in other ways. Cook County’s sales tax is among the highest in the nation, and property taxes are high. So budget for those separately from your paycheck.
Illinois Paycheck Rules for Commuters and Retirees
Quick answer
Illinois has reciprocal agreements with Iowa, Kentucky, Michigan and Wisconsin. So if you live in one of those states and work in Illinois, you can file Form IL-W-5-NR and have your home state tax withheld instead. Meanwhile, Illinois does not tax most retirement income, such as pensions and Social Security.
For example, a Wisconsin resident who works in Chicago would normally ask the employer to stop Illinois withholding. However, the employer then needs to withhold Wisconsin tax instead, so the paycheck still has a state line. Indiana and Missouri residents get no such deal, so they pay Illinois tax and claim a credit at home.
Retirees with a part-time job still pay Illinois tax on their wages. Only the retirement income itself is exempt. So if you work part time in retirement, use the Illinois paycheck calculator for the job and leave your pension out.
Illinois Take-Home Pay by Salary
Quick answer
A single Illinois worker keeps about $40,025 of a $50,000 salary, $58,025 of $75,000 and $74,375 of $100,000 in 2026. Because the state rate is flat, Illinois takes almost the same share at every income. Most of the change comes from federal brackets.
| Salary | Federal income tax | Illinois income tax | Social Security + Medicare | Take-home pay per year | Per paycheck |
|---|---|---|---|---|---|
| $30,000 | $1,420 | $1,340 | $2,295 | $24,945 | $959.42 |
| $40,000 | $2,620 | $1,835 | $3,060 | $32,485 | $1,249.41 |
| $50,000 | $3,820 | $2,330 | $3,825 | $40,025 | $1,539.41 |
| $60,000 | $5,020 | $2,825 | $4,590 | $47,565 | $1,829.41 |
| $75,000 | $7,670 | $3,568 | $5,738 | $58,025 | $2,231.72 |
| $100,000 | $13,170 | $4,805 | $7,650 | $74,375 | $2,860.57 |
| $150,000 | $24,734 | $7,280 | $11,475 | $106,511 | $4,096.57 |
| $200,000 | $36,734 | $9,755 | $14,339 | $139,172 | $5,352.76 |
Illinois Hourly Paycheck Calculator
Quick answer
At $20 an hour for 40 hours, a single Illinois worker takes home $647.91 a week in 2026. Five overtime hours at 1.5× lift that to $761.01. The Illinois minimum wage is $15.00 an hour, and tipped workers can be paid $9.00 plus tips.
| Item | 40 hours | 45 hours (5 overtime) |
|---|---|---|
| Gross pay | $800.00 | $950.00 |
| Federal income tax | −$54.08 | −$72.08 |
| Social Security and Medicare | −$61.20 | −$72.68 |
| Illinois income tax | −$36.82 | −$44.24 |
| Take-home pay | $647.91 | $761.01 |
Illinois Bonus Tax
Quick answer
Illinois withholds 4.95% on bonuses, the same as on regular pay. With 22% federal withholding and FICA, a $5,000 bonus leaves about $3,270.00. If your total tax for the year turns out lower, you get the difference back when you file.
Federal Taxes on Every Illinois Paycheck
Quick answer
Federal taxes take the largest share of most Illinois paychecks. Federal income tax depends on your W-4. Social Security is 6.2% of wages up to $184,500 in 2026, and Medicare is 1.45% of all wages, plus 0.9% above $200,000.
| Tax rate | Single | Married filing jointly |
|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 |
| 35% | $256,226 – $640,600 | $512,451 – $768,700 |
| 37% | Over $640,600 | Over $768,700 |
Source: IRS Revenue Procedure 2025-32. The 2026 standard deduction is $16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.
Illinois vs. Other States
Quick answer
On a $60,000 salary, a single Illinois worker keeps $47,565 in 2026. That is about the same as California ($47,807) and a little more than New York State ($47,424). Neighboring Indiana and Michigan tax wages at lower rates but add county or city taxes.
How to Raise Your Illinois Take-Home Pay
Quick answer
Pre-tax benefits shrink your taxable pay. On a $75,000 Illinois salary, a 6% 401(k) puts $173.08 a paycheck into savings, yet take-home pay falls by only $126.43. Illinois follows the federal rule, so the 401(k) lowers both federal tax and the 4.95% state tax.
- Contribute to a 401(k) or 403(b), up to $24,500 in 2026.
- File an IL-W-4 that matches your household. Each line 1 allowance is worth about $145 a year.
- Use pre-tax health, HSA and commuter benefits.
- Remember that Illinois does not tax most retirement income, so saving now cuts state tax today and later.
Why Your Illinois Pay Stub May Differ
The Illinois paycheck calculator follows the state’s IL-700-T formula. Your real stub may still differ because of:
- A different number of IL-W-4 allowances, or no IL-W-4 on file.
- Living in Iowa, Kentucky, Michigan or Wisconsin, which have reciprocal agreements with Illinois.
- Health, dental or vision premiums and other benefits taken before tax.
- Extra withholding you asked for on your federal W-4 or state form.
- Garnishments, union dues or other after-tax deductions.
- High year-to-date wages, after which Social Security stops for the year.
See how we calculate or contact us.
Illinois Paycheck Calculator FAQ
What is the Illinois income tax rate for 2026?
A flat 4.95% on taxable income, for every income level.
How much tax is taken out of a paycheck in Illinois?
For a single $60,000 earner, about 21% of each paycheck: federal income tax, Social Security, Medicare and 4.95% Illinois tax.
Does Chicago have a city income tax?
No. Chicago does not tax wages, so Chicago paychecks are taxed the same as anywhere in Illinois.
What is $100,000 after taxes in Illinois?
About $74,375 a year, or $2,860.57 every two weeks, for a single filer in 2026.
What is the IL-W-4 allowance amount for 2026?
$2,925 for each basic allowance on line 1, and $1,000 for each additional allowance on line 2.
What is $20 an hour after taxes in Illinois?
About $647.91 a week for 40 hours, or roughly $33,691 a year, for a single filer.
Estimates, not tax advice
This Illinois paycheck calculator gives estimates based on 2026 Illinois and IRS rules. It is not tax, legal or financial advice. Your employer’s payroll settings decide what is actually withheld.
Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding MethodsInternal Revenue Service Official
- Contribution and Benefit Base (2026 Social Security wage base)Social Security Administration Official
- Tax Withholding EstimatorInternal Revenue Service Official
- What is an Illinois withholding exemption?Illinois Department of Revenue Official
- Illinois Income Tax Withholding (2026 formula)USDA National Finance Center Official
- Minimum Wage LawIllinois Department of Labor Official
Run your Illinois paycheck
Now you know how the flat 4.95% tax and IL-W-4 allowances shape your pay. Enter your numbers in the Illinois paycheck calculator above.