How Illinois taxes your income
Illinois has a flat 4.95% state income tax for 2026. The Illinois paycheck calculator above splits your pay into each tax so you can see exactly what leaves every paycheck.
- Illinois has no state standard deduction in this model.
- Personal exemption (subtracted from income): $2,925 (single) or $5,850 (married filing jointly) per taxpayer set.
- Pre-tax 401(k) contributions reduce your Illinois taxable wages.
Illinois tax rate
Illinois applies one rate of 4.95% to all taxable income.
Notes about Illinois rules
The personal exemption is not available when income is above $250,000 (single) or $500,000 (joint).
What this calculator includes
It uses 2026 federal income tax brackets for single filers and married couples filing jointly, Social Security and Medicare tax, and the Illinois rules above. It does not include dependents, tax credits other than those listed, itemized deductions, self-employment tax, or head of household filing.
Rates, brackets and deductions as published for tax year 2026 (state data sourced February 2026).
Frequently asked questions
What is the state income tax rate in Illinois?
Illinois uses a flat rate of 4.95% on taxable income for 2026. Taxable income is your wages after the deductions and exemptions listed on this page.
What deductions does Illinois allow in this calculator?
Illinois has a personal exemption of $2,925 (single) or $5,850 (married filing jointly). These are the only Illinois deductions and credits the calculator uses. Itemized deductions and dependents are not included.
Do 401(k) contributions lower my Illinois income tax?
Yes. Pre-tax 401(k) contributions are taken out of your Illinois taxable wages as well as your federal taxable wages. They do not reduce Social Security or Medicare tax.
Which federal taxes apply to my pay in Illinois?
Federal income tax uses 2026 brackets from 10% to 37% after the $16,100 standard deduction for single filers. Social Security is 6.2% on wages up to $184,500 and Medicare is 1.45% on all wages, with 0.9% extra above $200,000 ($250,000 for joint filers).
Does this calculator include local taxes?
No. City, county and school-district income or payroll taxes are not included. If your area charges one, your real take-home pay will be a little lower.
How is each paycheck calculated?
Your yearly figures are worked out first and then divided by the number of pay periods in a year (52, 26, 24 or 12). Real paychecks can differ slightly because employers withhold with their own tables.
How current is the Illinois data?
Rates, brackets and deductions as published for tax year 2026 (state data sourced February 2026). Tax laws change, so confirm important numbers with the official sources listed below.
Official and data sources
- Illinois – state tax agency
- IRS – Federal income tax rates and brackets
- Social Security Administration – Contribution and benefit base
- Tax Foundation – State Individual Income Tax Rates and Brackets, 2026
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Also for Illinois: Illinois Salary Calculator · Illinois Income Tax Calculator
Disclaimer: results are estimates for information only. They are not tax, legal or financial advice.