Illinois Income Tax Calculator 2026

Calculate your Illinois state income tax for 2026. Illinois has a flat 0.0495% income tax rate.

$
Deduction

Federal Income Tax

$7,670.00

Effective Tax Rate

10.23%

Marginal Tax Rate

22%

FICA (SS + Medicare)

$5,737.50

Total Tax Burden

$13,407.50

After-Tax Income

$61,592.50

Tax Calculation Breakdown

Gross Income$75,000.00
Above-the-Line Deductions- $0.00
Adjusted Gross Income (AGI)$75,000.00
Standard Deduction- $16,100.00
Taxable Income$58,900.00
10% on $0.00 – $12,400.00$1,240.00
12% on $12,400.00 – $50,400.00$4,560.00
22% on $50,400.00 – $105,700.00$1,870.00
Federal Income Tax (before credits)$7,670.00
Federal Income Tax (after credits)$7,670.00
Social Security (6.2%)$4,650.00
Medicare (1.45%)$1,087.50
Total FICA$5,737.50
Total Tax$13,407.50
After-Tax Annual Income$61,592.50
Monthly Take-Home$5,132.71

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

Illinois Income Tax Overview

Illinois runs one of the simplest income taxes in the country: a single flat rate of 4.95% applied to every taxable dollar. There are no graduated brackets, so the first dollar and the ten-thousandth are taxed alike. A flat structure is actually written into the state constitution, and a 2020 ballot measure that would have allowed graduated rates was rejected by voters, locking the single-rate design in place. The calculation begins with your federal adjusted gross income, which the Illinois Department of Revenue adjusts through state-specific additions and subtractions before the 4.95% rate touches the remainder.

Almost anyone with Illinois-source income falls within reach of the tax. Residents owe it on income from everywhere; nonresidents owe it on what they earn inside state lines. It does not replace federal tax but rides alongside it, so a typical filer pays the IRS graduated rates and then hands Illinois its flat 4.95% on top. Filing runs through Form IL-1040, where a per-person exemption allowance trims taxable income first. One feature stands out: Illinois does not tax Social Security, qualified pensions, or distributions from 401(k)s and IRAs, a carve-out that reshapes the bill for retirees.

Illinois Income Tax Rate

0.0495%

Flat rate — same for all income levels

Illinois Tax Snapshot

Sales Tax 0.0625%
Avg. Property Tax 0.0207%
Minimum Wage $15/hr
Estate Tax Yes (exemption: $4,000,000)

Official Sources:

Illinois Income Tax FAQ

What income does Illinois exempt that the federal government taxes?
Illinois subtracts federally taxable Social Security benefits, qualified pension income, and distributions from 401(k)s and IRAs from its base, so retirement income that the IRS taxes often escapes the 4.95% state rate. You claim these as subtractions from federal AGI on Form IL-1040. The exclusion is a major reason the state is viewed as gentle on retirement income even while its property taxes run high.
How is the flat 4.95% different from a federal marginal rate?
A federal marginal rate only applies to the dollars inside a given bracket, so your effective rate sits below your top bracket. Illinois has no brackets, which means its 4.95% is both the marginal and the effective rate on taxable income. A raise gets taxed by the state at exactly 4.95%, with no portion crossing into a higher tier.
Does Illinois have a standard deduction?
No. Instead of a standard or federal-style itemized deduction, Illinois uses a personal exemption allowance for each taxpayer and dependent, with extra amounts for filers who are 65 or older or blind. That allowance reduces taxable income before the 4.95% rate is applied. Credits such as the property tax credit and the Illinois earned income credit can lower the final bill further.
Who actually has to file an Illinois return?
Generally, Illinois residents who must file a federal return, or who had Illinois tax withheld, file Form IL-1040 with the Department of Revenue. Nonresidents and part-year residents file when they have income from Illinois sources, such as wages for work physically performed in the state. The thresholds track closely to having any liability or refundable withholding to recover.