Illinois Paycheck Calculator 2026

2026

Calculate your take-home pay in Illinois. Illinois has a flat income tax system. Based on current IL and federal tax rates.

Pay Type
$

Net Pay (Bi-Weekly)

$2,368.94

Annual Take-Home

$61,592.50

Total Tax (Annual)

$13,407.50

Paycheck Breakdown (Bi-Weekly)

Gross Pay$2,884.62
Federal Income Tax- $295.00
Social Security (6.2%)- $178.85
Medicare (1.45%)- $41.83
Net Pay$2,368.94

Annual Summary

Gross Annual Income$75,000.00
Federal Income Tax- $7,670.00
FICA (SS + Medicare)- $5,737.50
Total Deductions & Tax- $13,407.50
Annual Take-Home Pay$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 Tax Overview

Run the numbers on an Illinois paycheck and four deductions explain the gap between gross and net. Three are federal and identical coast to coast: income tax withheld per your W-4, Social Security at 6.2% on wages up to the $184,500 base, and Medicare at 1.45% on every dollar earned. The fourth is the state's contribution, a flat 4.95% income tax. Because that rate never bends, the state slice of a $1,500 weekly check is the same proportion as the state slice of a $5,000 one.

The shorter list is what Illinois skips. There is no state disability withholding and no paid-family-leave premium, so the deduction stack stays lean compared with stubs in California or New York. That leaves your own elections as the main lever on take-home: traditional 401(k) deferrals up to the $24,500 limit and pre-tax health premiums come out before both the federal brackets and the 4.95% rate are figured. Employers compute the state portion using the allowances you list on Form IL-W-4, which is why two coworkers on equal salaries can still see slightly different state lines.

Illinois Key Rates & Limits (2026)

State Income Tax 0.0495% (flat)
State Sales Tax 0.0625%
Avg. Property Tax Rate 0.0207%
Minimum Wage $15/hr
State Disability Insurance (SDI) No
Paid Family Leave No
Local/City Income Tax Local sales taxes (home rule, county, and special-district) add up to ~4.75% on top of the 6.25% state rate, for combined rates up to ~11%.

Official Sources:

Illinois Paycheck FAQ

How do I quickly estimate the state portion of my Illinois paycheck?
Take your taxable wages for the pay period, subtract the value of any IL-W-4 allowances, and multiply by 4.95%. Since the rate is flat, you don't have to track which bracket you fall into the way you do federally. A worker can apply the same 4.95% to a bonus check as to regular wages and land close to the actual withholding.
Why did my Illinois take-home jump partway through the year?
Most likely you hit the $184,500 Social Security wage base, after which the 6.2% deduction stops for the rest of the year while Medicare keeps coming out. The flat 4.95% Illinois income tax and federal income tax both continue unchanged. High earners notice the bump because the Social Security line simply disappears once cumulative wages cross the cap.
Does a second job change how Illinois taxes my main paycheck?
Each employer withholds the flat 4.95% on the wages it pays, so the rate itself doesn't shift. The risk is federal: combined income can push you into a higher federal bracket that one employer's withholding tables don't anticipate. Illinois is simpler here because 4.95% applies the same whether the dollars come from one job or two.
Are pre-tax benefits worth more in Illinois than in a no-income-tax state?
They shelter an extra layer of tax here. A dollar moved into a traditional 401(k) or a pre-tax health plan escapes the 4.95% state tax in addition to the federal income tax it would have faced anywhere. In a state with no income tax, that same dollar only dodges the federal portion, so the Illinois saver keeps slightly more per contributed dollar.