Calculate Your Illinois Salary After Federal and State Taxes
Wondering how much of your salary actually reaches your bank account in Illinois? Enter your income below to estimate federal income tax, the Illinois 4.95% flat income tax, Social Security, Medicare, and optional paycheck deductions.
Whether you work in Chicago, Springfield, Rockford, Peoria, Naperville, or elsewhere in Illinois, this calculator helps you estimate annual, monthly, weekly, and biweekly take-home pay without searching through multiple tax tables.
Illinois Paycheck & Income Tax Calculator
Use the example salary or enter your own details. Annualized results update when you change the inputs.
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How Much Income Tax Do You Pay in Illinois in 2026?
Illinois has a flat individual income tax rate of 4.95% for 2026. Unlike the federal government, Illinois does not use graduated individual income-tax brackets. Your state income tax generally begins with Illinois base income, eligible exemptions, and applicable adjustments or tax credits.
The federal income tax system is separate. You also generally pay Social Security and Medicare taxes on W-2 wages. The calculator combines these major components to give you an approximate take-home salary.
Illinois income tax
Flat state income-tax rate, applied to modeled Illinois taxable income after eligible exemptions.
Basic exemption
2026 personal exemption amount for each eligible Illinois exemption.
Common FICA rate
Combined employee Social Security and Medicare rate below the Social Security wage cap and before Additional Medicare Tax.
Illinois Salary After Tax: $40,000 to $150,000 in 2026
The following examples use a single Illinois-resident W-2 employee, one eligible Illinois exemption, the 2026 federal standard deduction, and no additional income, credits, or voluntary deductions. Estimates are calculated using the same federal and Illinois logic as the tool above.
| Annual salary | Annual take-home | Monthly take-home | Biweekly take-home |
|---|---|---|---|
| $40,000 | Use calculator | — | — |
| $60,000 | Use calculator | — | — |
| $80,000 | Use calculator | — | — |
| $100,000 | Use calculator | — | — |
| $150,000 | Use calculator | — | — |
Worked example: $80,000 salary in Illinois
Suppose an eligible single employee earns $80,000 in 2026, claims one Illinois exemption, and has no pre-tax or post-tax deductions, tax credits, or other household income.
Federal taxable income
$80,000 gross salary minus the $16,100 federal standard deduction leaves $63,900 of federal taxable income.
Illinois taxable income
$80,000 minus one $2,925 Illinois personal exemption leaves $77,075 of simplified Illinois taxable income.
Estimated federal income tax is $8,770. Illinois state income tax is approximately $3,815.21, and employee Social Security and Medicare taxes total $6,120. That leaves approximately $61,294.79 per year, or $2,357.49 biweekly, before any other deductions.
Example assumes the standard deduction is available, that Illinois wages match modeled federal AGI before the Illinois exemption, and that no special tax situation changes the result.
Illinois and Federal Income Tax Rules Used in This Calculator
Illinois 2026 state income tax
| Illinois tax item | 2026 amount | What it means |
|---|---|---|
| State individual income-tax rate | 4.95% | Flat rate on taxable Illinois income |
| Basic personal exemption | $2,925 | Per eligible exemption |
| Qualifying age 65 / blindness exemption | $1,000 each | Additional exemption amount where eligible |
| Exemption income restriction | $250,000 / $500,000 | Federal AGI exceeding $250,000 for most filers or $500,000 for joint filers generally eliminates Illinois exemption allowance |
| Illinois local city income tax | Generally none | No separate Chicago city wage-income tax in this calculation |
Illinois does not simply apply 4.95% after subtracting your federal standard deduction. For a simplified wage-only resident estimate, this calculator starts from modeled federal adjusted gross income, subtracts eligible Illinois personal exemptions, and applies 4.95%. Actual Form IL-1040 calculations may require additions, subtractions, special credits, or other adjustments.
2026 federal standard deductions
| Federal filing status | 2026 basic standard deduction |
|---|---|
| Single | $16,100 |
| Married filing jointly | $32,200 |
| Married filing separately | $16,100 |
| Head of household | $24,150 |
2026 federal brackets for single filers
| Marginal rate | Taxable income range |
|---|---|
| 10% | $0–$12,400 |
| 12% | Over $12,400 to $50,400 |
| 22% | Over $50,400 to $105,700 |
| 24% | Over $105,700 to $201,775 |
| 32% | Over $201,775 to $256,225 |
| 35% | Over $256,225 to $640,600 |
| 37% | Over $640,600 |
The working calculator also uses the published 2026 thresholds for married filing jointly, married filing separately, and head of household.
Social Security and Medicare in 2026
| Payroll tax | Employee rate | 2026 rule |
|---|---|---|
| Social Security | 6.2% | Applies to covered wages up to $184,500 |
| Medicare | 1.45% | No general annual wage cap |
| Additional Medicare | 0.9% | Tax applies above $200,000 for single/HOH, $250,000 joint, or $125,000 married separate, based on relevant wages and income |
How to Calculate Illinois Take-Home Pay Step by Step
- Choose salary or hourly income. Enter your annual salary or hourly rate, regular hours, expected overtime, and weeks worked.
- Choose your federal filing status. The calculator uses your selection to apply the appropriate 2026 federal standard deduction and tax brackets.
- Enter eligible Illinois exemptions. Use the total basic exemptions that apply to your tax circumstances, including eligible dependents. Add qualifying age-65 or legal-blindness exemptions if relevant.
- Add retirement and benefit deductions. Use the advanced section for traditional retirement contributions, eligible pre-tax benefits, and other modeled deductions.
- Review the results. Compare federal income tax, Illinois income tax, employee FICA, annual net pay, and take-home pay by pay frequency.
Illinois take-home pay formula
Gross W-2 wages − federal income tax − Illinois income tax − employee Social Security − Medicare − retirement/benefit contributions − post-tax deductions = estimated take-home pay.
For Illinois income tax, the calculator uses the simplified method of applying 4.95% to modeled Illinois income after eligible exemptions, then subtracting entered nonrefundable state credits up to the calculated tax. It does not subtract the federal standard deduction from Illinois income.
Illinois Hourly Paycheck, Overtime, and Biweekly Salary
If you are paid hourly rather than receiving a fixed annual salary, choose Hourly employee in the calculator. Enter your rate and typical weekly hours. Add overtime only when it is reasonable to include it in your annual income estimate.
$20 per hour
At 40 hours per week for 52 weeks, gross annual wages are $41,600 before any overtime, taxes, or benefits.
$25 per hour
At 40 hours per week for 52 weeks, gross annual wages are $52,000 before taxes and deductions.
$35 per hour
At 40 hours per week for 52 weeks, gross annual wages are $72,800 before additional payments or deductions.
Weekly versus biweekly versus semimonthly
| Pay schedule | Typical pay periods | Net-pay calculation |
|---|---|---|
| Weekly | 52 | Estimated annual net ÷ 52 |
| Biweekly | 26 | Estimated annual net ÷ 26 |
| Semimonthly | 24 | Estimated annual net ÷ 24 |
| Monthly | 12 | Estimated annual net ÷ 12 |
For hourly income, the tool estimates annual gross wages from the number of weeks you enter. It treats overtime at 1.5 times the regular hourly rate, where applicable. This should not be interpreted as a determination of legal overtime eligibility or your exact payroll amount.
How to Review Your Federal W-4 and Illinois IL-W-4
If the calculator and your paycheck are different, withholding settings are among the first things to investigate. Illinois workers commonly deal with two separate documents: federal Form W-4 and Illinois Form IL-W-4.
Federal Form W-4
Used by an employer to determine federal income-tax withholding. Your filing status, multiple jobs, dependents, deductions, and extra withholding may affect your paycheck.
Illinois Form IL-W-4
Used to determine Illinois income-tax withholding allowances and any additional requested Illinois withholding. It does not replace your federal W-4.
Official federal withholding review
- Gather current paystubs. Find your gross wages, federal withholding so far, pay frequency, and remaining pay periods. If applicable, gather spouse or second-job information.
- Visit the IRS withholding tool. Open IRS Tax Withholding Estimator and start the questionnaire.
- Enter your household information. Follow the IRS prompts for jobs, expected wages, dependents, deductions, and amounts already withheld.
- Review the estimate. Read the projected withholding outcome and any recommended W-4 changes.
- Update your employer’s payroll records. Use your payroll portal or obtain Form W-4 from the IRS if a change is appropriate. Compare later paystubs.
How to check Illinois tax withholding
- Open the official Illinois forms section. Visit Illinois Department of Revenue — current withholding forms.
- Find Form IL-W-4. Review the Illinois Withholding Allowance Worksheet and identify how many basic and additional allowances you may claim.
- Check your current payroll elections. Ask your payroll department or use your employee portal to review the IL-W-4 already on file.
- Compare Illinois withholding calculations. Open the official 2026 IL-700-T withholding tables. Select the correct payroll period and allowance information.
- Submit changes to your employer. Provide an updated IL-W-4 if appropriate. Review the Illinois withholding line on a later paystub.
Illinois Residency, Chicago Taxes, and Working Across State Lines
Where you live and where you physically work can change your state filing and withholding responsibilities. This matters for commuters, remote employees, workers moving to Illinois during the year, and residents who have wages from another state.
Illinois reciprocal agreements
Illinois has wage-income reciprocal agreements with Iowa, Kentucky, Michigan, and Wisconsin. In general, residents of those states who earn qualifying wages from employment in Illinois are taxed on those wages by their state of residence rather than Illinois.
For example, an eligible Wisconsin resident working in Illinois may need to give the employer Form IL-W-5-NR to claim exemption from Illinois wage withholding under the applicable reciprocal agreement. Illinois residents working in reciprocal states generally remain responsible for Illinois income tax on their qualifying wages.
| Your situation | What to check | Official next step |
|---|---|---|
| Illinois resident working in Illinois | Illinois wages, federal tax, FICA, and IL-W-4 | Use calculator, then verify employer withholding |
| Wisconsin resident working in Illinois | Reciprocal agreement eligibility | Review Form IL-W-5-NR and Wisconsin withholding |
| Illinois resident working in Iowa | Reciprocity and Illinois resident tax | Review Illinois withholding or estimated-payment requirements |
| Illinois resident working in nonreciprocal state | Other-state withholding and possible tax credit | Review Illinois Schedule CR |
| Moved to or from Illinois | Part-year residence and Illinois-source income | Review Illinois Schedule NR instructions |
| Remote worker in another state | Work location, employer withholding, and applicable state rules | Verify residency and sourcing before trusting a single-state estimate |
Official reference: Illinois Department of Revenue — Schedule NR and nonresident guidance.
Illinois Tax Credits, Retirement Income, and Other Tax Exceptions
The Illinois 4.95% rate is straightforward, but not every household’s final Illinois tax is simply 4.95% of its wages. Credits, exemptions, subtractions, and other tax rules matter.
Illinois Earned Income Tax Credit
Eligible individuals may qualify for an Illinois EITC generally based on 20% of the federal EITC, subject to Illinois eligibility rules. This credit is not automatically computed in the tool.
Illinois child-related tax credit
Illinois provides a child tax credit under qualifying rules linked to the Illinois EITC and eligible children. Check the relevant tax-year requirements before expecting a benefit.
Most qualifying retirement income
Illinois generally allows subtraction of qualifying federally taxed retirement income, including certain pensions, 401(k) distributions, IRAs, and Social Security income. This wage calculator does not compute retirement-distribution tax treatment.
Traditional 401(k) and pre-tax deductions
Traditional 401(k) salary deferrals generally reduce federal income-taxable wages and can reduce the modeled Illinois wage-tax base, but usually do not reduce Social Security or Medicare wages. Eligible pre-tax health deductions may reduce both income-taxable and FICA wages depending on plan treatment.
For 2026, the regular employee 401(k) elective-deferral limit is $24,500, with additional catch-up contribution rules for qualifying participants. Actual limits and plan restrictions can differ based on age, plan type, and employment circumstances.
Why tax credits and deductions affect different parts of the result
| Item | Federal income tax | Illinois income tax | FICA |
|---|---|---|---|
| Traditional 401(k) | Generally reduces taxable wages | Generally reduces modeled wage income | Usually no reduction |
| Eligible pre-tax health benefits | May reduce taxable wages | May reduce taxable wages | May reduce FICA wages |
| Federal standard deduction | Reduces federal taxable income | Not an Illinois standard deduction | Does not reduce FICA wages |
| Illinois basic exemption | No federal deduction | Reduces eligible Illinois taxable income | No reduction |
| Qualifying federal tax credit | May reduce federal income tax | Not automatically equivalent to state credit | Generally no reduction |
For credit eligibility, visit the Illinois EITC official guide. For retirement taxation, review the Illinois retirement-income tax explanation.
Why Your Illinois Paycheck Might Not Match the Calculator
| Problem | Possible cause | What to do |
|---|---|---|
| Actual net pay is lower | Health coverage, retirement, benefit deductions, extra withholding, garnishments | Compare payroll deductions and add applicable annual figures |
| State withholding is higher | Different IL-W-4 allowances, extra withholding, or payroll method | Review IL-W-4 and 2026 IL-700-T |
| Federal withholding is different | W-4 details, multiple jobs, pay periods, credits | Use the IRS withholding estimator |
| My overtime paycheck looks wrong | Hours vary; overtime eligibility or actual pay rate differs | Use accurate wages and review timesheet/paystub |
| My bonus is heavily withheld | Supplemental federal withholding and other payroll taxes | Ask payroll how the bonus was withheld; distinguish withholding from final tax |
| I work in another state | Reciprocity, sourcing, resident credits, or multi-state withholding | Check Illinois Schedule NR, Schedule CR, and relevant state guidance |
| Exemption disappears at high income | Illinois federal-AGI exemption restriction | Review the $250,000/$500,000 thresholds and actual AGI |
Before changing your withholding
- Compare gross earnings for the same time period.
- Check federal Form W-4 and Illinois IL-W-4 separately.
- Verify the number of Illinois withholding allowances.
- Look for extra withholding and after-tax deductions.
- Review your current year-to-date wages and taxes.
- Check whether an employer applied the correct payroll schedule.
- Include spouse or additional job income when assessing household federal tax.
- Use the actual state filing situation if you moved or work across state lines.
Illinois Tax Calculator 2026 — 10 Frequently Asked Questions
1. What is the Illinois income tax rate for 2026?
Illinois has a flat individual income-tax rate of 4.95% for 2026. The state applies this rate to taxable Illinois income after applicable exemptions and adjustments. Federal income tax, Social Security, and Medicare are separate.
2. How much is $60,000 a year after taxes in Illinois?
Your take-home pay depends on federal filing status, Illinois exemptions, retirement contributions, benefits, and credits. Use the $60,000 salary example above or enter $60,000 in the calculator to estimate annual, monthly, and biweekly net pay for your circumstances.
3. How much is $80,000 a year after taxes in Illinois?
Under the simplified 2026 example of a single W-2 employee with one Illinois exemption and no other deductions or credits, $80,000 gross results in about $61,294.79 annually or $2,357.49 biweekly after estimated federal, Illinois, Social Security, and Medicare taxes.
4. Does Illinois have progressive income-tax brackets?
No. Illinois uses a flat 4.95% individual income-tax rate in 2026. Federal income tax is progressive, with different tax brackets based on taxable income and filing status.
5. What is the Illinois personal exemption in 2026?
The Illinois basic personal exemption is $2,925 per eligible exemption for tax year 2026. Additional qualifying age-65 and blindness exemptions may apply. Illinois restricts exemptions when federal adjusted gross income exceeds applicable limits.
6. Does Chicago have its own city income tax?
Chicago does not impose a separate city individual wage-income tax on top of Illinois income tax. Chicago residents still generally pay federal income tax, Illinois state income tax, Social Security, Medicare, and other applicable taxes or payroll deductions.
7. How do I calculate my Illinois biweekly paycheck?
Select biweekly pay frequency in the calculator. It estimates annual net income and divides by 26 pay periods. An actual paycheck may differ because of W-4/IL-W-4 withholding and the timing of benefits, extra withholding, and other deductions.
8. Is Illinois income tax calculated after the federal standard deduction?
No. The federal standard deduction is not directly deducted from Illinois taxable income. Illinois generally begins with federal adjusted gross income, uses applicable Illinois additions and subtractions, and allows eligible Illinois personal exemptions and credits.
9. Do Wisconsin residents working in Illinois pay Illinois income tax?
Qualifying Wisconsin residents who earn ordinary employment wages in Illinois are generally covered by the Illinois-Wisconsin reciprocal agreement. They are typically taxed on those wages by their home state, not Illinois. Form IL-W-5-NR can be relevant for withholding exemption. Other types of income may be treated differently.
10. Why does my actual Illinois paycheck differ from this tax estimate?
Your employer calculates withholding using payroll dates, federal W-4 settings, Illinois IL-W-4 allowances, year-to-date earnings, and benefit deductions. This calculator estimates annual taxes and average net pay, so it does not reproduce every employer’s paycheck calculations or personal tax exceptions.
Official Illinois and Federal Tax Resources for 2026
Use these government sources to confirm rates, exemptions, withholding procedures, and situations that need more exact tax treatment.
- Illinois Department of Revenue — 2026 IL-700-T: official 4.95% withholding rate, $2,925 allowance, $1,000 additional allowance, and payroll withholding methods.
- Illinois personal exemption allowance: 2026 exemption amount, age/blindness allowance, and income restrictions.
- Illinois 2026 withholding forms: access Illinois payroll withholding forms and instructions.
- IRS 2026 tax inflation adjustments: federal standard deductions and income-tax brackets.
- IRS Publication 15-T: federal income-tax withholding methods for 2026.
- Social Security Administration wage base: 2026 taxable maximum and employee contribution rate.
- IRS Additional Medicare Tax: 0.9% threshold rules and employer withholding responsibilities.
- IRS Tax Withholding Estimator: official federal withholding review.
- Illinois Schedule NR guidance: reciprocal states, nonresident wages, and special filing situations.
- Illinois EITC guidance: tax-credit eligibility and calculation information.
- IRS retirement contribution limits: 2026 401(k) rules and catch-up provisions.
- MyTax Illinois: official Illinois tax account and payment portal.
Source period: 2026 rules available as of October 8, 2026. This tool estimates tax year 2026 income, generally reported on returns filed in 2027. Verify subsequent official guidance before filing.