Illinois Paycheck Calculator 2026
Created by: Emma Collins
Last updated:
Calculate your 2026 Illinois take-home pay for salary or hourly wages, with the flat 4.95% state income tax, the personal exemption, federal tax, Social Security and Medicare.
Illinois Paycheck Calculator
FinanceEstimate your Illinois take-home pay after federal income tax, the flat 4.95% Illinois income tax, Social Security, Medicare and payroll deductions.
Traditional (pre-tax) only
Through payroll
Roth 401(k), union dues, garnishments
Illinois take-home pay in 2026
An Illinois paycheck has four taxes withheld: federal income tax, Illinois income tax at a flat 4.95%, Social Security and Medicare. Illinois applies its rate to your wages after a personal exemption of $2,925 per person, and no Illinois city, including Chicago, adds a local income tax.
This calculator uses the 2026 federal tax brackets, the $16,100 federal standard deduction for single filers ($32,200 for married couples filing jointly), and the 2026 Social Security wage base of $184,500. It works for salaried and hourly jobs, including overtime.
Examples
$65,000 salary, single, paid biweekly
Federal income tax is about $5,620. Illinois tax is $3,073: ($65,000 − $2,925) × 4.95%. Social Security and Medicare add $4,973. Take-home pay is $51,335 a year, or $1,974.41 per paycheck, an effective tax rate of 21.0%.
$130,000 household salary, married filing jointly
Two personal exemptions bring Illinois tax to $6,145, and federal income tax is about $11,240. Take-home pay is $102,670 a year, or $3,948.83 every two weeks.
Minimum wage, and $22 an hour with overtime
At the $15.00 Illinois minimum wage, 40 hours a week earns $31,200 a year and about $497.11 a week after taxes. At $22 an hour with five overtime hours a week at $33, gross pay is $54,340 and weekly take-home is about $832.64, or $18.50 per hour worked. Overtime may also qualify for the federal no tax on overtime deduction when you file; Illinois still taxes overtime pay.
Illinois take-home pay by salary
2026, no pre-tax deductions, paid biweekly (26 paychecks). The Illinois tax column is for a single filer.
| Salary | Illinois tax | Single: per year | Single: per paycheck | Married: per year | Married: per paycheck |
|---|---|---|---|---|---|
| $30,000 | $1,340 | $24,945 | $959.41 | $26,510 | $1,019.60 |
| $40,000 | $1,835 | $32,485 | $1,249.41 | $34,470 | $1,325.75 |
| $50,000 | $2,330 | $40,025 | $1,539.41 | $42,210 | $1,623.45 |
| $60,000 | $2,825 | $47,565 | $1,829.41 | $49,890 | $1,918.83 |
| $75,000 | $3,568 | $58,025 | $2,231.72 | $61,200 | $2,353.83 |
| $100,000 | $4,805 | $74,375 | $2,860.57 | $80,050 | $3,078.83 |
| $125,000 | $6,043 | $90,661 | $3,486.95 | $98,900 | $3,803.83 |
| $150,000 | $7,280 | $106,511 | $4,096.57 | $116,050 | $4,463.45 |
| $200,000 | $9,755 | $139,172 | $5,352.76 | $149,711 | $5,758.10 |
Illinois hourly wage after taxes
Single filer, 2026, 40 hours a week, paid weekly, no overtime or deductions. The first row is the Illinois minimum wage.
| Hourly rate | Gross per year | Take-home per week | Take-home per year | Take-home per hour |
|---|---|---|---|---|
| $15.00 | $31,200 | $497.11 | $25,850 | $12.43 |
| $16.00 | $33,280 | $527.27 | $27,418 | $13.18 |
| $17.00 | $35,360 | $557.43 | $28,986 | $13.94 |
| $18.00 | $37,440 | $587.59 | $30,555 | $14.69 |
| $20.00 | $41,600 | $647.91 | $33,691 | $16.20 |
| $22.00 | $45,760 | $708.23 | $36,828 | $17.71 |
| $25.00 | $52,000 | $798.71 | $41,533 | $19.97 |
| $30.00 | $62,400 | $949.51 | $49,374 | $23.74 |
| $40.00 | $83,200 | $1,218.99 | $63,388 | $30.47 |
Illinois compared with nearby states
Take-home pay on a $75,000 salary for a single filer in 2026, counting state income tax only; Illinois takes $3,568 at that salary. Indiana, Kentucky, Michigan and Missouri also allow city or county income taxes, which are not included here, so their real advantage over Illinois is smaller than shown.
| State | State income tax | Take-home pay | Difference vs Illinois |
|---|---|---|---|
| Illinois | $3,568 | $58,025 | — |
| Indiana | $2,183 | $59,410 | +$1,385 |
| Wisconsin | $2,594 | $58,998 | +$973 |
| Iowa | $2,198 | $59,394 | +$1,370 |
| Missouri | $2,588 | $59,005 | +$980 |
| Kentucky | $2,507 | $59,085 | +$1,060 |
| Michigan | $2,937 | $58,656 | +$631 |
| Texas | $0 | $61,593 | +$3,568 |
| Florida | $0 | $61,593 | +$3,568 |
| Arizona | $1,481 | $60,111 | +$2,086 |
| California | $2,788 | $58,805 | +$780 |
State rates as of January 1, 2026, from the Tax Foundation, State Individual Income Tax Rates and Brackets, 2026. Compare any state with the take-home pay calculator.
Other Illinois taxes to budget for
Illinois property taxes are among the highest in the country, so homeowners should budget for them alongside take-home pay. The state sales tax is 6.25%, and local taxes raise it to 10.25% in Chicago. On the other hand, Illinois does not tax most retirement income: Social Security, pensions and 401(k) or IRA withdrawals are exempt.
Estimate those costs with the property tax estimator and the sales tax calculator. Employers also pay Illinois unemployment insurance tax, which is not withheld from your pay; the employer payroll tax calculator shows the employer side.
Getting a closer match to your pay stub
Enter benefit deductions as annual amounts: multiply the amount on your pay stub by your number of paychecks. If your stub shows Roth 401(k) contributions, add them as post-tax deductions rather than 401(k) contributions.
Illinois withholding depends on the allowances on your Form IL-W-4, and each allowance stands for one $2,925 exemption. Claiming dependents lowers your Illinois withholding; this calculator includes exemptions for you and a spouse but not for dependents. For federal withholding, review your Form W-4 with the W-4 withholding calculator.
Frequently asked questions
What is the Illinois income tax rate?
Illinois has a flat income tax of 4.95% on all taxable income. For 2026 you subtract a personal exemption of $2,925 for yourself and each spouse and dependent before the rate applies, but the exemption is not allowed once income exceeds $250,000 ($500,000 for married couples filing jointly).
How much is $65,000 a year after taxes in Illinois?
For a single filer in 2026 with no pre-tax deductions, $65,000 is about $51,335 a year after taxes, or $1,974.41 every two weeks. Federal income tax is about $5,620, Illinois tax is $3,073, and Social Security plus Medicare is $4,973.
Does Chicago have a city income tax?
No. Chicago and other Illinois cities do not tax wages, so an Illinois paycheck has only federal and state income tax withheld. Chicago does have one of the highest combined sales tax rates in the country at 10.25%.
What is the minimum wage in Illinois?
$15.00 an hour since January 1, 2025, with a cash wage of at least $9.00 for tipped employees. Chicago and Cook County set higher local minimums. Full time at $15 an hour is $31,200 a year, or about $497.11 a week after taxes for a single filer.
Do 401(k) contributions lower Illinois tax?
Yes. Illinois starts from federal adjusted gross income, so traditional 401(k) deferrals, HSA contributions and pre-tax health premiums reduce Illinois taxable income as well as federal. Illinois also does not tax most retirement income, including Social Security, pensions and 401(k) or IRA withdrawals.
How much more would I take home in Florida or Texas?
On a $65,000 salary, a single filer keeps about $3,073 a year more in Florida or Texas, which have no state income tax. The table below compares Illinois with its neighbors.
Sources
- IRS Revenue Procedure 2025-32 (2026 brackets and standard deduction)
- IRS Publication 15 (2026), Employer's Tax Guide (Social Security wage base)
- Illinois Department of Revenue (income tax rate, exemption allowance and Form IL-W-4)
- Illinois Department of Labor (Minimum Wage Law, 820 ILCS 105)
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026