Illinois Paycheck Calculator 2026
Estimate your 2026 take-home pay in Illinois from your salary. It adds the 4.95% Illinois income tax, with its exemption, to the federal lines, with every rate shown and editable.
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About the Illinois Paycheck Calculator
The Illinois Paycheck Calculator estimates what is left of a salary earned in Illinois in the 2026 tax year, after federal income tax, Social Security, Medicare and the 4.95% Illinois income tax. Enter your gross salary per year, month, 4 weeks, 2 weeks or week, choose your filing status and, if you save into a traditional 401(k), the share of pay you defer. The result shows net pay per year, per month and per pay period, the total deductions and their share of your gross pay, and a line-by-line breakdown. Every line names its scope ("United States · federal" or "Illinois"), the 2026 tax year and the rate it charges.
This page opens with Illinois already chosen. The same calculator covers the other states with confirmed 2026 values on the main Net Salary Calculator and the federal Paycheck Calculator.
What comes off a Illinois paycheck
Federal lines
Federal income tax uses the 2026 rate schedule from IRS Rev. Proc. 2025-32 on your wages minus the 401(k) and the standard deduction (16,100 single, 32,200 married filing jointly, 24,150 head of household). Social Security is 6.2% of wages up to 184,500, Medicare 1.45% of all wages, and Additional Medicare 0.9% of wages above 200,000 (250,000 for married filing jointly).
Illinois lines
Illinois adds a flat income tax of 4.95% on wages minus the 401(k) minus an exemption of 2,925 per person: two for married filing jointly, otherwise one. No exemption is allowed when that income is above 250,000, or 500,000 for married filing jointly.
- Income tax: 4.95%, after 2,925 per exemption
- State payroll deductions: none withheld from pay
Your 401(k)
A traditional 401(k) contribution lowers federal and Illinois taxable income. It does not lower Social Security or Medicare.
Worked example
60,000 a year, single
Illinois tax is (60,000 − 2,925) × 4.95% = 2,825.2125, which rounds to 2,825.21. Net pay is 47,564.79 a year. A married couple with one earner on 120,000 pays (120,000 − 5,850) × 4.95% = 5,650.425, which rounds half up to 5,650.43. A single earner on 260,000 is above the income limit, loses the exemption and pays 12,870.00.
What the estimate leaves out
Illinois cities and counties do not tax wages, so no local income tax is missing from an Illinois result. The estimate also leaves out credits such as the child tax credit and the earned income credit, itemised deductions, bonuses and supplemental-wage withholding, and the 2025 law's deductions for tips, overtime, seniors and car-loan interest. Married filing jointly assumes one earner. The page works out the 2026 annual liability, not the amount your employer withholds from each paycheck under Publication 15-T, so a payslip can differ by a little each period.
Edit and reset the rates
Every rate sits in the Tax rates panel as a field, with its scope, the tax year and its default beside it. Thresholds, wage bases and allowances show as read-only text. Change a rate and the result updates at once, with an "Edited" marker on the field; Reset to 2026 defaults puts every rate back. Changing the state also restores the defaults. To see what your gross pay is before any tax, use the Gross Pay Calculator.
Official sources
The rules are checked against these pages; the header of the calculator shows the month they were last checked.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary and the rates you enter are not stored or sent anywhere.
Frequently asked questions
What comes off a paycheck in Illinois?
Federal income tax, Social Security (6.2% up to 184,500) and Medicare (1.45%, plus 0.9% above 200,000). Illinois adds a flat 4.95% income tax after an exemption of 2,925 per person, lost above 250,000 (500,000 married filing jointly).
Does a 401(k) lower Illinois taxes?
Yes. A traditional 401(k) lowers Illinois taxable income as well as federal income tax, but it does not lower Social Security or Medicare.
Are local taxes in Illinois included?
There are none to include: Illinois cities and counties, Chicago among them, do not tax employee wages, so the result covers every income tax on pay.
What is take-home pay on 60,000 in Illinois?
For a single filer: Illinois income tax is (60,000 − 2,925) × 4.95% = 2,825.21, so take-home pay is 47,564.79 a year.
Can I change the Illinois rates?
Yes. Every federal and Illinois rate is a field in the Tax rates panel with its 2026 default beside it. Edit any of them to see the effect, and press Reset to 2026 defaults to restore them all.