Take-home pay in Illinois after federal tax, Social Security, Medicare and the flat 4.95% state income tax, less an exemption allowance for you, your spouse and each dependent.
Rules checked against the IRS and the Illinois Department of Revenue on ; not independently reviewed. Changelog Report an error
Take-home pay per monthExample
$5,380.40
$64,564.79 a year · from $85,000.00 gross
Same pay in tax year 2025: $64,282.07 a year — $282.72 more in 2026.
| Item | Per month | Per year |
|---|---|---|
| Gross pay | $7,083.33 | $85,000.00 |
| Federal income tax | −$822.50 | −$9,870.00 |
| Social Security (OASDI) | −$439.17 | −$5,270.00 |
| Medicare (incl. Additional Medicare Tax) | −$102.71 | −$1,232.50 |
| Illinois income tax | −$338.56 | −$4,062.71 |
| Take-home pay | $5,380.40 | $64,564.79 |
Compare two scenarios. Save this result as scenario A, then change any input to see the difference.
Assumptions
Rules us-2026-r1+us-il-2026-r1 · checked against IRS and state revenue departments on · not independently reviewed · 2026 rates and sources
Annual federal and state liability for the year, not your W-4 withholding.
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Estimates for general information only — not financial, tax or legal advice. Your actual figures depend on your employer’s payroll, your full tax situation, your lender’s or bank’s terms and rules we may not model. Check official sources and speak to a qualified adviser before making decisions. Annual liability, not withholding. Disclaimer
Illinois · single
| Gross pay | $46,000.00 |
|---|---|
| Federal income tax | −$3,340.00 |
| Social Security (OASDI) | −$2,852.00 |
| Medicare (incl. Additional Medicare Tax) | −$667.00 |
| Illinois income tax | −$2,132.21 |
| Take-home pay | $37,008.79 |
Average rate 19.5% · marginal rate 24.6%
Illinois · single
| Gross pay | $72,000.00 |
|---|---|
| Federal income tax | −$7,010.00 |
| Social Security (OASDI) | −$4,464.00 |
| Medicare (incl. Additional Medicare Tax) | −$1,044.00 |
| Illinois income tax | −$3,419.21 |
| Take-home pay | $56,062.79 |
Average rate 22.1% · marginal rate 34.6%
Illinois · married jointly, 2 children
| Gross pay | $145,000.00 |
|---|---|
| Federal income tax | −$9,840.00 |
| Social Security (OASDI) | −$8,990.00 |
| Medicare (incl. Additional Medicare Tax) | −$2,102.50 |
| Illinois income tax | −$6,598.35 |
| Take-home pay | $117,469.15 |
Average rate 19.0% · marginal rate 34.6%
A single Illinoisan on $72,000 pays $3,419.21 of state tax: 4.95% of wages after one $2,925 exemption. On $46,000 the bill is $2,132.21. The household of four on $145,000 claims four allowances — two parents, two children — so $11,700 of income escapes the tax and they pay $6,598.35.
Illinois has no employee-paid disability or family leave program, so the state income tax line is the only Illinois deduction on these cards. Chicago has no city income tax on wages either, so the figures hold whether you live in the Loop or in Peoria.
Illinois starts from federal adjusted gross income, which for an employee is W-2 wages after federal pre-tax deductions. The exemption allowance comes off, and the flat rate applies to what is left:
Illinois uses a flat rate of 4.95%, the same as in 2025; the state constitution requires a single rate for individuals. Taxable income starts from federal adjusted gross income, so 401(k), HSA and other federal pre-tax deductions also reduce Illinois income.
Instead of a standard deduction, Illinois gives an exemption allowance of $2,925 for each person on the return, up from $2,850 in 2025 according to Informational Bulletin FY 2026-15. The allowance disappears entirely once federal AGI is above $250,000 ($500,000 for joint filers) — a cliff rather than a gradual phase-out.
| Item | Amount |
|---|---|
| Illinois exemption allowance (you, spouse, dependents) | $2,925 per filer; $2,925 per dependent |
The only Illinois change for 2026 is the larger exemption allowance. At 4.95%, an extra $75 per person is worth $3.71 of tax for a single filer, which is the gap between the two columns, give or take a cent of rounding, in every row up to $150,000. At $250,000 the gap stays, because the allowance is only withdrawn once AGI goes above that figure.
| Salary | Illinois income tax 2026 | Share of gross | Take-home 2026 | Illinois tax 2025 |
|---|---|---|---|---|
| $30,000 | $1,340.21 | 4.47% | $24,944.79 | $1,343.93 |
| $50,000 | $2,330.21 | 4.66% | $40,024.79 | $2,333.93 |
| $75,000 | $3,567.71 | 4.76% | $58,024.79 | $3,571.43 |
| $100,000 | $4,805.21 | 4.81% | $74,374.79 | $4,808.93 |
| $150,000 | $7,280.21 | 4.85% | $106,510.79 | $7,283.93 |
| $250,000 | $12,230.21 | 4.89% | $170,951.79 | $12,233.93 |
Neither Chicago nor any other Illinois city taxes wages, so living in the city or the suburbs makes no difference to your paycheck. Illinois raises local revenue mainly through property and sales taxes instead.
Illinois exempts most retirement income, including Social Security and qualified pension and IRA distributions. That doesn’t change your paycheck today, but it means 401(k) deferrals avoid Illinois tax on the way in and usually on the way out too.
The Illinois earned income credit (a percentage of the federal EIC), the Illinois child tax credit, the property tax credit and the K-12 education expense credit can lower your Illinois bill. The extra $1,000 exemptions for people aged 65 or over or blind are also left out. Each depends on things beyond your pay.
Most allowances fade out gradually. Illinois simply switches its off. A single filer with federal AGI of $250,000 keeps the full $2,925; one dollar more and the allowance is gone, adding $144.79 of Illinois tax in one step. For a married couple with two children the cliff sits at $500,000 and costs $579.15.
Because the test uses federal AGI, a traditional 401(k) or HSA contribution that pulls AGI back below the line restores the whole allowance. The calculator applies the cliff exactly, so try a salary just either side of it to see the jump.
Illinois has reciprocal agreements with Iowa, Kentucky, Michigan and Wisconsin. A resident of one of those states who works in Illinois gives the employer Form IL-W-5-NR and owes Illinois nothing on those wages; the home state taxes them instead, as Pub-119 explains. It works in reverse too: an Illinois resident working in Wisconsin reports the pay on the Illinois return.
Indiana and Missouri are not on the list. Someone who lives in Indiana and works in Chicago pays Illinois tax on the wages and looks to Indiana for a credit, while Indiana’s county taxes can still apply at home. Withholding for Illinois residents is set on Form IL-W-4, where each allowance claimed reduces the amount taken.
Illinois has no head-of-household rate or deduction of its own. A single parent simply claims one more exemption allowance for the child, so on $72,000 the Illinois bill drops from $3,419.21 to $3,274.43, a difference of exactly one allowance at 4.95%.
The federal side is where filing as head of household pays off. The wider brackets, the larger standard deduction and the Child Tax Credit cut federal income tax on the same salary from $7,010.00 to $3,188.00. Taken together, take-home pay rises to $60,029.57. Choose “Head of household” and one child in the calculator to reproduce it.
A flat 4.95% of net income for individuals, after the exemption allowance.
$2,925 per person — you, your spouse if filing jointly, and each dependent — unless your AGI is over $250,000 ($500,000 joint), when it is zero (IDOR bulletin FY 2026-15).
No. No Illinois city levies an income tax on wages.
Form IL-W-4. Each allowance you claim lets your employer reduce withholding by one exemption allowance.
They do, at the flat rate. Traditional 401(k), 403(b) and HSA amounts are already out of federal AGI, the starting point for Illinois base income, and a lower AGI can also keep you under the exemption cliff.
No. Under the reciprocal agreement your wages are taxed only by Wisconsin; give your employer Form IL-W-5-NR. Pub-119 explains how other Illinois income is treated.
Illinois takes $4,805.21 from a single filer on $100,000, and after federal tax, Social Security and Medicare the take-home pay is $74,374.79 for the year, or about $2,860.57 on each of 26 biweekly paychecks.
No. Illinois taxes every filing status at the same flat rate. Heads of household simply claim an exemption allowance for each dependent, which the calculator adds automatically when you enter children.
Illinois. Under the reciprocal agreement Iowa doesn’t tax an Illinois resident’s wages; ask your Iowa employer to withhold Illinois tax instead and report the pay on your IL-1040 at the flat 4.95%.
Reviewed 8 October 2026. Illinois figures use rules us-2026-r1+us-il-2026-r1, compared with the Illinois Department of Revenue and IRS publications on 7 October 2026. How we verify Illinois’s rules