2026 tax year · IL
Illinois Paycheck Calculator
Estimate your Illinois take-home pay after federal income tax, Social Security, Medicare, and state income tax. Illinois uses a flat 4.95% wage income tax in 2026.
| Period | Gross | Taxes | Take-home |
|---|---|---|---|
| Year | $60,000.00 | $12,435.21 | $47,564.79 |
| Month | $5,000.00 | $1,036.27 | $3,963.73 |
| Semimonthly | $2,500.00 | $518.13 | $1,981.87 |
| Biweekly | $2,307.69 | $478.28 | $1,829.41 |
| Week | $1,153.85 | $239.14 | $914.71 |
| Hour | $28.85 | $5.98 | $22.87 |
Tax year 2026. Federal: IRS. State: Tax Foundation, State Individual Income Tax Rates and Brackets, 2026. Local income taxes excluded.
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How Illinois income tax works in 2026
Illinois uses a flat income tax structure in 2026, with a top rate of 4.95%. A flat tax applies one rate to taxable income above the state's threshold, which makes withholding simpler to estimate than a graduated system.
The estimator uses a single-filer deduction of $2,925.00 and a married-filing-jointly deduction of $5,850.00. Your actual state taxable income may differ because of credits, local rules, and federal conformity.
Example calculation
Using the inputs above, here is the estimated annual breakdown:
| Line | Amount |
|---|---|
| Gross annual pay | $60,000.00 |
| Federal income tax | $5,020.00 |
| Illinois income tax | $2,825.21 |
| Social Security + Medicare | $4,590.00 |
| Total tax | $12,435.21 |
| Estimated take-home pay | $47,564.79 |
| Effective tax rate | 20.73% |
Compare Illinois with other states
The same salary can produce a very different paycheck depending on state tax. Compare a few common moves:
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What this Illinois estimate excludes
- Local city and county income taxes.
- Your W-4 elections and employer withholding tables.
- Credits, itemized deductions, and non-wage income.
- Wage garnishments and post-tax deductions.
Official Illinois tax source
This estimate uses the 2026 federal rules and the Tax Foundation, State Individual Income Tax Rates and Brackets, 2026. For current forms, withholding tables, and local rules, check the official state agency. Source: Illinois Department of Revenue.
Last reviewed: 2026-02-11 · Tax year 2026.
Answers
Frequently asked questions
How much is taken out of a paycheck in Illinois?
For a single filer earning $60,000, our estimate shows federal income tax, FICA, and Illinois state income tax. The exact amount depends on your W-4, deductions, and local taxes.
Does Illinois have a state income tax?
Yes. Illinois's top 2026 wage income tax rate is 4.95%.
What is the Illinois income tax rate for 2026?
Illinois uses a flat income tax rate of 4.95%.
How can I increase my take-home pay?
Pre-tax contributions such as a traditional 401(k) or HSA lower your taxable income, but they also reduce the cash that reaches your bank account today. Health premiums under a Section 125 plan can reduce both income tax and FICA.
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