Counttaxes

Soft launch: verified jurisdictions are marked on each page; others are still preview and stay noindex. Confirm with your tax authority before you act. Fine print

Rates verified on 2026-10-11

Estimates only

Illinois take-home pay calculator

Tax year 2026 (Jan 1 – Dec 31, 2026)

Region(required)
Pre-tax 401(k)

Traditional elective deferral — reduces taxable income, not FICA. Cap $24,500/yr (under age 50).

Advanced options
Roth 401(k)

Does not reduce taxable income. Real plans share the elective deferral limit with pre-tax 401(k).

Results update as you type. Methodology · Annual figures are exact; per-paycheck figures are rounded.

Your result will appear here

Tax year 2026

How Illinois take-home pay is calculated (2026)

Illinois uses a flat individual income tax of 4.95% — the same rate IDOR publishes for 2026 withholding (Form IL-700-T). There is no progressive bracket table. We subtract Illinois’s $2,925 personal exemption allowance (1 if single, 2 if joint, plus dependents) from AGI before applying 4.95%. The AGI phaseout above $250,000 / $500,000 MFJ is not modeled.

Outline map of the state of Illinois
Illinois state outline (styled by Counttaxes) — not an official IDOR chart.

Illinois's income tax, in plain terms

Illinois individual income tax is a flat 4.95% — the same rate IDOR’s 2026 Form IL-700-T uses for employer withholding. There is no progressive bracket table. IDOR set the 2026 personal exemption allowance at $2,925 per exemption (up from $2,850), with a phaseout when federal AGI exceeds $250,000 ($500,000 married filing jointly). This calculator subtracts $2,925 × exemptions (1 single / 2 joint + dependents) before applying 4.95%. The high-AGI phaseout is not modeled yet, so high earners may see a slightly low state line. Chicago does not add a NYC-style city income tax in this engine.

Local wage taxes

Illinois does not add a statewide municipal wage income tax in this model, and Chicago does not levy a city income tax like New York City. Differences between this estimate and a real stub usually come from benefits, IL-W-4 elections, and the high-AGI exemption phaseout we have not modeled — not a city income-tax line.

What makes an Illinois paycheck different

  • Flat 4.95% state income tax on Illinois base income — not a California-style progressive schedule.
  • IDOR’s 2026 personal exemption allowance is $2,925 per exemption — subtracted before the rate (phaseout above $250k / $500k MFJ not modeled).
  • Illinois has no statewide local wage income tax in this engine (Chicago does not add a city income tax like NYC).
  • Federal income tax and FICA still apply on top of the flat state line.
  • Credits such as the property tax credit and K-12 education expense credit are return items, not paycheck lines — not modeled here.

How we count Illinois take-home

  • Illinois state income tax: flat 4.95% of (AGI − $2,925 × exemptions).
  • Federal income tax: IRS 2026 brackets and standard deduction.
  • FICA: Social Security and Medicare (and Additional Medicare where it applies).
  • Optional pre-tax 401(k) and HSA contributions reduce AGI for both federal and Illinois lines when entered.
  • Not modeled: Personal Exemption Phaseout; State payroll levies; Property Tax Credit; K12 Education Expense Credit.

Full United States methodology · Bracket tables · Engine & privacy

Sources & status

Verified

Primary sources below, grouped by layer. Oldest verification on this page: 2026-10-11.

US sources & loaded numbers

Related United States guides

Illinois tax brackets (2026)

Federal income tax brackets (Single)

FromToRate
$0.00$12,400.0010.00%
$12,400.00$50,400.0012.00%
$50,400.00$105,700.0022.00%
$105,700.00$201,775.0024.00%
$201,775.00$256,225.0032.00%
$256,225.00$640,600.0035.00%
$640,600.00and above37.00%

Illinois flat state tax

FromToRate
$0.00and above4.95%

How a US paycheck works

Every US paycheck starts with the same federal layers: income-tax withholding from Form W-4, plus Social Security and Medicare (FICA). State and local lines come next when your region files them.

Counttaxes estimates annual liability from verified rate files, then shows per-paycheck amounts for your frequency — not a live payroll withholding run.

Read the full US paycheck guide →

Worked examples (Illinois, annual, default assumptions)

GrossNetEffective
$60,000.00$47,564.7920.7%
$100,000.00$74,374.7925.6%
$150,000.00$106,510.7929.0%

Examples use single filing status and no 401(k)/HSA. Open the calculator above to try your salary and filing status.

Frequently asked questions

Is Illinois really a flat 4.95%?
Yes for individual income tax. IL-700-T for 2026 instructs employers to withhold at 4.95% after exemption allowances. There is no progressive rate schedule like New York or California.
How does the $2,925 exemption work here?
We subtract $2,925 per exemption from AGI before 4.95%. Defaults are one exemption if single and two if married filing jointly; add dependents in the form. IDOR phases the allowance out above $250,000 AGI ($500,000 MFJ) — that phaseout is not modeled yet.
Does Chicago add city income tax?
Not in this model. Illinois take-home here is federal + FICA + flat state tax. If your stub shows other municipal fees, they are outside this estimate.
How does Illinois compare to Texas or Florida?
Texas and Florida add $0 state income tax. Illinois adds 4.95% of AGI in our model, so net is lower by roughly that amount for the same federal inputs.
Is withholding the same as annual tax?
Close but not identical. Employers use IL-W-4 allowances and IL-700-T tables. This page estimates annual liability at 4.95% of AGI, then splits by pay frequency.

Related United States calculators

Useful links

Official Illinois tax agencies and the primary sources behind the rates on this page.