Illinois Paycheck Calculator (2026)
Estimate your take-home pay in Illinois after federal tax, FICA, and IL state income tax, using official 2026 rates.
Estimated take-home pay · Illinois
$47,565 / year
Monthly
$3,964
Biweekly
$1,829
Hourly
$22.87
- Gross pay
- $60,000
- Federal income tax
- −$5,020
- IL state income tax
- −$2,825
- Social Security (6.2%)
- −$3,720
- Medicare (1.45%)
- −$870
- Take-home pay
- $47,565
- Effective tax rate
- 20.7%
How Illinois taxes paychecks in 2026
Illinois taxes wages at a flat 4.95%. A personal exemption of $2,925 (single) / $5,850 (married) also reduces taxable income.
Single filer · 2026 IL brackets
| 4.95% | Over $0 |
Married filing jointly · 2026 IL brackets
| 4.95% | Over $0 |
What makes Illinois paychecks different
Illinois has taxed income at a single rate since 1969, and its constitution requires it; a 2020 ballot measure to allow graduated rates failed. The rate is 4.95% on almost every dollar, because Illinois has no standard deduction at all. The only relief is a $2,925 personal exemption per person, and even that vanishes entirely for single filers with income over $250,000 (joint over $500,000). A $60,000 single filer pays about 4.7% of gross to the state.
Retirees see a very different Illinois. The state exempts all retirement income, including pensions, 401(k) and IRA withdrawals and Social Security, which is why the flat tax stings workers far more than it does their retired neighbors. There are no city or county income taxes; Chicago has none. Illinois does have reciprocity with Iowa, Kentucky, Michigan and Wisconsin, so residents of those states who work in Illinois pay only their home state, and Illinois residents working across the border pay only Illinois.
Where Illinois residents really pay is property tax, at effective rates second only to New Jersey, and sales tax, 6.25% at the state level and 10.25% in Chicago once city, county and transit authority rates are added. Nothing is withheld from paychecks for state paid leave or disability programs.
Illinois take-home pay examples (2026)
Single filer, standard deduction, no dependents. Click a salary for the full 50-state comparison.
| Gross salary | Net / year | Net / month | Net / biweekly | Effective rate |
|---|---|---|---|---|
| $35,000 | $28,715 | $2,393 | $1,104 | 18.0% |
| $45,000 | $36,255 | $3,021 | $1,394 | 19.4% |
| $55,000 | $43,795 | $3,650 | $1,684 | 20.4% |
| $65,000 | $51,335 | $4,278 | $1,974 | 21.0% |
| $75,000 | $58,025 | $4,835 | $2,232 | 22.6% |
| $85,000 | $64,565 | $5,380 | $2,483 | 24.0% |
| $100,000 | $74,375 | $6,198 | $2,861 | 25.6% |
| $120,000 | $87,455 | $7,288 | $3,364 | 27.1% |
| $150,000 | $106,511 | $8,876 | $4,097 | 29.0% |
How Illinois compares
Illinois's top rate of 5.0% is #24 of 51 US jurisdictions. For comparison, a $60,000 single filer keeps $47,565 in Illinois versus $50,390 in no-tax Texas and $47,961 in California. See all rates on the 2026 state income tax table.
Illinois paycheck FAQ
How much is $60,000 after taxes in Illinois?+
A single filer earning $60,000 in Illinois takes home about $47,565 per year ($3,964/month) in 2026: $5,020 goes to federal income tax, $4,590 to FICA, and $2,825 to Illinois state taxes.
What is the Illinois income tax rate in 2026?+
Illinois has a flat 4.95% income tax rate in 2026.
Does Illinois tax 401(k) contributions?+
No. Traditional 401(k) contributions reduce both your federal and Illinois taxable income, so deferring salary lowers this year's tax bill.
What taxes come out of a paycheck in Illinois?+
Every Illinois paycheck loses federal income tax (10%–37% brackets) and FICA (6.2% Social Security up to $184,500 + 1.45% Medicare). Illinois taxes wages at a flat 4.95%.
Is Illinois a high-tax or low-tax state for take-home pay?+
Illinois's top marginal rate of 5.0% ranks #24 highest of the 51 US jurisdictions in 2026. At $60,000, a single filer keeps 79% of gross pay.