Illinois Take-Home Pay Calculator 2026
Quick Answer: In 2026, Illinois has a flat 4.95% income tax. On a gross annual salary of $75,000, a single W-2 filer takes home approximately $58,025, while married joint filers take home about $61,200. Use the paycheck calculator below to estimate your exact net earnings.
What is the state tax in Illinois?
Illinois levies a flat 4.95% income tax on W-2 wages. Standard deduction shields a portion from tax.
What do you keep on a $75,000 salary?
Single W-2 filers retain about 77.4% of their gross paycheck, leaving $58,025 net.
How does FICA payroll tax apply?
A flat 6.2% is deducted for Social Security (up to $184,500) and 1.45% is deducted for Medicare.
Are OBBBA tax shelters applicable?
Yes. The federal overtime tax deduction helps W-2 earners shield their half-time overtime premiums from income tax.
How Does Illinois Tax Your Paycheck in 2026?
Your net take-home pay depends on federal income tax brackets, FICA payroll taxes, and state income tax codes. Illinois has a flat 4.95% income tax on personal wages. Standard deductions for 2026 are set at $2 925 for single W-2 filers and $5 850 for married joint filers, which reduce taxable income before tax brackets apply.
Federally, tax brackets are progressive, ranging from 10% to 37% (Rev. Proc. 2025-32). FICA taxes are also flat, with 6.2% Social Security (up to $184,500) and 1.45% Medicare.
What Do You Keep: Paycheck Breakdown in Illinois?
The table below outlines how much you keep at different gross annual salaries. These calculations assume a single W-2 filer with a standard deduction and no pre-tax retirement or health insurance contributions:
| Gross Salary | Federal Tax | State Tax | FICA | Take-Home Pay | Effective Rate |
|---|---|---|---|---|---|
| $50,000 | $3,820 | $2,330 | $3,825 | $40,025 | 20.0% |
| $75,000 | $7,670 | $3,568 | $5,738 | $58,025 | 22.6% |
| $100,000 | $13,170 | $4,805 | $7,650 | $74,375 | 25.6% |
| $150,000 | $24,734 | $7,280 | $11,475 | $106,511 | 29.0% |
- Federal tax$13,17013%
- Illinois tax$4,8055%
- FICA$7,6508%
- Take-home$74,37574%
- Gross$100,000
What Illinois-specific taxes affect your take-home pay?
Illinois taxes wages at a single flat 4.95% rate on net income, with no graduated brackets. There is no local or city income tax anywhere in Illinois, including Chicago and Cook County, so the 4.95% state figure is the only state-level income tax applied to your paycheck.
How Illinois calculates withholding (no standard deduction)
A common error is applying a state standard deduction. Illinois has no standard deduction. It uses a personal exemption allowance claimed on Form IL-W-4, the state withholding certificate filed with your employer. The allowance reduces taxable income before the 4.95% rate is applied; its dollar amount is set yearly by the Illinois Department of Revenue (IDOR) in the IL-1040 instructions, so confirm the figure for your filing year.
Reciprocity, unemployment, and wage context
- Reciprocity: Illinois has agreements with Iowa, Kentucky, Michigan, and Wisconsin. Residents of those states working in Illinois file Form IL-W-5-NR to avoid Illinois withholding.
- Unemployment (SUI/SUTA): Administered by the Illinois Department of Employment Security (IDES). The 2026 taxable wage base is $14,250, and a Fund Building surcharge may apply. This is an employer tax and is not withheld from employee paychecks.
- 2026 minimum wage: Illinois reached $15.00 per hour in 2025 and remains at that level in 2026, with higher local minimums in Chicago and Cook County.
- Context: Illinois median household income was about $83,390 (U.S. Census, 2020-2024, in 2024 dollars).
Federal income tax, Social Security, and Medicare (FICA) apply on top of the 4.95% state tax.
How Do You Calculate Your Illinois Paycheck Step-by-Step?
Want to calculate your paycheck manually? Follow this ordered step-by-step list:
- Determine your gross annual wages (or wages per pay period).
- Subtract pre-tax deductions like traditional 401(k) contributions (up to $23,500) and health premiums.
- Subtract your federal standard deduction ($16,100 for single filers, $32,200 for married joint filers) to find your federal taxable income.
- Apply progressive 2026 federal income tax brackets to calculate your federal tax.
- Subtract your state standard deduction (if any) to find state taxable income, and apply the flat rate or progressive brackets of Illinois.
- Compute FICA payroll taxes: 6.2% for Social Security on wages up to $184,500, and 1.45% for Medicare.
- Subtract all calculated taxes and FICA from your gross pay to find your net take-home salary.
How Does the 2026 Federal Deduction Affect Overtime in Illinois?
Under the federal OBBBA overtime tax deduction (valid for tax years 2025 through 2028), the 0.5x premium portion of your time-and-a-half overtime rate is exempt from federal income tax. This deduction is capped at $12,500 for single W-2 filers and $25,000 for married couples filing jointly. You still owe FICA and state income taxes on this premium portion. To calculate your overtime premium tax savings, visit our dedicated No Tax on Overtime Calculator.
How Does Illinois Compare to Neighboring States?
Comparing income taxes across neighboring states helps evaluate job offers and geographical cost advantages: