Estimate your Illinois take-home pay after federal tax, FICA, and state income tax — free, private, and instant.
The Calculator
Enter your salary, pay frequency, and W-4 details — results update instantly and nothing is sent to any server.
See exactly what lands in your bank account — taxes, deductions, all of it.
| Time Period | Gross Pay | Net Pay (Take-Home) |
|---|
| Description | Current | Annual |
|---|
| Description | Current | Rate | Annual |
|---|
Move the slider to see how increasing your pre-tax contributions (401k/HSA) reduces your tax bill.
Generated with the free paycheck calculator at paycheckcalculator.us
⚠ This tool is for educational and informational purposes only. It is not financial or tax advice. Always consult a qualified tax professional.
| Tax type | Flat rate: 4.95% |
|---|---|
| Supplemental withholding rate | 4.95% |
| Personal allowance (single) | $2,925 |
| Dependent allowance | $2,925 |
| Data | Data verified: 2026-10-25 · Source: official agency source |
2026 IL withholding per IL-700-T: 4.95% after $2,925 per exemption ($1,000 for 65+/blind, IL-W-4 Line 2). The $250k/$500k exemption phase-out is a LIABILITY rule only - the automated employer formula has no income cliff, so per-pay withholding at high incomes intentionally differs from annual liability.
Illinois taxes wages at a flat 4.95% state income tax rate, withheld from every paycheck.
Every Illinois paycheck has federal FICA withheld: Social Security at 6.2% up to the annual wage base and Medicare at 1.45% (plus 0.9% additional Medicare on high wages), along with federal income tax withholding.
No local income tax is withheld on Illinois paychecks. The calculator applies only federal and Illinois state-level taxes.
Yes. The Illinois tax data in this calculator was verified against the official agency source on 2026-10-25. The source document is linked in the summary table above.
Tax data verified against official sources on 2026-10-25. Estimates only — not tax advice.
State income tax
Flat — 4.95%A flat 4.95% state income tax with a $2,850 personal allowance on top of federal tax and FICA.
Local taxes
None — plus WI & MI reciprocityNo local wage income tax; reciprocity protects WI/MI/KY cross-border workers.
Data currency
2026 Q1 · versionedRe-verified quarterly against official publications.
Common Questions
How do I calculate my take-home pay in Illinois?
Enter your salary and pay frequency above. The engine applies 2026 federal brackets and FICA, then a flat 4.95% state income tax with a $2,850 personal allowance — computing everything locally in your browser in under a second.
Does Illinois have local income tax?
No local wage income tax; reciprocity protects WI/MI/KY cross-border workers.
Are bonuses and overtime taxed differently in Illinois?
On the federal side, supplemental wages are withheld at a flat 22% when paid separately from regular pay, and qualified overtime earns the new OBBBA deduction. State withholding on supplemental wages follows the state’s own rules — enter the amounts above and the calculator splits the math for you.
How current are the Illinois tax rates here?
The engine runs versioned 2026 data files, re-verified against official publications each quarter and updated immediately when officials publish changes. The version in use is shown on this page.
Why is my Illinois paycheck different from my friend’s?
Filing status, W-4 settings (Step 2(c), dependents, other income), pre-tax deductions like a 401(k) or health premiums, pay frequency, and local taxes all change the result — even with identical salaries.
Continue learning — every source is public.