Illinois Take-Home Pay Calculator
Illinois uses a flat 4.95% state income tax rate on net income, with a $2,925 personal exemption for 2026 (verified: IL Dept. of Revenue FY 2026-15). The calculator applies this automatically — no rate input needed. Select Illinois in the dropdown below.
Your Income
Find your actual rate: California FTB tax rate schedules
Annual Pay Breakdown
| Item | Annual Amount | % of Gross |
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How the Estimate Is Calculated
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Step 1 — Federal Taxable Income
Taxable Income = Gross Annual Salary − Standard Deduction 2026 standard deductions (Rev. Proc. 2025-32): Single $16,100 · Married Filing Jointly $32,200 · Head of Household $24,150
Step 2 — Federal Income Tax (progressive brackets)
Federal Tax = Σ (bracket rate × income in that bracket)
2026 brackets for single filers (taxable income after deduction):
10% on $0–$12,400 · 12% on $12,401–$50,400 · 22% on $50,401–$105,700 ·
24% on $105,701–$201,775 · 32% on $201,776–$256,225 · 35% on $256,226–$640,600 · 37% over $640,600
Married Filing Jointly brackets are approximately double the single thresholds.
Source: IRS Rev. Proc. 2025-32
Step 3 — FICA (Social Security + Medicare)
SS Tax = min(Gross, $184,500) × 6.2%Medicare = Gross × 1.45% SS wage base $184,500 for 2026. No wage base cap on Medicare. Source: IRS Topic 751
Step 4 — State Income Tax (simplified estimate)
State Tax = (Gross − State Deductions) × Effective State Rate
For Texas and Florida: $0 (no state income tax, verified taxfoundation.org 2026).
For Pennsylvania: flat 3.07% of gross (no state standard deduction) — PA Dept of Revenue.
For Illinois: 4.95% × (Gross − $2,925 personal exemption) — IL Dept of Revenue.
For California: enter your estimated effective rate (CA has 9 progressive brackets; use the FTB rate schedule to find yours).
For New York, Ohio, and other states: enter your estimated effective rate.
Step 5 — Take-Home Pay
Net Pay = Gross − Federal Tax − SS Tax − Medicare Tax − State Tax Illinois Income Tax Overview (2026)
Illinois is one of the few states with a flat income tax rate, meaning all taxpayers pay the same percentage regardless of income level. Key 2026 figures:
- Flat rate: 4.95% — source: tax.illinois.gov
- Personal exemption: $2,925 (2026) — source: IL Dept. of Revenue FY 2026-15 bulletin
- No local income tax: most Illinois workers pay state tax only (no city-level income tax)
For an Illinois worker earning $75,000 as a single filer in 2026:
- Federal income tax: approximately $10,300
- Social Security: $4,650
- Medicare: $1,088
- Illinois state tax (4.95% × ($75,000 − $2,925)): approximately $3,568
- Estimated take-home: ~$55,394/year or ~$4,616/month
Approximate figures only. Use the calculator above for your exact inputs.
Compare With Other States
Frequently Asked Questions
Illinois imposes a flat income tax rate of 4.95% on net income as of 2026. This rate has been in effect since July 1, 2017. Source: Illinois Department of Revenue, tax.illinois.gov, FY 2026-15 bulletin.
Illinois does not have a state standard deduction. However, it does allow a personal exemption of $2,925 per taxpayer for 2026 (up from $2,850 in 2025). This amount is deducted from Illinois base income before the 4.95% rate is applied. Source: Illinois Dept. of Revenue FY 2026-15.
Illinois net income starts with your federal adjusted gross income (AGI), adds back certain Illinois-specific items, subtracts the personal exemption ($2,925 for 2026), and then applies the flat 4.95% rate. This calculator uses gross salary minus the $2,925 personal exemption as a simplified base.
Illinois has no general local income tax at the city or county level. Chicago has certain occupation-specific taxes, but these are not general income taxes on wages. Unlike NYC or Philadelphia, most Illinois workers pay only state income tax (not city income tax).
The official source is the Illinois Department of Revenue at tax.illinois.gov. See the Income Tax Rates page and the FY 2026-15 informational bulletin for 2026-specific rates and exemption amounts.