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Updated for 2026 · IRS Pub 15-T

Illinois Paycheck Calculator 2026

Illinois withholds a flat 4.95% of wages after subtracting $2,925 per basic allowance and $1,000 per additional allowance on Form IL-W-4. Here's your exact 2026 Illinois paycheck.
State income tax: 4.95% flatBasic allowance (IL-W-4 line 1): $2,925 eachAdditional allowance (line 2): $1,000 each

Your pay

Illinois · 2026
$
$20k$100k$200k$300k$400k
Pay frequency
Federal filing status
Federal W-42020+ form
$
$
$
$
Illinois IL-W-41 allowance
$
Pre-tax deductions401(k), HSA, health insurance
Traditional 401(k)0% · $0.00/check
$
$
$
After-tax deductionsRoth 401(k), union dues, garnishments
Roth 401(k)0%
$
Take-home pay
$2,483.26

per paycheck · every 2 weeks · from $3,269.23 gross

Take-home payFederal income taxSocial SecurityMedicareIllinois income tax
76¢
of every dollar you earn reaches your bank
Paycheck breakdown
Gross pay$3,269.23
Federal income tax−$379.62
Social Security−$202.69
Medicare−$47.40
Illinois income tax−$156.26
Take-home$2,483.26
Where each $100 goesannual totals
Take-home pay $75.96Federal $11.61Social Security $6.20Medicare $1.45Illinois $4.78
Effective rate
all taxes ÷ gross
24.0%
Marginal rate
you keep $654 of a $1k raise
34.6%
Taxes per year
$1,703 a month
$20,435

What if you got a raise?

+5%

A 5% raise to $89,250 adds $106.90 to each every 2 weeks paycheck — $2,780 a year after tax (65% of the raise).

401(k) tip

Saving 5% ($163.46) only lowers your check by $119.40 — taxes cover the rest.

Same pay in Florida

You'd take home $156.26 more per paycheck ($4,063/yr). Compare →

Illinois take-home pay by salary

Single filer, biweekly pay, no pre-tax deductions, 2026 withholding.

IL tax take-home pay by salary, single filer, 2026
SalaryFederalFICAIL taxTake-home / yrMonthlyBiweeklyTax rate
$30,000$1,420$2,295$1,340$24,945$2,079$95916.9%
$40,000$2,620$3,060$1,835$32,485$2,707$1,24918.8%
$50,000$3,820$3,825$2,330$40,025$3,335$1,53920.0%
$60,000$5,020$4,590$2,825$47,565$3,964$1,82920.7%
$75,000$7,670$5,738$3,568$58,025$4,835$2,23222.6%
$85,000$9,870$6,503$4,063$64,565$5,380$2,48324.0%
$100,000$13,170$7,650$4,805$74,375$6,198$2,86125.6%
$125,000$18,734$9,563$6,043$90,661$7,555$3,48727.5%
$150,000$24,734$11,475$7,280$106,511$8,876$4,09729.0%
$175,000$30,734$13,388$8,518$122,361$10,197$4,70630.1%
$200,000$36,734$14,339$9,755$139,172$11,598$5,31630.4%
$250,000$51,304$15,514$12,230$170,952$14,246$6,43631.6%
$300,000$68,134$16,689$14,705$200,471$16,706$7,47033.2%

A flat 4.95% state income tax, reduced by your IL-W-4 allowances.

How Illinois withholding works

Illinois uses one rate for everyone: 4.95%. Your employer annualizes your wages, subtracts $2,925 for each basic allowance and $1,000 for each additional allowance you claim on Form IL-W-4, applies 4.95% and divides by the number of pay periods.

Does Illinois tax 401(k) contributions?

Traditional 401(k) deferrals and Section 125 benefits aren't subject to Illinois withholding, so they lower your state tax as well as your federal income tax.

Chicago and other cities

Illinois cities, including Chicago, don't withhold a local income tax from employees' wages.

Frequently asked questions

How much is $75,000 a year after taxes in Illinois?+

A single filer earning $75,000 in Illinois takes home about $58,025 a year in 2026 — $4,835 a month or $2,232 every two weeks.

What is the Illinois income tax rate for 2026?+

4.95% of taxable wages, the same for every income level.

How many allowances should I claim on my IL-W-4?+

Typically one basic allowance for yourself, one for your spouse if filing jointly and one per dependent. Each basic allowance reduces taxable wages by $2,925 a year.

Is there a city income tax in Chicago?+

No. Chicago does not withhold an income tax from employees' paychecks.