How Illinois paychecks work (2026)
In Illinois, your take-home pay is your salary minus federal income tax, FICA (Social Security 6.2% + Medicare 1.45%) and Illinois state income tax. This calculator uses the official 2026 rates for a single filer.
Illinois state income tax
Illinois has a flat state income tax of 4.95%, applied after a personal exemption of about $2,850 (single).
Example: $80,000 in Illinois
Federal tax is about $8,770, FICA $6,120, and Illinois state tax about $3,819 — leaving a take-home of roughly $61,291 a year.
Illinois take-home pay by salary (2026)
Estimated annual take-home for a single filer after federal income tax, Social Security and Medicare and Illinois state income tax, using the 2026 rates. Figures are tax liability, not withholding.
| Gross salary | Take-home / year | Per month | % kept |
|---|---|---|---|
| $40,000 | $32,481 | $2,707 | 81.2% |
| $60,000 | $47,561 | $3,963 | 79.3% |
| $80,000 | $61,291 | $5,108 | 76.6% |
| $100,000 | $74,371 | $6,198 | 74.4% |
| $150,000 | $106,507 | $8,876 | 71.0% |
What often catches people out in Illinois
- Illinois taxes at a flat 4.95%, so unlike progressive states a high earner and a mid earner pay the exact same rate.
- Retirement income is exempt — pensions, 401(k) and Social Security aren't taxed, unusual for a flat-tax state.
- Property taxes are among the nation's highest, offsetting that moderate income-tax rate.
What this calculator does not include
- Local/city taxes (none), 401(k) and pre-tax deductions, and filing statuses other than single.
- It shows tax liability, which can differ from paycheck withholding (employers often over-withhold).
Does Illinois tax my income?
Yes — Illinois taxes income at a flat 4.95%.
What's FICA?
Social Security (6.2%) and Medicare (1.45%) payroll taxes, deducted in every state including Illinois.
More United States calculators
This calculator provides estimates for a single filer in Illinois for 2026 based on IRS and state figures and is for general information only — it is not financial or tax advice. It excludes local taxes, 401(k) and other deductions, and shows tax liability rather than withholding. Sources: IRS (Rev. Proc. 2025-32), Illinois Department of Revenue.