How Illinois taxes your paycheck
Illinois keeps it simple: a flat 4.95% income tax. Your state taxable income is your gross pay minus the standard deduction, then the flat rate applies to every dollar above that.
On exemptions: Personal exemption allowance per IL-1040; $2,925 for 2026 (indexed). Additional $1,000 allowance each for age 65+ or blindness (withholding).
What’s taken out of a Illinois paycheck
| Taxable income (single) | Marginal rate |
| Over $0 | 4.95% |
This is a flat-rate schedule: one rate applies to all taxable income (after the standard deduction).
Example: a $75,000 salary in Illinois
On a $75,000 salary as a single filer: federal taxable income is $75,000 − $16,100 = $58,900, giving $7,670 of federal tax. State taxable income is $58,900, giving $2,916 of state tax. FICA takes $4,650 (Social Security) + $1,088 (Medicare). Estimated take-home: $58,677 per year ($2,257 per biweekly paycheck).
| Gross salary | $75,000 |
| Federal income tax | −$7,670 |
| State income tax (IL) | −$2,916 |
| Social Security (6.2%) | −$4,650 |
| Medicare (1.45%) | −$1,088 |
| Estimated take-home | $58,677 |
| Effective tax rate | 21.8% |
Single filer, standard deduction, no pre-tax contributions. The interactive calculator above recomputes this for any salary and filing status.
A note on local taxes in Illinois
Illinois municipalities are not authorized to levy income taxes on wages under the Illinois Constitution.
Illinois take-home pay: frequently asked questions
Does Illinois have a state income tax in 2026?
Yes. Illinois has a flat 4.95% income tax in 2026. There is no separate state rate table beyond the flat rate.
What are Illinois's 2026 tax brackets and standard deduction?
A flat 4.95% income tax. Illinois has no standard deduction of its own; the model uses the federal standard deduction ($16,100 single) as a proxy.
What payroll taxes come out of a Illinois paycheck?
No employee-paid state payroll taxes are in the 2026 dataset for Illinois. Federal Social Security and Medicare still apply.
Are there local income taxes in Illinois?
Illinois municipalities are not authorized to levy income taxes on wages under the Illinois Constitution.
Are there Illinois tax credits that affect take-home pay?
One to know: Earned Income Credit. 20% of the federal EIC. Credits reduce tax owed rather than taxable income; the calculator above does not model individual credits.
Methodology & sources
State figures come from the site's versioned 2026 tax dataset (v1.0.0, researched 2026-10-11),
regenerated into this page automatically. Model: state taxable income = gross pay minus the state's 2026
standard deduction (Illinois has no standard deduction of its own, so the federal standard deduction is used as a proxy);
state brackets applied marginally; employee-paid state payroll taxes added at their 2026 rates and wage bases
(with published annual caps). Federal tax uses 2026 IRS brackets and standard deductions; FICA uses the 2026
Social Security wage base ($184,500) and Medicare rates. Personal exemption credits/deductions and
individual tax credits are not modeled — the result is an estimate, not a tax return.
State sources
Federal sources
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