Illinois income tax in 2026
Flat 4.95% with a $2,925 exemption per person, not allowed above $250,000 of AGI ($500,000 joint).
| Taxable income, single | Rate |
|---|---|
| Over $0 | 4.95% |
No standard deduction. Personal exemption: $2,925 per person.
Take-home pay examples in Illinois
Single filer, paid every two weeks, no 401(k) or other deductions.
| Salary | Federal tax | FICA | State | Take-home / year | Per paycheck |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,835 | $32,485 | $1,249.42 |
| $60,000 | $5,020 | $4,590 | $2,825 | $47,565 | $1,829.42 |
| $80,000 | $8,770 | $6,120 | $3,815 | $61,295 | $2,357.49 |
| $100,000 | $13,170 | $7,650 | $4,805 | $74,375 | $2,860.57 |
| $150,000 | $24,734 | $11,475 | $7,280 | $106,511 | $4,096.57 |
On a $75,000 salary a single worker in Illinois takes home about $58,025 a year, ranking 40 of the 49 states we cover for take-home pay at that salary.
Federal taxes on every paycheck
Three federal amounts come out of almost every US paycheck. Social Security is 6.2% of wages up to $184,500 in 2026. Medicare is 1.45% of all wages, plus 0.9% above $200,000 ($250,000 for married couples filing jointly). Federal income tax is withheld based on your W-4, using brackets from 10% to 37% after the $16,100 standard deduction for single filers ($32,200 married filing jointly).
Traditional 401(k) contributions reduce federal and most state income tax but not Social Security and Medicare. Health, dental and HSA premiums taken through a cafeteria plan reduce all three. That is why $100 more into a 401(k) usually lowers your paycheck by only $70 to $80.
Why your real paycheck may differ
This calculator works out the tax you owe for the year and spreads it evenly over your paychecks. Employers use the IRS withholding tables in Publication 15-T and your W-4 answers, so individual checks can be a few dollars off, and bonuses are often withheld at a flat 22%. The OBBBA deductions for tips and overtime (up to $25,000 and $12,500) and the extra $6,000 deduction for people 65 and over are claimed on your tax return and not reflected here unless your W-4 accounts for them. If you get a large refund or owe money every April, update your W-4.