✦ Free & Updated for 2026

Illinois Paycheck
Calculator

Instantly estimate your Illinois take-home pay after federal taxes, the 4.95% state flat tax, Social Security, and Medicare deductions.

Calculate My Pay ↓
4.95%IL Flat Tax Rate
6.2%Social Security
1.45%Medicare
2026Tax Year

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* This calculator provides estimates for educational purposes. Consult a tax professional for advice.

Your Results

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Enter your details and click Calculate Paycheck to see your breakdown.

How the Illinois Paycheck Calculator Works

Our calculator applies the latest 2026 federal and Illinois state tax rates to give you an accurate estimate of your take-home pay.

01

Enter Gross Pay

Input your salary or hourly gross pay for your pay period — weekly, bi-weekly, semi-monthly, or monthly.

02

Apply Federal Tax

We calculate your federal income tax withholding using 2026 IRS brackets based on your filing status and allowances.

03

Deduct Illinois Tax

Illinois uses a flat 4.95% state income tax rate applied to your taxable income — no complicated brackets.

04

Calculate FICA

Social Security (6.2% up to the wage base) and Medicare (1.45%) are deducted to give your final net pay.

Frequently Asked Questions

What is the Illinois state income tax rate for 2026?
Illinois levies a flat income tax of 4.95% on all taxable income, regardless of how much you earn. Unlike most states, Illinois does not use graduated tax brackets — everyone pays the same percentage.
How do I calculate my Illinois take-home pay?
Subtract federal income tax (based on 2026 IRS tables), Illinois state tax (4.95%), Social Security (6.2%), and Medicare (1.45%) from your gross pay. Then subtract any pre-tax or post-tax deductions. Our calculator does all of this for you automatically.
Does Illinois have local income taxes?
No. Illinois cities and counties — including Chicago — do not levy a local income tax. Your state tax obligation is limited to the statewide flat rate of 4.95%.
What pre-tax deductions reduce my Illinois taxable income?
Contributions to 401(k), 403(b), traditional IRA, HSA, FSA, and employer-sponsored health insurance premiums typically reduce your federal taxable income. However, Illinois does not conform to all federal deductions — certain retirement contributions are still taxable in Illinois.
Is the Illinois paycheck calculator free to use?
Yes, completely free. No sign-up, no account, no fees. Just enter your details and get an instant estimate of your Illinois net pay.

Want to Understand Your Illinois Paycheck Better?

Read our comprehensive guide covering Illinois tax brackets, deductions, 2026 withholding changes, and strategies to maximize your take-home pay.

Read the Full Guide →
📖 Blog Post

The Complete Illinois Paycheck Guide for 2026

Everything you need to know about Illinois taxes, deductions, and take-home pay strategies.

Read Article →