Illinois Take-Home Pay Calculator (2026)
EstimateBy Maria Thompson, CPA · Reviewed by Robert Johnson, CPA, JD-Tax · Updated May 8, 2026 · Methodology
See estimated take-home pay in Illinois (IL) after federal income tax, FICA (Social Security and Medicare), and state income tax for 2026. Use the indexed benchmarks below or open a specific salary page for breakdown, paystub view, and worked examples.
How Illinois taxes your paycheck
Illinois levies a flat 4.95% state income tax on individual income, a rate locked in by the state constitution after voters rejected a 2020 amendment that would have permitted progressive brackets to address Illinois's substantial public pension obligations.
Illinois has no city or county income tax on wages (Chicago repealed its head tax in 2014), but Cook County and Chicago combine for sales taxes up to 10.25%—among the highest in the U.S.—and property taxes that rank in the top tier nationally.
Why this matters: Illinois is one of the few flat-tax states whose flat rate is enshrined in its constitution—voters rejected a 2020 ballot measure (the 'Fair Tax' amendment) that would have allowed progressive rates to fund pension shortfalls.
Estimated take-home pay by salary in Illinois
The table below shows estimated annual, monthly, and biweekly net pay after federal income tax, FICA, and state income tax for common salary milestones.
| Annual salary | Annual net | Monthly net | Biweekly net | Effective tax |
|---|---|---|---|---|
| $40,000 | $32,524 | $2,710 | $1,251 | 18.7% |
| $60,000 | $47,794 | $3,983 | $1,838 | 20.3% |
| $75,000 | $57,922 | $4,827 | $2,228 | 22.8% |
| $100,000 | $74,509 | $6,209 | $2,866 | 25.5% |
| $150,000 | $106,987 | $8,916 | $4,115 | 28.7% |
All indexed salary benchmarks for Illinois
Open any benchmark page for a full breakdown, paystub-style table, and links to nearby salary points and comparable states.
Local income tax notes — Illinois
Illinois has no municipal income tax on wages; Chicago previously had an employee head tax that was repealed in 2014. Cook County and Chicago levy substantial sales and property taxes instead.
Illinois tax facts at a glance
| Abbreviation | IL |
| Tax structure | Flat 4.95% state income tax |
| Flat rate | 4.95% |
| Top marginal rate | 4.95% |
| Filing deadline | April 15 |
| State revenue agency | Illinois Department of Revenue |
Illinois Take-Home Pay FAQs
Does Illinois have a state income tax?
Yes. Illinois levies a flat 4.95% state income tax on individual income, a rate locked in by the state constitution after voters rejected a 2020 amendment that would have permitted progressive brackets to address Illinois's substantial public pension obligations.
What is the top state income tax rate in Illinois?
Illinois uses a flat state income tax rate of 4.95% on taxable wages.
Are there any local income taxes in Illinois?
Illinois has no municipal income tax on wages; Chicago previously had an employee head tax that was repealed in 2014. Cook County and Chicago levy substantial sales and property taxes instead.
How much is $75,000 after taxes in Illinois?
On a $75,000 salary in Illinois, estimated take-home pay is about $4,827 per month and $2,228 biweekly after federal income tax, FICA, and state income tax.
Does Illinois have wage reciprocity with other states?
Illinois does not have publicly listed wage reciprocity agreements with other states. Cross-border commuters typically file in both the state of residence and the state of work.
Methodology & Data Quality
This take-home pay calculator for Illinois is a planning tool. We publish how estimates are computed so results are easy to audit.
Last reviewed: February 9, 2026
How we calculate
- Estimate federal income tax from the 2026 progressive bracket model with the standard deduction baseline.
- Estimate FICA as Social Security (6.2% to the wage base) plus Medicare (1.45% with no cap).
- Estimate Illinois state tax from a flat 4.95% rate.
Assumptions
- Single-filer standard deduction baseline is used for planning.
- State tax modeling is simplified and does not replace a full state-form simulation.
- Results are annualized and converted to monthly and biweekly net pay.
Limitations
- Local taxes (e.g., NYC, Philadelphia, Detroit), credits, itemized deductions, and pre-tax benefits are not fully modeled.
- Actual payroll withholding can differ by employer payroll setup and pay frequency.
- Use payroll records or a tax professional for filing-level accuracy.