Illinois Paycheck Calculator 2026

Illinois taxes income at a flat 4.95%.

Illinois paycheck rules for 2026

Illinois has a constitutionally flat income tax, 4.95% for individuals. There is no standard deduction; the only reduction is the exemption allowance of $2,925 for each allowance you claim on your IL-W-4. Pre-tax 401(k) contributions reduce Illinois taxable pay.

Not taxed here

Illinois does not tax Social Security benefits or most retirement income, which matters later in life but not for this paycheck estimate.

Local taxes

Illinois cities do not levy wage tax, though Chicago has other taxes that affect cost of living (not included).

What every US employee pays

All 2026 figures here are the official ones: a federal standard deduction of $16,100 for a single filer, income tax bands from 10% to 37%, Social Security at 6.2% on the first $184,500 of pay, and Medicare at 1.45% on all pay (plus 0.9% on pay above $200,000). Pre-tax 401(k) money lowers federal and most state income tax, but not Social Security or Medicare.

VSH take: a flat tax means the same rate at $50,000 and $500,000, so Illinois is gentler on high earners than California or New York but harsher on low earners than a state with a big standard deduction.

Sources and last update

Rates and thresholds were checked in October 2026 and the page was last updated on 26 October 2026. Tax rules change, so confirm on the official site before relying on a number.

• IRS: 2026 tax year inflation adjustments (brackets and standard deduction)
• IRS Publication 15-T (federal withholding methods)
• SSA: Social Security contribution and benefit base ($184,500 for 2026)
• Illinois Department of Revenue (rates, IL-W-4, withholding)

Examples

• $60,000 every two weeks, 1 allowance: $47,565 a year, $1,829 per paycheck (IL tax $2,825).
• $100,000 every two weeks, 1 allowance: $74,375 a year, $2,861 per paycheck (IL tax $4,805).
• Extra allowance: Each additional allowance saves $2,925 × 4.95% = about $145 a year.