Illinois Take-Home Pay Calculator
4.95% flat rateEstimate your net paycheck after federal taxes, FICA, and Illinois state income tax.
Last updated: April 2026
Illinois Income Tax
Illinois has a flat 4.95% income tax rate, constitutionally mandated to be uniform.
Illinois State Income Tax: What You Need to Know
Illinois has a flat 4.95% income tax rate, constitutionally mandated to be uniform.
Illinois has a constitutionally mandated flat income tax — all residents pay the same 4.95% rate regardless of income. Illinois also has relatively high property taxes and an 8.55% average state+local sales tax. Chicago residents are not subject to a separate city income tax on wages, though Chicago has various business and employment taxes that affect employers.
On top of state taxes, all workers also pay federal income tax based on the 2026 progressive brackets, plus FICA taxes: Social Security (6.2% up to $176,100) and Medicare (1.45% on all wages).
Our calculator applies Illinois's 4.95% flat rate to your gross income as a simplified estimate. Actual state taxes may vary based on deductions, exemptions, and local taxes not captured in this estimate.
Illinois Take-Home Pay Examples (2026, Single Filer)
Estimates based on standard deduction, no pre-tax deductions. Last updated: April 2026.
| Salary | Federal Tax | State Tax | FICA | Take-Home |
|---|---|---|---|---|
| $40,000 | $3,167 | $1,980 | $3,060 | $31,793 |
| $60,000 | $6,617 | $2,970 | $4,590 | $45,823 |
| $80,000 | $10,817 | $3,960 | $6,120 | $59,103 |
| $100,000 | $15,617 | $4,950 | $7,650 | $71,783 |
Frequently Asked Questions: Illinois Taxes
Why is Illinois income tax constitutionally required to be flat?
The Illinois Constitution of 1970 requires that the state income tax be at a 'non-graduated' (flat) rate. This means Illinois cannot have progressive brackets like most states. Every income level pays the same 4.95% rate.
Does Chicago have a city income tax?
No. Chicago does not have a personal income tax on wages. Chicago residents pay only Illinois state income tax (4.95%) and federal income tax. However, Chicago does impose other taxes and fees that affect the cost of living.
What is Illinois minimum wage in 2026?
Illinois minimum wage is $15.00/hour in 2026, having reached this level January 1, 2025. Chicago and Cook County may have higher local minimums.
How does Illinois tax retirement income?
Illinois exempts most retirement income from state income tax — including Social Security, pension payments, 401(k) and IRA distributions. This makes Illinois more attractive for retirees despite the 4.95% rate on wages.
Does Illinois allow a standard deduction?
Illinois does not have a standard deduction like the federal system. However, Illinois does allow a personal exemption of $2,425 per taxpayer (and $2,425 per dependent) for 2026. This reduces taxable income slightly.
What is the take-home pay on a $80,000 salary in Illinois?
A single filer earning $80,000 in Illinois takes home approximately $59,103 per year after federal income tax (~$10,817), Illinois state tax (~$3,960), Social Security ($4,960), and Medicare ($1,160). Effective total tax rate: about 26%.