Illinois Paycheck Calculator
Earning $75,000 in Illinois? Your estimated 2026 take-home is about $58,025 after federal tax and FICA, and Illinois state income tax.
Based on a $75,000 salary in Illinois, single filer, paid every 2 weeks
$2,231.72
take-home per 2 weeks · $58,025/yr
Your federal tax on Illinois pay, worked out one bracket at a time
| Bracket | Income taxed here | Tax |
|---|---|---|
| 10% ($0 – $12,400) | $12,400 | $1,240 |
| 12% ($12,400 – $50,400) | $38,000 | $4,560 |
| 22% ($50,400 – $105,700) | $8,500 | $1,870 |
Taxable income $58,900 after the $16,100 standard deduction. Your federal marginal rate is 22%, the federal tax on your next dollar earned.
Compare your take-home pay with Indiana, Wisconsin or Missouri
Your pay in Illinois: which 2026 breaks are yours to claim?
Tick the boxes that describe your pay. The Illinois pointers then show only those.
Tips: federally deductible, but Illinois still taxes tips in full. Work out the tip deduction
Overtime: federally deductible, but Illinois still taxes overtime premium pay in full. Work out the overtime deduction
Bonuses: Illinois sets no supplemental rate of its own, so a bonus goes through the normal Illinois withholding tables. Estimate the tax on a bonus in Illinois
Turning 65: the $6,000 federal senior deduction comes off your federal return; Illinois still applies its flat 4.95% to the same wages. Check the senior deduction
Use this free Illinois (IL) paycheck, payroll and income tax calculator to estimate your 2026 take-home pay after federal income tax, Social Security, Medicare, and Illinois's flat 4.95% state income tax.
Enter your own pay in the calculator to estimate your Illinois take-home pay for any salary or hourly wage.
How Illinois's flat 4.95% income tax hits your 2026 paycheck
Illinois levies a flat 4.95% state income tax for 2026, applied after the state allowance/deduction for your filing status. This calculator applies that on top of federal withholding and Social Security / Medicare to estimate your Illinois take-home pay.
For 2026, Illinois's state standard deduction is $2,925 for single filers and $5,850 for married couples filing jointly; after that, all remaining taxable income is taxed at the single flat rate of 4.95% — Illinois does not use graduated brackets for 2026. As a worked example, a single filer earning $60,000 pays about $2,825 in Illinois income tax (roughly 4.7% of gross) before federal tax and FICA.
What this estimate doesn't include: Estimate assumes 1 personal exemption allowance ($2,925) for single/head of household and 2 for married filing jointly. The exemption fully phases out above $250,000 (single) / $500,000 (MFJ) — not modeled. City, county or school-district income taxes where they apply, court-ordered deductions, union dues, and anything else your specific employer withholds are not in this figure; your pay stub is the authority on those.
Estimates only, not tax advice. The section "What this estimate doesn't include" above lists what's left out; see also our terms and the corrections log.
One rate on every taxable dollar: Illinois's 4.95% flat tax (2026)
Illinois applies a single flat rate to taxable wages for 2026.
| Filing | Rate |
|---|---|
| All taxable income | 4.95% |
No city or county income tax anywhere in Illinois
No municipality or county in Illinois levies a local income or wage tax — Chicago and Cook County impose no city wage tax on employees. All wage income is taxed only at the flat state rate of 4.95%.
Illinois's own $15.00 minimum wage — above the federal floor (2026)
$15.00/hour (≈$31,200/year full-time). Statewide $15.00/hr reached Jan 1, 2026, completing the 2019 phase-in. No state CPI indexing afterward, but Chicago ($17.05 as of July 1, 2026) and Cook County ($15.40) set higher local minimums.
Two Illinois payroll quirks worth knowing
- Illinois taxes wages at a flat 4.95% with no local income tax anywhere — but it pairs the third-highest combined sales tax (8.96% average) with one of the nation's highest effective property-tax rates (1.88%), shifting the burden off the paycheck and onto spending and homeownership.
- Illinois has no employee-side payroll deductions for disability, paid family leave, or unemployment — SUI is fully employer-paid (0.675%-6.875% on the first $13,271 of wages in 2026), so an Illinois paycheck shows only the flat 4.95% state income tax beyond federal items.
Is overtime and tips tax-free in Illinois? Federally yes, but Illinois still taxes both
For tax years 2025 to 2028 there is a federal deduction for qualified overtime premium pay and tips (OBBBA caps & rules). FICA comes out either way.
Illinois state income tax: Illinois has not adopted the federal tips/overtime deductions for state income tax as of mid-2026, so they reduce your federal tax only. (source: tax.thomsonreuters.com)
- Overtime: 2025 — not deductible on your Illinois return (still state-taxed); 2026–2028 — not deductible on your Illinois return (still state-taxed).
- Tips: 2025 — not deductible on your Illinois return (still state-taxed); 2026–2028 — not deductible on your Illinois return (still state-taxed).
Related: overtime calculator · tips calculator · overtime by state · tips by state.
Beyond the paycheck: Illinois's 6.25% sales tax and property tax
| Sales tax | 6.25% (≈8.96% with local) |
| Property tax | ≈1.88% — Among the highest effective property-tax rates in the nation — typically ranked 2nd-highest, behind only New Jersey. |
Your paycheck vs the $83,211 Illinois median
| Median household income (2024 (ACS 1-year)) | $83,211 |
| Take-home (single filer) | ≈$63,395 |
Illinois paycheck FAQ
Does Illinois have a state income tax in 2026?
Yes — a flat 4.95% on taxable wages in 2026, on top of federal tax and FICA.
What does a full-time minimum-wage job in Illinois pay in 2026?
Illinois's 2026 minimum wage is $15.00/hour — about $31,200 a year at 40 hours a week before taxes. Details and exceptions are in the minimum-wage section above.
Compare a paycheck next door: Indiana, Wisconsin & Missouri
| State | State income tax (2026) | Take-home on $75,000 (single) |
|---|---|---|
| Illinois | flat 4.95% | $58,025 |
| Indiana | flat 2.95% | $59,410 |
| Wisconsin | four brackets, 3.5%–7.65% | $58,221 |
| Missouri | eight brackets, 0%–4.7% | $59,005 |
| Iowa | flat 3.8% | $59,354 |
Those are the states next door. To see where Illinois lands against all of them at once, our take-home pay by state study runs an identical salary at two levels, $75,000 and $100,000, through the 2026 rules of every state and DC, except Arizona, California, District of Columbia, Idaho and Vermont, still on their 2025 tables, ranked from the most take-home pay to the least.
All state paycheck calculators →
Data compiled and maintained by Edmond Daher · Updated 2026-06-16