What is the Illinois income tax rate for 2026?

A flat 4.95% on net income, unchanged since 2017. Illinois does not use brackets — the same rate applies to the first dollar you earn and the millionth.

What is the Illinois exemption allowance?

$2,925 per person for 2026, doubled to $5,850 for a married couple filing jointly. It is subtracted from income before the 4.95% is applied. The allowance is withdrawn completely once federal AGI passes $250,000, or $500,000 filing jointly — it is not tapered.

Does Chicago have a city income tax?

No. Unlike New York City or Philadelphia, no Illinois municipality levies an income tax, so where you live inside the state does not change your income tax bill.

Does Illinois tax 401(k) withdrawals or pensions?

No. Illinois does not tax qualified retirement income — Social Security, 401(k) and IRA distributions, and most public and private pensions are all exempt from state income tax. This calculator covers wage income, so it does not model those exclusions.

Are Illinois payroll deductions taken from my paycheck?

Not by the state. Unemployment insurance in Illinois is funded by employers, and the state runs no employee disability or paid family leave levy. The only payroll deductions on an Illinois paycheck are the federal ones, Social Security and Medicare.

I live in Illinois but work in another state — who taxes me?

Illinois has reciprocal agreements with Iowa, Kentucky, Michigan and Wisconsin, so wages earned in those states are taxed only by Illinois. Indiana and Missouri have no such agreement, so you would file a non-resident return there and claim a credit in Illinois.

Is my data sent anywhere?

No. The calculation runs entirely in your browser. There is no account, and the salary you type is never sent to a server or stored. It never leaves your device.

United States · Illinois · Tax year 2026

Illinois Paycheck & Income Tax Calculator

Illinois taxes every dollar at the same 4.95%. Type your salary to see what that leaves you once federal tax and FICA come out too.

Take-home per paycheck · 2026

$2,231.72

Paid every two weeks · $58,025 a year

You keep 77% of your gross pay. Illinois itself takes 4.8%.

This is your 2026 tax for the whole year, spread evenly across 26 paychecks and rounded to the cent. A real payslip can differ slightly from one paycheck to the next: employers withhold using tables that approximate the year's tax rather than match it, and stop taking a contribution once your wages for the year pass its cap.

Effective rate 22.6% of your gross

Marginal rate 27.0% on your next dollar

Total tax $652.90 a paycheck · $16,975 a year

Federal income tax$295.00
IL income tax$137.22
FICA$220.68
Take-home$2,231.72

Itemized deductions from gross pay, per paycheck and per year
Deduction	Rate	Per paycheckPer year	Per year
Gross payAnnual salary ÷ 26		$2,884.62$75,000.00	$75,000.00
Federal
Federal income taxAfter the $16,100 standard deduction		−$295.00−$7,670.00	−$7,670.00
Social SecurityCapped at $184,500 of wages	6.20%	−$178.85−$4,650.00	−$4,650.00
Medicare	1.45%	−$41.83−$1,087.50	−$1,087.50
Illinois
IL income taxAfter the $2,925 personal exemption		−$137.22−$3,567.71	−$3,567.71
Total tax		−$652.90−$16,975.21	−$16,975.21
Net pay		$2,231.72$58,024.79	$58,024.79

Per paycheck, each line is its annual amount ÷ 26, rounded to the nearest cent.

What this means

On a salary of $75,000 you keep $58,025 — about 77% of what you earn. The remaining $16,975 is split across four separate deductions.

The largest is federal income tax at $7,670, roughly 45% of your total tax bill. Illinois's own income tax takes $3,568, which is less than the $5,738 taken for Social Security and Medicare.

Your next dollar of income would be taxed at 27.0% once federal and state are combined, while the rate you actually pay across the whole salary is 22.6%. That gap is why a raise never feels as large as the headline rate suggests — and why the effective rate, not the bracket you land in, is the number worth comparing between states.

Show the working, band by band

Every figure above is computed from published 2026 rates for the whole year, then divided across 26 paychecks.

Federal — on $58,900 taxable income

Band	Rate	Taxed here	Tax
$0 – $12,400	10%	$12,400	$1,240.00
$12,400 – $50,400	12%	$38,000	$4,560.00
$50,400 – $105,700	22%	$8,500	$1,870.00

Illinois — on $72,075 taxable income

Band	Rate	Taxed here	Tax
$0 and above	4.95%	$72,075	$3,567.71

Illinois tax at a glance, 2026

State income tax: 4.95% flat; One rate on every dollar
Exemption allowance: $2,925; Per person; withdrawn above $250,000
Local income tax: None; Chicago included
Payroll add-ons: None; No employee-side state levy

How Illinois income tax works

Illinois is one of the simplest states to calculate. There are no brackets and no tapering schedule: every dollar of net income is taxed at 4.95%, whether you earn $30,000 or $3,000,000.

The only adjustment for most wage earners is the exemption allowance, which is $2,925 per person for 2026 and $5,850 for a married couple filing jointly. It comes off your income before the rate is applied, so a single filer on $75,000 pays 4.95% on $72,075 rather than on the full amount.

One detail catches higher earners out. The allowance is not reduced gradually as income rises — it disappears entirely the moment federal AGI passes $250,000, or $500,000 for joint filers. Crossing that line by a single dollar costs you the whole allowance.

Single filers and married filing separately · 2026
Taxable income	Rate
$0 and above	4.95%

Why Illinois has one rate and not brackets

This is written into the state constitution. Article IX requires that any income tax be levied “at a non-graduated rate”, which means Illinois cannot introduce brackets the way its neighbors have without amending the constitution itself.

That was attempted recently. In November 2020 voters were asked to approve an amendment allowing graduated rates — the so-called Fair Tax — and rejected it. The flat structure stayed, and the rate has remained 4.95% since it rose from 3.75% in 2017.

The practical consequence is that your marginal and effective state rates are almost identical in Illinois. In a bracketed state such as New Jersey they diverge sharply; here, the only gap comes from the exemption allowance, and it narrows as income rises.

Take-home pay at every salary in Illinois

What an Illinois salary is worth after federal tax, the 4.95% state tax and FICA. Every row comes from the calculator above.

Annual take-home pay by gross salary · 2026
Gross salary	Total tax	Take-home (single)	Effective rate	Take-home (married)
$30,000	−$5,055	$24,945	16.9%	$26,510
$40,000	−$7,515	$32,485	18.8%	$34,470
$50,000	−$9,975	$40,025	20.0%	$42,210
$60,000	−$12,435	$47,565	20.7%	$49,890
$75,000	−$16,975	$58,025	22.6%	$61,200
$85,000	−$20,435	$64,565	24.0%	$68,740
$100,000	−$25,625	$74,375	25.6%	$80,050
$125,000	−$34,339	$90,661	27.5%	$98,900
$150,000	−$43,489	$106,511	29.0%	$116,050
$200,000	−$60,828	$139,172	30.4%	$149,711
$250,000	−$79,048	$170,952	31.6%	$185,383

What lands in your account each payday

On $75,000 a year in Illinois, filing single, here is the same take-home figure split across the pay schedules employers actually use.

Net pay on $75,000 gross · single filer
Pay schedule	Gross	Net
Every week	$1,442	$1,116
Every two weeks	$2,885	$2,232
Twice a month	$3,125	$2,418
Every month	$6,250	$4,835

Illinois does not tax retirement income

This is the most valuable thing about Illinois tax and the least known. The state exempts qualified retirement income entirely — Social Security benefits, 401(k) and IRA distributions, and most public and private pensions all come out untaxed at the state level.

That puts Illinois in a small group of states that levy an income tax on wages but leave retirement income alone, and it changes the arithmetic considerably for anyone deciding where to retire. A pension that would face state tax in most of the Midwest faces none here.

The calculator on this page models wage income, so it does not apply these exclusions. If your income is largely from retirement accounts, your actual Illinois liability will be far lower than a wage-based figure suggests — quite possibly nil.

The counterweight is property tax. Illinois carries one of the heaviest property tax burdens in the country, second only to New Jersey by most measures, so the income tax picture on its own understates the total cost of living here.

If you work across a state line

Illinois has reciprocal agreements with Iowa, Kentucky, Michigan and Wisconsin. If you live in Illinois and work in any of those four, only Illinois taxes those wages — you file one state return, not two.

Indiana and Missouri are the exceptions, and they matter because of where people actually live. There is no agreement with either, so an Illinois resident working in St. Louis or northwest Indiana files a non-resident return in that state and claims a credit against their Illinois liability. The credit is capped at what Illinois would have charged, so if the other state’s rate is higher, the difference is a real cost.

Dates that matter for the 2026 tax year

Illinois returns (Form IL-1040) are due April 15, 2027, matching the federal deadline. Illinois grants an automatic six-month extension to file without needing to ask, though any tax owed is still due in April. Estimated payments, if you need them, fall quarterly in April, June, September and the following January. The rate on this page applies to income earned between January 1 and December 31, 2026.

Questions people ask

What is the Illinois income tax rate for 2026?: A flat 4.95% on net income, unchanged since 2017. Illinois does not use brackets — the same rate applies to the first dollar you earn and the millionth.
What is the Illinois exemption allowance?: $2,925 per person for 2026, doubled to $5,850 for a married couple filing jointly. It is subtracted from income before the 4.95% is applied. The allowance is withdrawn completely once federal AGI passes $250,000, or $500,000 filing jointly — it is not tapered.
Does Chicago have a city income tax?: No. Unlike New York City or Philadelphia, no Illinois municipality levies an income tax, so where you live inside the state does not change your income tax bill.
Does Illinois tax 401(k) withdrawals or pensions?: No. Illinois does not tax qualified retirement income — Social Security, 401(k) and IRA distributions, and most public and private pensions are all exempt from state income tax. This calculator covers wage income, so it does not model those exclusions.
Are Illinois payroll deductions taken from my paycheck?: Not by the state. Unemployment insurance in Illinois is funded by employers, and the state runs no employee disability or paid family leave levy. The only payroll deductions on an Illinois paycheck are the federal ones, Social Security and Medicare.
I live in Illinois but work in another state — who taxes me?: Illinois has reciprocal agreements with Iowa, Kentucky, Michigan and Wisconsin, so wages earned in those states are taxed only by Illinois. Indiana and Missouri have no such agreement, so you would file a non-resident return there and claim a credit in Illinois.
Is my data sent anywhere?: No. The calculation runs entirely in your browser. There is no account, and the salary you type is never sent to a server or stored. It never leaves your device.

Where these figures come from

Every Illinois number on this page was read from the documents below — the state's own, not a summary of them. Nothing here is estimated. If a figure looks wrong, the source is one click away, and we would rather you checked.

Income tax ratestax.illinois.gov
Illinois Department of Revenue
The single flat rate the Illinois constitution requires, and the exemption allowance per person.
Benefit Rights Information for Claimants and Employersides.illinois.gov
Illinois Department of Employment Security
That unemployment benefits are financed by employer payroll taxes, not by any deduction from wages.