Last updated: September 2026

Illinois Income Tax Calculator

Illinois taxes income at a flat 4.95% after a $2,925 personal exemption for 2026, which works out to $3,815 on an $80,000 salary. The flat rate is written into the state constitution, and Illinois is one of the few states that leaves nearly all retirement income untaxed.

Illinois tax data current for 2025 & 2026 · 2027 available as a projection · Updated for the One Big Beautiful Bill Act

Estimate Your Tax Bill

Income
$
$

SE tax and the deductible half are calculated automatically.

$
Deduction
Standard deduction —

Results update automatically as you type.

Estimated Total Tax
—
federal + state + SE
Wages / Salary —
Total Income —
Adj. Gross Income —
Standard Deduction —
Taxable Income —
Federal Income Tax —
Total Tax —
Effective Rate
—
total tax / total income
Marginal Rate
—
federal, on last dollar

Estimate only. Does not include credits, AMT, or investment income at preferential rates.

Federal Tax Bracket Breakdown

Enter your income above to see how your tax is calculated bracket by bracket.

Illinois Income Tax at Common Salaries (2026)

Estimated annual federal and Illinois state income tax for a single filer, after the standard deduction. Numbers reflect the 2026 IRS tax tables and the 2026 Illinois state tax schedule. FICA (Social Security and Medicare) is not income tax — see the calculator above for full paycheck modeling.

Salary Federal Tax IL Tax Total Income Tax Effective Rate
$40,000 $2,620 $1,835 $4,455 11.1%
$60,000 $5,020 $2,825 $7,845 13.1%
$80,000 $8,770 $3,815 $12,585 15.7%
$100,000 $13,170 $4,805 $17,975 18%
$150,000 $24,734 $7,280 $32,014 21.3%
$200,000 $36,734 $9,755 $46,489 23.2%

Single filer using the standard deduction. No tax credits, itemized deductions, or pre-tax adjustments.

What's different about Illinois income tax

One flat rate, set by the constitution

Every dollar of Illinois net income is taxed at 4.95%, whatever you earn. The only thing subtracted first is the personal exemption, $2,925 per person for 2026 (up from $2,850 for 2025), plus the same again for a spouse and each dependent.

The exemption disappears above $250,000

If your federal adjusted gross income is over $250,000 ($500,000 on a joint return), you get no exemption at all. It is a cliff, not a phase-out: one dollar over the limit costs $145 more tax for a single filer. The same limits cut off the property tax and K-12 education credits. At $260,000 a single filer owes about $12,870. The calculator applies the cutoff.

Retirement income is almost entirely untaxed

Illinois lets you subtract Social Security, railroad retirement, pensions, and qualified distributions from retirement plans such as 401(k)s and IRAs, as long as they are included in your federal income. Few states exempt all of these at once, which makes Illinois unusually light on retirees despite its reputation.

Credits for homeowners and parents

Homeowners can claim 5% of the property tax paid on their main home as a credit, and parents can claim a credit for K-12 education expenses of up to $750. Both are unavailable above the $250,000 / $500,000 income limits. Families that receive the Illinois earned income credit and have a child under 12 also get a child tax credit worth 40% of it.

Illinois tax credits (2025 returns)

Credits come off the tax itself, after the brackets. The calculator applies only the ones marked; the rest depend on your family and income, so subtract any you qualify for from the estimate.

Credit Amount Who gets it In calculator
Property tax credit 5% of property tax paid on your main home Homeowners, federal AGI up to $250,000 ($500,000 joint) No
K-12 education expense credit Up to $750 Parents of K-12 students, same income limits No
Illinois earned income tax credit Based on your federal EITC Workers who qualify for the federal credit, and some who don't No
Illinois child tax credit 40% of your Illinois EITC Illinois EITC recipients with a dependent child under 12 No

Illinois Income Tax Brackets (2026)

Illinois has a flat income tax of 4.95% for 2026. Both single and joint filers pay the same rate on all taxable income.

Personal exemption
$2,925 single · $5,850 joint; none above $250,000 of income ($500,000 joint)

Taxable income equals gross wages minus pre-tax deductions and the personal exemption.

Filing and paying Illinois income tax

Return
Form IL-1040, due April 15. MyTax Illinois lets you file directly with the Department of Revenue.
Withholding
Illinois uses its own Form IL-W-4. Your employer applies 4.95% after the exemptions you claim on it.
Estimated payments
On Form IL-1040-ES if Illinois tax is not withheld from some of your income, such as self-employment or investment income.

To see how Illinois sits against every other state on top rate, bracket count and standard deduction, see state income tax rates for 2026 — all 51 jurisdictions in one sortable table.

How Illinois Income Tax Compares to Neighboring States

Total income tax (federal + state) on a $100,000 annual salary in 2026, single filer using the standard deduction:

State State Tax Total Income Tax vs. Illinois
Illinois (here) $4,805 $17,975 —
Wisconsin $4,428 $17,598 -$378
Iowa $3,148 $16,318 -$1,657
Missouri $3,670 $16,840 -$1,135
Kentucky $3,382 $16,552 -$1,423
Indiana $2,921 $16,091 -$1,885

A negative "vs." figure means that state collects less total income tax than Illinois. Federal portion is identical across states; only state tax varies.

Frequently Asked Questions

What is the Illinois state income tax rate for 2026?

Illinois has a flat 4.95% state income tax rate for 2026. The rate is the same regardless of income — applied to taxable income after the personal exemption. Federal rates (10%–37%) layer on top.

How much income tax will I pay in Illinois on a $100,000 salary?

For a single filer earning $100,000 in Illinois in 2026, expect approximately $13,170 in federal income tax and $4,805 in Illinois state income tax — for a total income tax of about $17,975, an effective rate of 18%. This excludes FICA (Social Security and Medicare), which adds roughly 7.65% on top.

What is the Illinois personal exemption for 2026?

$2,925 per person, up from $2,850 for 2025. You lose it entirely if your federal adjusted gross income is over $250,000, or $500,000 on a joint return.

Does Illinois tax retirement income?

Generally no. Social Security, railroad retirement, pensions, and qualified retirement plan distributions included in your federal income can be subtracted on the Illinois return.

Why did my Illinois tax jump when my income crossed $250,000?

Above $250,000 of federal AGI ($500,000 joint) Illinois disallows the personal exemption entirely, along with the property tax and K-12 education credits.

Does Chicago have a city income tax?

No. Neither Chicago nor any other Illinois city or county taxes personal income. The 4.95% state rate is the whole income tax.

For the preferential federal rates on long-term gains, see the Capital Gains Tax Calculator. For the federal brackets, standard deduction, and Social Security wage base that sit underneath this state calculation, see 2026 Tax Calculators.

More Illinois Calculators

Illinois Paycheck Calculator
Per-paycheck take-home after federal and state income tax and FICA.
Illinois Sales Tax
Illinois state and city sales tax rates, with a calculator.

All-States Income Tax

The general income tax calculator with every U.S. state.

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