Last updated: September 2026

Illinois Paycheck Calculator

On $75,000 a year, a single filer in Illinois takes home about $58,025, or $2,232 on a biweekly check, after $3,568 in Illinois income tax. Illinois has no city income taxes and no state disability deduction, so the state's 4.95% is the only state tax on your pay stub.

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

Estimate Your Take-Home Pay

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Pre-Tax Deductions (optional)
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Reduces taxable income. Does not reduce Social Security or Medicare.

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Section 125 plan — reduces income tax and FICA.

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Reduces income tax and FICA.

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From Step 4(c) of your W-4.

Results update automatically as you type.

Estimated Take-Home Pay
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per paycheck
Item Per Check Annual
Gross Pay — —
Federal Income Tax — —
Social Security (6.2%) — —
Medicare (1.45%) — —
Take-Home Pay — —
Effective Tax Rate
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all taxes combined
Total Deductions
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per paycheck

Estimates federal, state, and select city taxes. Actual withholding may vary.

Illinois Salary After Taxes at Common Pay Levels (2026)

Salary after taxes for a single filer in Illinois: this table estimates take-home pay after federal income tax, FICA (Social Security 6.2% and Medicare 1.45%), and Illinois state income tax. Based on the 2026 IRS tax tables and the Illinois state 2026 tax schedule.

Annual Salary Federal Tax FICA IL Tax Take-Home Effective Rate
$40,000 $2,620 $3,060 $1,835 $32,485 18.8%
$60,000 $5,020 $4,590 $2,825 $47,565 20.7%
$80,000 $8,770 $6,120 $3,815 $61,295 23.4%
$100,000 $13,170 $7,650 $4,805 $74,375 25.6%
$150,000 $24,734 $11,475 $7,280 $106,511 29%
$200,000 $36,734 $14,339 $9,755 $139,172 30.4%

Single filer, no pre-tax deductions. Assumes year-round wages; standard deduction applied. The federal brackets, standard deduction and Social Security wage base behind these figures are on the 2026 tax figures page.

Illinois Take-Home Pay by Pay Frequency (2026)

The same Illinois take-home figures divided across common pay schedules — what actually lands in your account each payday, after federal tax, FICA, and Illinois state income tax.

Annual Salary Weekly52/yr Biweekly26/yr Semi-Monthly24/yr Monthly12/yr
$40,000 $625 $1,249 $1,354 $2,707
$60,000 $915 $1,829 $1,982 $3,964
$80,000 $1,179 $2,357 $2,554 $5,108
$100,000 $1,430 $2,861 $3,099 $6,198
$150,000 $2,048 $4,097 $4,438 $8,876
$200,000 $2,676 $5,353 $5,799 $11,598

Biweekly and semi-monthly are not the same thing. Biweekly means every other Friday — 26 paychecks a year, so two months each year contain three paydays. Semi-monthly means twice a month (often the 15th and the last day) — 24 slightly larger paychecks. On a $40,000 salary in Illinois, that difference is about $104 per check. Annual take-home is identical either way.

Single filer, no pre-tax deductions. Divides annual take-home evenly; real paychecks vary slightly with withholding rounding and benefit deductions.

What's different about a Illinois paycheck

A flat 4.95% on almost everything

Illinois withholds the same rate on every dollar above your exemptions, which are set on Form IL-W-4, not your federal W-4. With only one rate, a bonus costs the same 4.95% in Illinois tax as the rest of your pay, so a $10,000 bonus paid on its own check comes to about $6,540 after the federal 22%, Illinois tax, and FICA.

No city income tax, even in Chicago

No Illinois city or county withholds income tax, so living in Chicago costs nothing extra on your paycheck compared with the suburbs. Your state withholding depends only on your pay and your IL-W-4.

An automatic retirement deduction you can switch off

Employers that have been in business at least two years and don't offer a retirement plan must enroll workers in My Illinois Savings, the state's program formerly called Secure Choice. Unless you opt out, 5% of your pay goes into a Roth IRA. Roth contributions come from after-tax pay, so they lower your take-home without lowering your tax.

Two minimum wages

The statewide minimum wage is $15.00 an hour, or $31,200 for a full-time year, about $25,850 take-home. Chicago is higher: $17.05 an hour from July 1, 2026 at employers with four or more workers, adjusted each July. Tipped workers can be paid 60% of the state minimum, and $12.96 in Chicago, as long as tips make up the difference.

For the annual picture, including capital gains, credits, and filing deadlines, see the Illinois income tax calculator.

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.

Top Cities in Illinois

The largest cities in Illinois, by U.S. Census Bureau estimate for July 1, 2025:

  • Chicago — 2,731,585 residents
  • Aurora — 181,505 residents
  • Naperville — 153,114 residents
  • Joliet — 152,241 residents

How Illinois Compares to Neighboring States

Single-filer take-home on a $75,000 annual salary in 2026, federal + state income tax + FICA only:

State Take-Home vs. Illinois
Illinois (here) $58,025 —
Wisconsin $58,649 +$624
Iowa $59,394 +$1,370
Missouri $59,059 +$1,034
Kentucky $59,085 +$1,060
Indiana $59,410 +$1,385

Take-home reflects single filer, no pre-tax deductions; SDI/PFML and local taxes excluded for an apples-to-apples comparison.

Frequently Asked Questions

What is the Illinois state income tax rate?

Illinois has a flat income tax rate of 4.95% for 2026. Whether you earn $40,000 or $200,000, your state tax rate is the same — applied to taxable income after the personal exemption.

How much is taken out of my paycheck in Illinois?

For a single filer earning $75,000 in Illinois (2026), expect roughly $7,670 in federal income tax, $5,738 in FICA, and $3,568 in Illinois state income tax — leaving about $58,025 take-home (22.6% effective tax rate). Illinois has no state paid-leave premium and no local income tax, so those are the only deductions required by law.

How much is Illinois state tax on a paycheck?

4.95% of your wages after your exemption allowance, which is $2,925 per person for 2026. On $75,000 that is about $3,568 a year, or $137 per biweekly check.

Does Chicago take city tax out of my paycheck?

No. Chicago has no income tax, and neither does any other Illinois city or county.

What is the My Illinois Savings deduction on my pay stub?

An automatic 5% contribution to a Roth IRA through the state's retirement program, for workers whose employer doesn't offer a plan. You can change the amount or opt out at any time.

What is the minimum wage in Chicago?

$17.05 an hour from July 1, 2026 at employers with four or more workers, and $12.96 for tipped workers. The statewide minimum is $15.00.

More Illinois Calculators

Illinois Income Tax Calculator
Estimate Illinois state and federal income tax on your annual income.
Illinois Sales Tax
Illinois state and city sales tax rates, with a calculator.

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