Illinois paycheck calculator
Illinois has a flat state income tax of 4.95% — uniform across all income levels. Voters rejected a 2020 ballot measure that would have introduced progressive brackets, so the flat rate persists. Illinois also offers a personal exemption that reduces the bite for lower-income filers.
Your paycheck
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Before taxes and deductions
Pay frequency
Annual take-home
Illinois$58,017
That's 77.4% of your gross — the rest goes to federal, state, Social Security, and Medicare.
Where your money goes
- Annual gross pay$75,000
- Federal income tax−$7,670
- Illinois state tax−$3,575
- Social Security (6.2%)−$4,650
- Medicare (1.45%)−$1,088
- Annual take-home$58,017
Effective rate
22.6%
Top federal bracket
22.0%
Total tax
$16,983
AI Analysis
Illinois-specific paycheck math
Illinois's flat 4.95% state tax has been at that level since 2017, when it was raised from 3.75% to address state pension funding shortfalls. It applies to wages, salaries, business income, and investment income (interest, dividends, capital gains).
Where Illinois softens the impact: a per-person exemption of approximately $2,775 per filer (and per dependent). For a married couple with two kids, that's roughly $11,100 of income exempt from state tax. The exemption is subtracted from your taxable income before applying the 4.95% rate.
Illinois fully exempts retirement income from state tax: Social Security, pension distributions, 401(k) withdrawals after age 59½, and traditional IRA distributions are all state-tax-free. This makes Illinois unexpectedly retirement-friendly relative to its high property tax reputation.
Illinois has high property taxes (effective rates around 2.0-2.3% — among the highest in the US), high gas taxes, and a 6.25% state sales tax with local additions pushing combined sales tax above 10% in Chicago. So while the income tax is moderate by national standards, the full tax burden in Illinois is substantial — particularly for homeowners.
Compare Illinois to other states
See how take-home pay in Illinois compares to other major states:
- California paycheck calculator
- Texas paycheck calculator
- Florida paycheck calculator
- New York paycheck calculator
- Pennsylvania paycheck calculator
- All-state paycheck calculator
Frequently asked questions
What is Illinois's income tax rate for 2026?
A flat 4.95% on all taxable income, regardless of filing status. The rate has been at this level since 2017.
What's the Illinois personal exemption?
Approximately $2,775 per person (filer + spouse + each dependent) — subtracted from taxable income before the 4.95% rate is applied.
Does Illinois tax Social Security and pensions?
No. Illinois fully exempts Social Security, pensions, 401(k) distributions, and IRA distributions from state income tax — making it a quietly retirement-friendly state on the income tax side.
What about Chicago's local income tax?
Chicago does not impose its own income tax on residents. Illinois law does not permit municipal income taxes (a few small home-rule areas have niche taxes but no broad-based local income tax exists).
Is investment income taxed differently in Illinois?
No — capital gains, interest, and dividends are all taxed at the same flat 4.95% rate as ordinary income.