Illinois Paycheck Calculator
Your estimated take-home pay in Illinois for 2026 — federal tax plus Illinois' flat 4.95% state tax, calculated with the Department of Revenue's official Booklet IL-700-T formula and your Form IL-W-4 allowances.
Advanced — W-4 adjustments (optional)
| Gross pay | $0.00 |
| Pre-tax deductions | −$0.00 |
| Federal income tax | −$0.00 |
| Social Security (6.2%) | −$0.00 |
| Medicare (1.45%) | −$0.00 |
| Illinois state tax (4.95%) | −$0.00 |
| Take-home pay | $0.00 |
Quick answers
$80,000 a year in Illinois: take-home pay of $2,284.72 per paycheck (every two weeks), or $59,402.72 a year.
$35 an hour in Illinois (40 hours a week): take-home pay of $1,051.80 per weekly paycheck, or $54,693.60 a year.
$100,000 a year in Illinois: take-home pay of $2,787.79 per paycheck (every two weeks), or $72,482.54 a year.
All three assume a single filer claiming one basic allowance on Form IL-W-4, with no pre-tax deductions.
How this calculator works
Illinois keeps its state calculation in one short formula printed in the Department of Revenue's Booklet IL-700-T. The steps:
- Start with gross pay for the period — your salary divided by the number of paychecks in the year, or your hourly rate times the hours in the paycheck.
- Subtract pre-tax deductions for both sides. Illinois withholding is figured on the wages subject to federal income tax withholding, so a traditional 401(k) contribution lowers your Illinois taxable pay just as it lowers your federal taxable pay.
- Annualize and apply the IRS schedule. Your federal taxable pay is annualized, run through the Publication 15-T (2026) schedule for your filing status and W-4 entries, then divided back into paychecks.
- Add FICA. Social Security is 6.2% of wages up to $184,500 for 2026; Medicare is 1.45% of all wages, plus 0.9% withholding on wages from one employer above $200,000.
- Illinois tax — the IL-700-T formula. From your pay for the period, subtract your allowance exemption for the period: $2,925 for each basic allowance on Line 1 of your IL-W-4, plus $1,000 for each additional allowance on Line 2, divided by the number of paychecks in the year. Multiply what's left by 4.95%, then add any extra withholding you requested on Line 3. Filing status plays no part in the Illinois calculation.
- The remainder is your take-home pay. There is no Illinois local income tax to subtract afterwards.
Worked examples
These examples were produced with this calculator's own engine — IRS Publication 15-T for the federal lines, the Booklet IL-700-T percentage formula for the Illinois line. Unless stated otherwise: single filer, one basic IL-W-4 allowance, no additional allowances, no pre-tax deductions, no W-4 adjustments. Rows are the calculator's outputs, rounded to the cent.
Example 1: $80,000 salary, single, paid every two weeks
| Gross pay per paycheck | $3,076.92 |
| Federal income tax | −$410.08 |
| Social Security (6.2%) | −$190.77 |
| Medicare (1.45%) | −$44.62 |
| Illinois state tax (4.95%) | −$146.74 |
| Take-home pay | $2,284.72 |
Over a full year: $59,402.72 of take-home pay out of $80,000 gross. Illinois takes $146.74 a paycheck, $3,815.24 over the year — about 4.8% of gross pay, a little under the headline 4.95% because the one basic allowance shelters $2,925 of pay.
Example 2: $120,000 salary, single, with a 401(k)
Paid every two weeks, with a pre-tax 401(k) contribution of $300 per paycheck.
| Gross pay per paycheck | $4,615.38 |
| Pre-tax 401(k) contribution | −$300.00 |
| Federal income tax | −$682.54 |
| Social Security (6.2%) | −$286.15 |
| Medicare (1.45%) | −$66.92 |
| Illinois state tax (4.95%) | −$208.04 |
| Take-home pay | $3,071.72 |
Without the 401(k), federal withholding would be $753.77 per paycheck and Illinois withholding $222.89. Contributing $300 cuts federal withholding by $71.23 and Illinois withholding by $14.85 — exactly 4.95% of the contribution, because Illinois follows the federal wage base. So the $300 contribution costs $213.92 of spendable pay per check. Take-home pay for the year is $79,864.72, plus $7,800 that went into the 401(k). Compare Pennsylvania, which taxes 401(k) contributions and gives no such break.
Example 3: $30 an hour, married filing jointly, paid weekly
Two basic IL-W-4 allowances (one for the employee, one for a spouse).
| Gross pay per paycheck (40 hours) | $1,200.00 |
| Federal income tax | −$89.92 |
| Social Security (6.2%) | −$74.40 |
| Medicare (1.45%) | −$17.40 |
| Illinois state tax (4.95%) | −$53.83 |
| Take-home pay | $964.45 |
At 40 hours a week, $30 an hour is $62,400 a year before tax and $50,151.40 after. The Illinois line is $53.83 a week, $2,799.16 over the year: the two basic allowances shelter $5,850 of pay, and the remaining tax is a straight 4.95% of the rest.
Illinois take-home pay by salary
Single filer, paid every two weeks, one basic IL-W-4 allowance, no pre-tax deductions.
| Annual salary | Gross per paycheck | Federal tax | Illinois tax | FICA | Take-home per paycheck | Take-home per year |
|---|---|---|---|---|---|---|
| $40,000 | $1,538.46 | −$140.46 | −$70.59 | −$117.69 | $1,209.72 | $31,452.72 |
| $50,000 | $1,923.08 | −$186.62 | −$89.62 | −$147.11 | $1,499.72 | $38,992.72 |
| $60,000 | $2,307.69 | −$240.85 | −$108.66 | −$176.54 | $1,781.64 | $46,322.64 |
| $75,000 | $2,884.62 | −$367.77 | −$137.22 | −$220.68 | $2,158.96 | $56,132.96 |
| $100,000 | $3,846.15 | −$579.31 | −$184.82 | −$294.23 | $2,787.79 | $72,482.54 |
| $125,000 | $4,807.69 | −$799.92 | −$232.41 | −$367.79 | $3,407.57 | $88,596.82 |
| $150,000 | $5,769.23 | −$1,030.69 | −$280.01 | −$441.34 | $4,017.18 | $104,446.68 |
Illinois takes a nearly constant share: the state column runs from about 4.6% of gross pay at $40,000 to about 4.9% at $150,000, because the single $2,925 allowance shelters a smaller fraction as pay rises. The comparison that makes the point: the same $100,000 filer takes home $77,287.86 a year in Texas or Florida, where there is no state tax. In Illinois they keep $72,482.54. The $4,805.32 difference is exactly the year's Illinois tax.
Illinois take-home pay by the hour
Single filer, paid weekly, 40 hours a week, one basic IL-W-4 allowance, no pre-tax deductions.
| Hourly rate | Gross per week | Federal tax | Illinois tax | FICA | Take-home per week | Take-home per year |
|---|---|---|---|---|---|---|
| $15.00 | $600.00 | −$49.92 | −$26.92 | −$45.90 | $477.26 | $24,817.52 |
| $20.00 | $800.00 | −$73.92 | −$36.82 | −$61.20 | $628.06 | $32,659.12 |
| $25.00 | $1,000.00 | −$97.92 | −$46.72 | −$76.50 | $778.86 | $40,500.72 |
| $30.00 | $1,200.00 | −$130.58 | −$56.62 | −$91.80 | $921.00 | $47,892.00 |
| $40.00 | $1,600.00 | −$218.58 | −$76.42 | −$122.40 | $1,182.60 | $61,495.20 |
| $50.00 | $2,000.00 | −$306.58 | −$96.22 | −$153.00 | $1,444.20 | $75,098.40 |
The first row is the floor for most Illinois jobs: the state minimum wage is $15.00 an hour in 2026 for workers 18 and over (Chicago and Cook County set higher local minimums). Even at minimum wage, Illinois tax is $26.92 a week — the flat rate reaches nearly every dollar after the small allowance exemption.
Illinois pay rules worth knowing
Minimum wage. $15.00 an hour for workers 18 and over since January 1, 2025, under the Illinois Minimum Wage Law (820 ILCS 105), with no further increase scheduled. Workers under 18 who work fewer than 650 hours in a calendar year can be paid $13.00, and tipped employees have a $9.00 cash wage. Chicago and Cook County set higher local minimum wages — but no Illinois locality has an income tax.
Paydays. The Wage Payment and Collection Act (820 ILCS 115) requires employers to pay all wages at least semi-monthly. Wages earned in a semi-monthly or biweekly period are due no later than 13 days after the period ends; weekly wages are due within 7 days. Executive, administrative, and professional employees may be paid monthly.
Final paychecks. On separation, final compensation is due in full at the time of separation if possible, and no later than the next regularly scheduled payday (820 ILCS 115/5), whether the employee quit or was discharged. Earned, unused vacation must be included — Illinois treats accrued vacation as wages that cannot be forfeited.
No local income tax. Unlike Pennsylvania's municipal earned income taxes or New York City's resident tax, no Illinois city or county taxes wages. The 4.95% state tax is the whole income-tax layer, in Chicago as much as downstate.
Reciprocity with four states. If you live in Iowa, Kentucky, Michigan, or Wisconsin and work in Illinois, your employer should not withhold Illinois tax at all — you pay your home state instead. Illinois residents working in those states get the same treatment in reverse.
Bonuses get no special rate. Illinois withholds bonuses and commissions at the same flat 4.95% — a $5,000 bonus has $247.50 of Illinois tax withheld. The federal side does have flat supplemental rates — see the Bonus Tax Calculator.
Sources
Federal withholding follows IRS Publication 15-T (2026). FICA rates are from IRS Topic No. 751, and the 2026 Social Security wage base of $184,500 is from the Social Security Administration. Illinois withholding follows the Illinois Department of Revenue's Booklet IL-700-T, 2026 Illinois Withholding Tax Tables (percentage formula; basic allowance of $2,925 per IDOR Informational Bulletin FY 2026-15); the Department's withholding income tax guidance covers who must withhold and the reciprocal states. Minimum wage, payday, and final-pay rules are from the Illinois Minimum Wage Law (820 ILCS 105) and the Wage Payment and Collection Act (820 ILCS 115). Calculation details are on our methodology page.
Related calculators
Compare Illinois with the other flat-tax states in this batch: the Pennsylvania Paycheck Calculator (3.07%, but 401(k) contributions are taxed and most towns add a local tax) and the North Carolina Paycheck Calculator. Run the same pay in a state with no income tax: the Texas Paycheck Calculator. The Paycheck Calculator hub covers every state we support, and Paycheck Calculators by State lists them all. Also see the Overtime Calculator, the Hourly Paycheck Calculator, and the Bonus Tax Calculator.
Frequently asked questions
Frequently asked questionsHow much is $100,000 a year after taxes in Illinois?
For a single filer paid every two weeks, claiming one basic allowance on Form IL-W-4, with no pre-tax deductions: $2,787.79 take-home per paycheck and $72,482.54 over a full year. Illinois takes $4,805.32 of that in state tax — a flat 4.95% of pay after the allowance exemption.
What is Illinois' income tax rate in 2026?
A flat 4.95% of net income, unchanged since July 2017. Illinois has no brackets and no standard deduction; instead, Form IL-W-4 allowances reduce the pay the tax is figured on. The withholding formula is printed in Booklet IL-700-T: 4.95% of wages minus $2,925 for each basic allowance and $1,000 for each additional allowance, spread across your paychecks.
How do IL-W-4 allowances work?
Line 1 of Form IL-W-4 counts basic allowances — broadly, one for yourself, one for a spouse, and one for each dependent. Each basic allowance shelters $2,925 of pay per year from the 4.95% tax, worth $144.79 of tax a year. Line 2 counts additional allowances for items such as above-the-line deductions; each shelters $1,000, worth $49.50 a year. Line 3 lets you add a flat extra amount of withholding per paycheck. If you never file an IL-W-4, your employer withholds 4.95% of your full pay with no allowance offset.
Does Illinois tax 401(k) contributions?
No. Illinois withholding is figured on the same wages that are subject to federal income tax withholding, so a pre-tax 401(k) contribution lowers your Illinois tax too. In our $120,000 example, contributing $300 a paycheck cut federal withholding by $71.23 and Illinois withholding by $14.85 — exactly 4.95% of the $300 contribution.
What is Illinois' minimum wage in 2026?
$15.00 an hour for workers 18 and over, in effect since January 1, 2025, with no further increase scheduled. Workers under 18 who work fewer than 650 hours in a year can be paid $13.00, and the tipped cash wage is $9.00. Chicago and Cook County set higher local minimum wages.
How often does my employer have to pay me in Illinois?
At least semi-monthly, under the Illinois Wage Payment and Collection Act. Wages earned in a semi-monthly or biweekly pay period must be paid no later than 13 days after the period ends; weekly wages are due within 7 days. Executive, administrative, and professional employees may be paid once a month.
When is my final paycheck due if I leave an Illinois job?
In full at the time of separation if possible, and no later than the next regularly scheduled payday, whether you quit or were fired. Final compensation includes earned but unused vacation pay — Illinois does not allow use-it-or-lose-it forfeiture of vacation you have already earned.
Does Chicago or Cook County have a local income tax?
No. No Illinois city or county levies an income tax on wages. The flat 4.95% state tax is the only income-tax layer on an Illinois paycheck, wherever in the state you work — unlike Pennsylvania or New York, there is no municipal wage tax to add.
Are bonuses taxed differently in Illinois?
No. Illinois has no separate supplemental rate — bonuses and commissions are withheld at the same flat 4.95%. A $5,000 bonus paid on its own check has $247.50 of Illinois tax withheld. The federal side does use a flat supplemental rate — see the Bonus Tax Calculator.
Why is my Illinois paycheck a little different from this estimate?
Employers may use the IL-700-T wage-bracket tables instead of the percentage formula this calculator uses, and the tables round wages into brackets — the booklet's own example differs from the formula by five cents on a $300 paycheck. Your actual IL-W-4 allowances, any extra withholding you requested on Line 3, benefit premiums, or garnishments may also differ from what you entered here.
Estimate for general information only — not tax, legal, or financial advice. Federal method: IRS Publication 15-T (2026). Illinois: Department of Revenue, Booklet IL-700-T (2026) percentage formula — 4.95% after IL-W-4 allowances ($2,925 basic / $1,000 additional). Social Security wage base 2026: $184,500 (SSA). See our methodology & sources.