Take-Home Pay Calculator › Illinois
Take-Home Pay in Illinois (2026)
What does a salary actually become in Illinois? This calculator uses the real 2026 federal brackets, FICA, and Illinois’s own 2026 state brackets — not an estimate.
Your inputs
Where your salary goes
Take-home vs gross, across salaries
Illinois income tax at a glance (2026)
- Tax type: Flat tax
- Top marginal rate: 4.95%%
- Standard deduction (2026): None
- State tax on $100,000 (single): $4,805
Illinois's flat 4.95% is locked in by the state constitution - voters rejected a graduated tax in 2020. There is no standard deduction, only a $2,925-per-person exemption that disappears above $250,000 of AGI ($500,000 joint), and retirement income is fully exempt.
The 2026 Illinois brackets
2026 Illinois brackets — Single filer
| Taxable income over | Up to | Rate |
|---|---|---|
| $0 | — | 4.95%% |
2026 Illinois brackets — Married filing jointly
| Taxable income over | Up to | Rate |
|---|---|---|
| $0 | — | 4.95%% |
Worked example: $100,000 in Illinois
$100,000 salary, single filer, living in Illinois. Federal tax is $13,170 and FICA is $7,650. State income tax comes to $4,805, leaving take-home pay of $74,375 ($6,198/month) — a total effective rate of 25.6%%.
At $60,000, take-home in Illinois is about $47,565; at $150,000 it is about $106,511 (single filer, before any pre-tax deductions).
How this calculator works
Federal tax uses the 2026 IRS brackets and standard deduction ($16,100 single / $32,200 joint / $24,150 head of household). FICA is 6.2% for Social Security up to the $184,500 wage base plus 1.45% Medicare (with the 0.9% additional Medicare tax at higher incomes). Illinois tax is computed slice-by-slice through the state’s actual 2026 brackets after the state standard deduction and personal exemption, so your state effective rate is always lower than your top bracket.
State rates, brackets and deductions: Tax Foundation, “2026 State Income Tax Rates and Brackets,” cross-checked against state sources. Federal: IRS Rev. Proc. 2025-32; FICA wage base: Social Security Administration.
Illinois take-home pay — questions
What is the Illinois state income tax rate in 2026?
Illinois uses a flat tax of 4.95%% on taxable income — the top marginal rate is 4.95%%. Rates apply only to the slice of income inside each bracket, never to your whole salary.
What is the Illinois standard deduction in 2026?
Illinois has no standard deduction in 2026, but it does offer a personal exemption of $2,925 (single) / $5,850 (joint). The calculator subtracts it before applying the brackets, the same way your state return does.
Does this calculator include Illinois city or county taxes?
No — this page covers federal tax, FICA, state income tax. A few cities and counties levy their own income tax on top; those are not included, so your real take-home could be slightly lower if one applies to you.
Why is my actual paycheck different?
Your paycheck also subtracts pre-tax items this calculator doesn't model — 401(k) contributions, health insurance premiums, and HSA contributions. Treat this as an accurate baseline for comparing salaries and states.