Illinois Paycheck Calculator (2026)

Quick Answer: A typical Illinois paycheck has federal income tax (10%–37%), Illinois state tax (4.95% flat), Social Security (6.2%), and Medicare (1.45%) deducted. On a $75,000 salary, total deductions are roughly $18,780/year — an effective rate of about 25%. There is no Chicago or local income tax anywhere in Illinois.

Yes. Illinois uses a flat income tax rate — not progressive brackets. For 2026, the rate is 4.95% on all taxable income, regardless of how much you earn. This has been Illinois' rate since 2017. The only factor that reduces your taxable income is your personal exemption of $2,925 per IL-W-4 allowance claimed.

Illinois state income tax is 4.95% in 2026 — unchanged from prior years. It applies to all taxable income after subtracting the personal exemption ($2,925 per IL-W-4 allowance). On a $65,000 salary with 1 allowance: ($65,000 − $2,925) × 4.95% = $3,073 in Illinois state tax per year, or about $118 biweekly. Source: Illinois Department of Revenue, IL-700-T Booklet R-12/25.

No. Chicago has no city income tax on employee wages. Illinois state law does not allow municipalities to impose local income taxes. Whether you work in Chicago, Springfield, Rockford, Naperville, or anywhere else in Illinois, your state income tax is only the flat 4.95% — no additional local tax applies.

Formula: Net Pay = Gross Pay − Federal Income Tax − Illinois State Tax (4.95%) − Social Security (6.2%) − Medicare (1.45%) − pre-tax deductions. For example, on $80,000: Federal tax ≈ $8,349, IL tax ≈ $3,814, SS ≈ $4,960, Medicare ≈ $1,160. Total deductions ≈ $18,283. Net annual ≈ $61,717. Use our Illinois Paycheck Calculator above for instant, accurate results.

For an Illinois hourly worker earning $20/hour for 40 hours/week ($41,600/year), estimated deductions are: federal tax ≈ $2,349, Illinois tax ≈ $1,911, Social Security ≈ $2,579, Medicare ≈ $603 — totaling about $7,442/year. Net take-home: approximately $34,158/year or $659/week. Use hourly mode in our Illinois hourly paycheck calculator above for your exact figures.

Bonuses in Illinois are taxed at the federal supplemental withholding rate of 22% (for bonuses under $1 million) plus Illinois flat 4.95% plus Social Security (6.2%, if you haven't hit the $184,500 cap) and Medicare (1.45%). On a $5,000 bonus: federal withholding ≈ $1,100, IL ≈ $248, SS ≈ $310, Medicare ≈ $73. Your $5,000 bonus nets approximately $3,269 after taxes.

Overtime pay in Illinois is not taxed at a different rate — it's just regular income added on top. Illinois follows federal FLSA rules: non-exempt employees must be paid 1.5× their regular rate for hours over 40/week. That extra income is subject to your normal federal bracket rate, Illinois flat 4.95%, and FICA. Because overtime pushes your annual income higher, it may move you into a higher federal bracket — but only on the portion above each bracket threshold, not your entire income.

The Illinois IL-W-4 form determines your Illinois state income tax withholding. Each allowance you claim reduces your Illinois taxable income by $2,925 per year. Claiming 1 allowance (standard for one job) on a $70,000 salary reduces your IL taxable income to $67,075, saving you $145/year in state tax vs. claiming 0. Most employees claim 1 allowance for themselves; dependents may qualify you for additional allowances.

Illinois employers pay: employer Social Security (6.2% on wages up to $184,500), employer Medicare (1.45% on all wages), Illinois State Unemployment Insurance (SUI) at rates from 0.85%–8.65% on the first $13,590 of each employee's wages, and Federal Unemployment (FUTA) at a net 0.6% on the first $7,000. None of these employer taxes are deducted from employee paychecks.

Illinois law (820 ILCS 115) requires most employees to be paid at least semi-monthly. In practice, the most common pay frequencies in Illinois are biweekly (every two weeks, 26 paychecks/year) and semi-monthly (twice per month, 24 paychecks/year). Hourly workers more commonly receive weekly pay. Our Illinois paycheck calculator supports all four frequencies.

Very accurate for most employees. The calculator uses the official 2026 IRS Publication 15-T annualized withholding method for federal tax, and the official IL-700-T Booklet R-12/25 for Illinois withholding (4.95% rate, $2,925 personal exemption per allowance). Small differences from your actual paycheck may occur due to employer-specific pre-tax benefits, rounding, or mid-year W-4 updates. Always confirm with your payroll department for paycheck-exact accuracy.

Illinois' statewide minimum wage is $14.00 per hour as of January 1, 2026 — part of Illinois' scheduled annual $1.00 increases toward $15.00 by 2025 (some localities may already be at $15+). Chicago has a higher minimum wage ordinance. At $14.00/hour for 40 hours/week, annual gross pay is $29,120. Use hourly mode in the calculator above to see your exact take-home at any Illinois wage.

Yes. Our free Illinois paycheck calculator is built on the same official IRS and IL-700-T source data as other leading tools. It includes salary and hourly modes, overtime, bonus, 401(k) pre-tax deductions, HSA contributions, IL-W-4 allowances, and all pay frequencies — all updated for 2026 official rates. No account required and no cost.

Yes — 100% free with no signup, no email, no usage limits, and no premium tier. USA Pay Calculator offers free paycheck calculators for all 50 states at no cost. All calculations run in your browser; no salary data is ever stored or shared.