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2026 take-home pay

Calculate your real take-home pay in Illinois

Estimate your take-home pay in Illinois for 2026.

Quick answer: Illinois has a state income tax (flat 4.95%). On a $75,000 salary, a single filer takes home roughly $57,880 per year in 2026 after federal income tax, Illinois state tax, and FICA (Social Security + Medicare).

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$

Your take-home pay

$74,230.00

per year

$74,230 per year · 25.8% effective tax rate
Gross pay
$100,000.00
Federal income tax
− $13,170.00
Social Security
− $6,200.00
Medicare
− $1,450.00
State income tax
− $4,950.00
Net pay
$74,230.00

Estimates only — not professional tax advice. 2026 tax year.

Illinois is one of the clearest flat-tax states: by constitutional mandate everyone pays 4.95% on taxable income, so a teacher and a CEO face the same state rate even though their dollar amounts differ. A 2020 ballot measure to switch to graduated brackets was rejected, which is why the flat rate persists in 2026. The calculator below applies the 4.95% flat rate so you can estimate your Illinois take-home after federal tax and payroll deductions.

How take-home pay works in Illinois

Your paycheck starts with your gross pay. From there, the federal government takes income tax based on 2026 marginal brackets and your filing status, plus FICA — Social Security (6.2% up to the $184,500 wage base) and Medicare (1.45%, with an extra 0.9% on high earners).

Illinois levies a flat income tax of 4.95% on taxable wages — the state constitution requires a single non-graduated rate, so every worker pays the same percentage regardless of salary. There is no statewide local wage tax, though Illinois does not tax most retirement income. The 4.95% flat rate is withheld on top of federal income tax and FICA.

Estimates only — not professional tax advice.

Major cities in Illinois

These estimates apply to workers across Illinois, including:

Frequently asked questions

What is the Illinois income tax rate in 2026?
Illinois charges a flat 4.95% on taxable income. The state constitution prohibits graduated brackets, so this single rate applies to all wage earners regardless of income level.
Does Chicago have a separate city income tax?
No. Chicago does not impose a municipal income tax on wages, so Chicago workers pay only the statewide 4.95% flat rate. Other Chicago-specific taxes are sales and property based, not payroll.
Is retirement income taxed in Illinois?
Generally no. Illinois does not tax most qualified retirement income such as Social Security, pensions, and 401(k)/IRA distributions, but ordinary wages remain subject to the 4.95% flat tax.
Does Illinois have a state income tax?
Yes. Illinois taxes wage income (Flat 4.95%). The calculator above includes it in your estimate.
How is my take-home pay calculated?
We start from your gross pay, then subtract federal income tax (2026 marginal brackets), Social Security (6.2% up to the $184,500 wage base), Medicare (1.45%, plus 0.9% over $200k), and your state income tax. Any 401(k) and pre-tax deductions are removed before income tax is figured.
Which states have no income tax?
Nine states have no state income tax on wages: Texas, Florida, Alaska, Nevada, South Dakota, Washington, Wyoming, Tennessee, and New Hampshire. Living there usually means a bigger paycheck.
Is this exact?
It is a solid estimate using 2026 federal and state rates and standard deductions. It does not capture local/city taxes, credits, or unusual situations. Treat it as a ballpark — not professional tax advice.
What is FICA?
FICA is the combination of Social Security and Medicare payroll taxes. Together they total 7.65% of most wages (6.2% Social Security up to the wage base, plus 1.45% Medicare on all wages).

Paycheck calculators for all 50 states

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