Illinois·Updated for 2026·Figures in USD · Illinois 4.95% income tax included
Illinois Paycheck Calculator (2026)
Illinois takes a flat 4.95% state income tax out of every paycheck, after any allowances on your Form IL-W-4, on top of federal income tax, Social Security and Medicare. Enter your salary or hourly wage to see your take-home pay, worked out with the IRS's and Illinois's own 2026 methods.
Your pay
$
Before taxes
Illinois withholding (IL-W-4)
Yourself, your spouse and dependents. Blank uses 0
W-4 details (optional)
$2,200 each
$500 each
$
$
Including the overtime or tips deduction you expect
$
Pre-tax deductions (optional)
Traditional, not Roth
%
$
Pre-tax premiums through your employer
Enter your salary. Your take-home pay appears here as you type — there is no button to press.
Calculating
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Federal income tax follows IRS Publication 15-T (2026), Worksheet 1A, for a W-4 from 2020 or later. Your employer may round to whole dollars.
Figures last verified October 30, 2026. Withholding follows IRS Publication 15-T for 2026; Social Security and Medicare follow Publication 15 for 2026; Illinois tax follows the Department of Revenue's Booklet IL-700-T, effective January 1, 2026.
Illinois take-home pay by salary
Single, paid every two weeks, with a standard W-4, no IL-W-4 allowances and no pre-tax deductions:
Salary
Gross per paycheck
Federal income tax
Social Security + Medicare
Illinois tax
Take-home per paycheck
Take-home per year
$40,000
$1,538.46
$100.77
$117.69
$76.15
$1,243.85
$32,340.04
$50,000
$1,923.08
$146.92
$147.11
$95.19
$1,533.86
$39,880.22
$60,000
$2,307.69
$193.08
$176.54
$114.23
$1,823.84
$47,419.88
$75,000
$2,884.62
$295.00
$220.68
$142.79
$2,226.15
$57,880.07
$100,000
$3,846.15
$506.54
$294.23
$190.38
$2,855.00
$74,229.99
Hourly pay in Illinois
40 hours a week, paid weekly, single:
Hourly wage
Gross per week
Taxes per week
Take-home per week
Take-home per year
$15.00
$600.00
$105.68
$494.32
$25,704.64
$20.00
$800.00
$154.88
$645.12
$33,546.24
$25.00
$1,000.00
$204.08
$795.92
$41,387.84
Minimum wage in Illinois
Illinois's minimum wage is $15.00 an hour for employers with four or more employees, not counting family members. Working 40 hours a week at $15.00, single and paid weekly, you earn $600.00 a week and take home $494.32 after taxes, or $25,704.64 a year.
Minimum wage
Hourly
Gross per week
Taxes per week
Take-home per week
Take-home per year
Illinois
$15.00
$600.00
$105.68
$494.32
$25,704.64
Minimum wage as last verified on October 30, 2026. Taxes per week include everything this calculator withholds in Illinois.
A worked example
$60,000 a year, single, paid every two weeks. Each paycheck is $2,307.69. For federal income tax, the employer multiplies it by 26 ($59,999.94), subtracts the $8,600 standard adjustment ($51,399.94), and applies the IRS table: $1,240.00 plus 12% of the amount over $19,900, or $5,019.99 a year. Divided by 26, that is $193.08. Social Security is $143.08 and Medicare $33.46. With no IL-W-4 allowances, Illinois takes 4.95% of the whole paycheck: $114.23. That leaves $1,823.84.
Married filing jointly on $100,000 with two children under 17, paid every two weeks, takes home $3,236.93 a paycheck, with $124.61 of federal income tax.
What Illinois takes from a paycheck
Illinois's tax is flat: every dollar above your allowances is taxed at the same 4.95%, whatever you earn. On $60,000 paid every two weeks with no allowances, that is $114.23 a paycheck. Each basic allowance on line 1 of Form IL-W-4 takes $2,925 off your taxable pay for the year, about $144.79 less tax a year, and each additional allowance on line 2 takes off $1,000, about $49.50 a year.
Federal income tax, Social Security (6.2%), Medicare (1.45%) and Illinois income tax at a flat 4.95%. On a $60,000 salary paid every two weeks, single with no IL-W-4 allowances, Illinois takes $114.23 and you keep $1,823.84 a paycheck.
How is Illinois income tax withholding worked out?
Your employer adds $2,925 for each basic allowance on line 1 of your Form IL-W-4 and $1,000 for each additional allowance on line 2, divides the total by the number of paychecks in the year, subtracts that from your pay, and withholds 4.95% of the rest.
What is Illinois's income tax rate in 2026?
A flat 4.95% of taxable income, the rate in the Department of Revenue's 2026 withholding booklet (Booklet IL-700-T, effective January 1, 2026).
What are basic and additional allowances?
Basic allowances (line 1) are for you, your spouse and your dependents, worth $2,925 each for the year. Additional allowances (line 2) are for you or your spouse being 65 or older or legally blind, worth $1,000 each.
What if I never filled out Form IL-W-4?
Form IL-W-4 says your employer must then withhold Illinois income tax on the entire amount of your pay, with no allowances. That is what this calculator uses unless you enter your own.
My spouse also works. What should I claim?
Form IL-W-4 says withholding is usually more accurate if you claim all of your allowances on the form for the highest-paying job and zero on the others.
How is federal income tax withholding worked out?
Your employer annualizes each paycheck, subtracts a standard adjustment ($8,600, or $12,900 if married filing jointly, unless you checked the Step 2 box), applies the IRS withholding table, then divides by your number of paychecks and subtracts any dependent credits. This calculator follows the same IRS worksheet.
When does Social Security stop being taken out?
Once your pay for the year reaches $184,500, the 2026 wage base. Medicare has no cap, and an extra 0.9% applies to pay over $200,000.
Do 401(k) contributions lower my taxes?
A traditional 401(k) contribution lowers your federal income tax withholding, but Social Security and Medicare are still taken from it. Pre-tax health premiums through a cafeteria plan lower all three.
What about no tax on overtime or tips?
The overtime and tips deductions are claimed on your tax return, but you can ask your employer to withhold less now by adding the deduction you expect to Step 4(b) of a new W-4. Enter it under W-4 details to see the effect.
