Illinois Paycheck Calculator 2026
Enter your pay and your IL-W-4 allowances to see what lands in your bank account. Illinois takes a flat 4.95% after allowances - we show the working line by line.
How much does Illinois take out for taxes? On a $60,000 salary paid every two weeks (single, standard W-4), Illinois takes $108.66 of each $2,307.69 paycheck - 4.7% of pay. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $478.28 comes out in all - 20.7% - and you keep $1,829.41.
= $914.71 a week · $3,963.74 a month · $47,564.84 a year
Gross pay$2,307.69$60,000.00
Your pay before anything is taken out: yearly pay divided by the 26 paychecks in a year (hourly pay is a week's pay × 52, spread the same way).
Federal income tax · withheld−$193.08−$5,020.00
Worked out from your pay and your Form W-4 with the IRS percentage method (Worksheet 1A): yearly pay, minus the allowance for your filing status, into the 2026 annual table, minus W-4 credits, divided by paychecks. Each line, for this paycheck:
| Pay subject to income tax, for the year · $2,307.69 × 26 paychecks | $60,000.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $51,400.00 |
| Tax from the IRS yearly table · standard table | $5,020.00 |
| Federal income tax per paycheck · divided by 26 | $193.08 |
IRS Publication 15-T (2026), Worksheet 1A - the percentage method payroll software uses for a Form W-4 from 2020 or later. Your employer's figure can differ by a few cents because of rounding.
Adjusted yearly wage: $51,400.00, so this row applies:
| Over | Not over | Base tax | + rate |
|---|---|---|---|
| $0 | $7,500 | $0.00 | 0% |
| $7,500 | $19,900 | $0.00 | 10% |
| $19,900 | $57,900 | $1,240.00 | 12% Your row |
| $57,900 | $113,200 | $5,800.00 | 22% |
| $113,200 | $209,275 | $17,966.00 | 24% |
| $209,275 | $263,725 | $41,024.00 | 32% |
| $263,725 | $648,100 | $58,448.00 | 35% |
| $648,100 | - | $192,979.25 | 37% |
$1,240.00 + 12% × ($51,400.00 − $19,900.00) = $5,020.00
Source: IRS Publication 15-T (2026) · checked Sep 21, 2026
Social Security (6.2%)−$143.08−$3,720.00
6.2% of your pay (after pre-tax benefits, not after 401(k)) up to $184,500 of pay in 2026. Once your pay for the year passes that, it stops until January. Stubs often call it OASDI or FICA.
Source: Social Security Administration - 2026 wage base · checked Sep 21, 2026
Medicare (1.45%)−$33.46−$870.00
1.45% of all your pay, with no yearly limit, plus 0.9% Additional Medicare on pay above $200,000 in the year.
Source: IRS Publication 15 (2026) · checked Sep 21, 2026
Illinois income tax · withheld−$108.66−$2,825.16
4.95%. Worked out with Illinois's official 2026 withholding method, step by step:
| Pay subject to Illinois tax this paycheck · same as federal: after pre-tax 401(k) and benefits | $2,307.69 |
| Minus IL-W-4 allowances for one paycheck · (1 × $2,925 + 0 × $1,000) ÷ 26 | −$112.50 |
| Illinois taxable pay | $2,195.19 |
| Illinois income tax this paycheck · × 4.95% (IL-700-T) | $108.66 |
Source: Illinois Department of Revenue - Form IL-W-4, Employee's and other payee's Illinois withholding allowance certificate (R-07/23) · checked Oct 16, 2026
Built by Ashish Hirpara · figures from IRS and state publications · sources · corrections
What comes out of an Illinois paycheck
- Federal income tax withholding - worked out from your pay and your Form W-4, using the IRS tables for 2026.
- Social Security - 6.2% of your pay, up to $184,500 of pay in 2026. Above that, it stops for the rest of the year.
- Medicare - 1.45% of all your pay, plus 0.9% on pay above $200,000 in the year.
Illinois has a flat 4.95% income tax. Your employer works out Illinois withholding from the pay that is subject to federal income tax - so a traditional 401(k) and pre-tax health insurance lower it too - minus your IL-W-4 allowances:
- Basic allowances (IL-W-4 Line 1) are worth $2,925 a year each in 2026 - usually one for you and one for your spouse.
- Additional allowances (Line 2) are worth $1,000 a year each.
The yearly allowance total is divided by your number of paychecks, subtracted from each paycheck, and the rest is taxed at 4.95%. If you never gave your employer an IL-W-4, it must withhold with no allowances, so more comes out. Open the "Illinois income tax" line in the result to see every step.
Unemployment insurance is financed by employer payroll taxes - not by deductions from your wages.
What's different about Illinois
The same rate at every income
Because the rate is flat, a raise or overtime is taxed by Illinois at the same 4.95% as the rest of your pay; only the allowances change how much of your pay is taxed. Federal withholding still rises in brackets.
Working in Illinois but living next door
Illinois has agreements with Iowa, Kentucky, Michigan and Wisconsin: employers don't have to withhold Illinois tax from residents of those states. If that's you, your home state's rules apply instead, and this calculator's Illinois line won't match your stub.
Paydays and your last paycheck
Illinois employers must pay at least twice a month, no later than 13 days after the pay period ends. Executive, administrative and professional employees can be paid once a month. When you leave a job, all final pay is due on your next regularly scheduled payday.
Paid leave
Under the Paid Leave for All Workers Act, most Illinois workers earn at least 1 hour of paid leave for every 40 hours worked, up to 40 hours a year. Chicago and Cook County have their own paid leave rules.
Moving to Illinois
If you move from a state with no income tax, expect about 4.95% of your pay above your allowances to go to Illinois - the "Illinois income tax" line above shows exactly how much.
Illinois salary after tax
Each answer is worked out by the same calculator as above, for a single filer paid every two weeks with a standard W-4 and no 401(k) or benefits. Jump to: $35,000 · $45,000 · $55,000 · $60,000 · $65,000 · $75,000 · $80,000 · $90,000 · $100,000 · $120,000 · $150,000
How much is $35,000 a year after tax in Illinois?
About $28,715 a year - $1,104.41 every two weeks, or about $2,393 a month. That's after $2,020 of federal income tax, $2,678 of Social Security and Medicare and $1,588 in Illinois taxes; you keep 82%. Try $35,000 with your own W-4 and deductions.
How much is $45,000 a year after tax in Illinois?
About $36,255 a year - $1,394.41 every two weeks, or about $3,021 a month. That's after $3,220 of federal income tax, $3,443 of Social Security and Medicare and $2,083 in Illinois taxes; you keep 81%. Try $45,000 with your own W-4 and deductions.
How much is $55,000 a year after tax in Illinois?
About $43,795 a year - $1,684.42 every two weeks, or about $3,650 a month. That's after $4,420 of federal income tax, $4,208 of Social Security and Medicare and $2,578 in Illinois taxes; you keep 80%. Try $55,000 with your own W-4 and deductions.
How much is $60,000 a year after tax in Illinois?
About $47,565 a year - $1,829.41 every two weeks, or about $3,964 a month. That's after $5,020 of federal income tax, $4,590 of Social Security and Medicare and $2,825 in Illinois taxes; you keep 79%. Try $60,000 with your own W-4 and deductions.
How much is $65,000 a year after tax in Illinois?
About $51,335 a year - $1,974.42 every two weeks, or about $4,278 a month. That's after $5,620 of federal income tax, $4,973 of Social Security and Medicare and $3,073 in Illinois taxes; you keep 79%. Try $65,000 with your own W-4 and deductions.
How much is $75,000 a year after tax in Illinois?
About $58,025 a year - $2,231.72 every two weeks, or about $4,835 a month. That's after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $3,568 in Illinois taxes; you keep 77%. Try $75,000 with your own W-4 and deductions.
How much is $80,000 a year after tax in Illinois?
About $61,295 a year - $2,357.48 every two weeks, or about $5,108 a month. That's after $8,770 of federal income tax, $6,120 of Social Security and Medicare and $3,815 in Illinois taxes; you keep 77%. Try $80,000 with your own W-4 and deductions.
How much is $90,000 a year after tax in Illinois?
About $67,835 a year - $2,609.03 every two weeks, or about $5,653 a month. That's after $10,970 of federal income tax, $6,885 of Social Security and Medicare and $4,310 in Illinois taxes; you keep 75%. Try $90,000 with your own W-4 and deductions.
How much is $100,000 a year after tax in Illinois?
About $74,375 a year - $2,860.56 every two weeks, or about $6,198 a month. That's after $13,170 of federal income tax, $7,650 of Social Security and Medicare and $4,805 in Illinois taxes; you keep 74%. Try $100,000 with your own W-4 and deductions.
How much is $120,000 a year after tax in Illinois?
About $87,455 a year - $3,363.65 every two weeks, or about $7,288 a month. That's after $17,570 of federal income tax, $9,180 of Social Security and Medicare and $5,795 in Illinois taxes; you keep 73%. Try $120,000 with your own W-4 and deductions.
How much is $150,000 a year after tax in Illinois?
About $106,511 a year - $4,096.57 every two weeks, or about $8,876 a month. That's after $24,734 of federal income tax, $11,475 of Social Security and Medicare and $7,280 in Illinois taxes; you keep 71%. Try $150,000 with your own W-4 and deductions.
Illinois vs neighboring states
Take-home pay on a $60,000 salary, single filer paid every two weeks with a standard W-4. "State taxes" counts state and local income tax withheld (with each calculator's default choices) plus any employee-paid state payroll premium; federal tax, Social Security and Medicare are the same everywhere.
| State | State taxes | Take-home | vs here |
|---|---|---|---|
| Indiana | $1,740 | $48,650 | +$1,085 |
| Iowa | $1,746 | $48,644 | +$1,079 |
| Missouri | $1,872 | $48,518 | +$953 |
| Kentucky | $1,983 | $48,408 | +$843 |
| Wisconsin | $2,765 | $47,625 | +$61 |
| Illinois | $2,825 | $47,565 | - |
Local income taxes (city, county or school district) aren't included for Missouri, Kentucky and Indiana - enter your rate on the state's calculator.
Where you live and where you work can both matter when the two states differ - check each state's page.
Moving? Illinois vs Texas taxes · Illinois vs Indiana taxes · Illinois vs Wisconsin taxes · Florida vs Illinois taxes · California vs Illinois taxes · Salary needed to move
What changed for 2026
Illinois' rate is still 4.95% in 2026. The one state change that reaches your paycheck is a bigger allowance.
- New federal withholding tables. The IRS updated Publication 15-T for 2026, including changes from the 2025 tax law. The standard deduction is $16,100 single, $32,200 married filing jointly, and $24,150 head of household.
- Social Security wage base: $184,500 (up from $176,100). If you earn more, Social Security stops later in the year.
- Tips and overtime deductions for 2025–2028 - see below.
- Illinois basic allowance: $2,925 for 2026 (up from $2,850 in 2025), so slightly less Illinois tax is withheld for the same pay.
- Illinois minimum wage: still $15.00, in effect since January 1, 2025.
Why your paycheck might differ from this
- Your W-4. Credits for children (Step 3), a checked Step 2 box, or extra withholding (Step 4c) change the federal amount a lot. Open "Tips, 401(k), health insurance and W-4 details" above to enter them.
- Benefits taken before tax. Health insurance through work usually lowers income tax and Social Security and Medicare. A traditional 401(k) lowers income tax only.
- Rounding. Payroll software may round each step, so a few cents of difference is normal.
Tips and overtime in 2026
New federal deductions apply for 2025 through 2028: up to $25,000 for qualified tips, and up to $12,500 ($25,000 for joint filers) for the extra "half" of time-and-a-half overtime. Both phase out above $150,000 of income ($300,000 joint).
These are deductions on your tax return. Your employer still takes Social Security and Medicare out of tips and overtime, and still withholds income tax unless you tell it otherwise. If you expect to claim them, you can put the expected amount in Step 4(b) of your W-4 (and in the Step 4(b) box above) so less income tax is withheld during the year.
More for Illinois
Paycheck calculator · Hourly · Salary · Bonus tax · Rent you can afford · Employer payroll taxes · IL-W-4 allowances guide
Other tools: What changed for 2026 · Hourly to salary · Salary to hourly · Overtime · Raise · Net to gross · Compare two states · All state tax rates · How Illinois ranks on $75,000 · Pay stub checker · W-4 guide
Other states: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods - Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide - Social Security and Medicare rates
- Social Security Administration - 2026 wage base of $184,500
- IRS - tips and overtime deductions
- Illinois Department of Revenue - Form IL-W-4, Employee's and other payee's Illinois withholding allowance certificate (R-07/23) - Step 1: yourself if no one else can claim you, your spouse, plus dependents → Line 1; Step 2: 65+ and blind boxes plus deductions ÷ 1,000 rounded → Line 2; claim all allowances at the highest-paying job and zero at the others (checked Sep 27, 2026)
- Illinois Department of Revenue - Booklet IL-700-T, Illinois Withholding Tax Tables (2026) - 4.95%; $2,925 per Line 1 allowance, $1,000 per Line 2 allowance; worked example
- Ill. Admin. Code tit. 86, § 100.7050 - Computation of amount withheld (amended 41 Ill. Reg. 14217, eff. 11/7/2017) - supplemental wages: withhold by the same methods as federal law, or the employer may use the tax rate in effect when paid (4.95%)
- Illinois Department of Revenue - Bulletin FY 2026-15 - exemption $2,850 for 2025, $2,925 for 2026
- Illinois Department of Revenue - Withholding Illinois income tax for my employees - no IL-W-4 means no allowances; reciprocity with Iowa, Kentucky, Michigan and Wisconsin
- 86 Ill. Adm. Code 100.7000 - withholding follows federal income tax withholding
- Illinois Department of Employment Security - What every worker should know - financed by employer payroll taxes, not deductions from wages
- Illinois Department of Labor - Minimum Wage Law - $15.00; $9.00 tipped; overtime after 40 hours
- Illinois Department of Labor - Wage payment FAQ - at least semi-monthly; final pay on the next regular payday
- Illinois Department of Labor - Paid Leave for All Workers Act FAQ
Questions
How much does Illinois take out for taxes?
On a $60,000 salary paid every two weeks (single, standard W-4), Illinois takes $108.66 of each $2,307.69 paycheck - 4.7% of pay. With federal income tax ($193.08) and Social Security and Medicare ($176.54), $478.28 comes out in all - 20.7% - and you keep $1,829.41.
How much Illinois tax comes out of my paycheck?
4.95% of your pay after pre-tax deductions and your IL-W-4 allowances ($2,925 a year for each basic allowance in 2026, $1,000 for each additional one), divided across your paychecks.
How much is taken out of a $1,000 paycheck in Illinois?
For a single filer paid every two weeks with nothing else on the W-4, a $1,000 paycheck has about $38.08 of federal income tax, $62.00 of Social Security and $14.50 of Medicare taken out, $43.93 of Illinois income tax, leaving $841.49. Enter your own details in the calculator for your exact figure.
How many allowances should I claim on my IL-W-4?
The IL-W-4 worksheet explains it: generally one basic allowance for yourself and one for your spouse, plus additional allowances for dependents and some deductions. We can't advise on your situation, but you can try different numbers in the calculator to see the effect.
What happens if I didn't fill out an IL-W-4?
Your employer must withhold Illinois tax with no allowances, which takes more from each paycheck. Enter 0 in the basic allowances box to see that amount.
What is the minimum wage in Illinois?
$15.00 an hour for adults; $9.00 cash wage for tipped workers as long as tips make up the rest.