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Illinois Paycheck Calculator 2026

Free Illinois paycheck calculator for 2026. Estimate federal tax, Illinois state tax, FICA, and your per-paycheck take-home pay.

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Written by PennyCompass Team

Estimate your take-home pay in Illinois for tax year 2026. Illinois has a flat state income tax rate of 4.95%.

Before any deductions, taxes, or 401(k).

Traditional 401(k) only. Roth 401(k) is post-tax.

Leave at 0 to use the standard deduction.

Take-home (annual),

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Annual gross

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Federal income tax

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FICA (SS + Medicare)

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State income tax

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SDI

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Total deductions (% of gross)

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Pre-tax 401(k)

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Pre-tax HSA

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How Illinois payroll taxes work in 2026

Every paycheck in Illinois has three tax layers: federal income tax, FICA (Social Security and Medicare), and any state-level withholding. Illinois has a flat state income tax rate of 4.95%.

A flat-rate state means every dollar of taxable income is taxed at the same 4.95% rate.

Estimate notice

This Illinois calculator gives a planning estimate built from published Illinois rates. Treat the result as an estimate, not authoritative withholding, and verify against the state’s official withholding tables and the IRS before relying on it.

Visit Illinois’s Department of Revenue ↗ for the official withholding schedule and forms.

Frequently asked questions

What is the state income tax rate in Illinois?
Illinois has a flat state income tax rate of 4.95%.
What is the average sales tax in Illinois?
The average combined state and local sales tax in Illinois is approximately 8.88%. Sales tax does not affect this paycheck calculation.
What is the average property tax in Illinois?
The effective property tax rate in Illinois is approximately 2.08% of home value. Property tax does not affect this paycheck calculation but matters for total cost of living.

Related calculators

Illinois sales tax calculator

Compute sales tax for a Illinois purchase.

Federal income tax (national)

Federal-only breakdown with bracket details.

401(k) calculator

Project retirement balance.

Paycheck hub (all states)

Switch to a different state.

Sources

  1. IRS Publication 15-T (2026) — Federal Income Tax Withholding Methods, Internal Revenue Service
  2. Social Security Administration — Contribution and Benefit Base 2026, Social Security Administration
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