Illinois Paycheck Calculator 2026 - Calculate Your IL Salary After Taxes

Calculate Your Illinois Salary After Taxes

If you're working in Illinois or considering a job offer in the Prairie State, understanding your Illinois salary after taxes is crucial for financial planning. Illinois uses a flat 4.95% state income tax in 2026, which means every dollar of taxable income is taxed at the same rate. This makes calculating your Illinois paycheck more straightforward than states with progressive tax brackets.

For example, a software engineer earning $95,000 in Chicago will see their Illinois salary after taxes reduced by approximately $4,700 in state taxes (4.95% flat rate), plus federal taxes and FICA. A teacher earning $60,000 in Springfield will pay around $2,970 in Illinois state taxes. The flat tax system means everyone pays the same rate regardless of income level, which simplifies calculations but can be regressive for lower-income earners.

Our Illinois paycheck calculator helps you determine your exact Illinois salary after taxes. Because we maintain federal, FICA, and Illinois withholding tables for every filing status, the calculator instantly shows both per-paycheck and annual net pay. Toggle between salary and hourly pay, include pre-tax deductions such as 401(k), HSA, or health insurance, and watch the tool recompute your Illinois take-home pay immediately.

How to Calculate Your Illinois Salary After Taxes

Using our Illinois paycheck calculator is straightforward. Follow these steps to determine your Illinois salary after taxes:

1. Enter your income: Select salary or hourly pay and enter your gross income. For example, if you earn $85,000 per year or $42.50 per hour in Illinois, enter that amount.
2. Select Illinois: Choose Illinois as your state (using ?state=IL in the URL fills it in automatically). This ensures the 4.95% flat tax rate is applied correctly.
3. Add your details: Pick your pay frequency (weekly, bi-weekly, semi-monthly, or monthly) and filing status (single, married filing jointly, etc.), then add any 401(k), HSA, or health insurance deductions.
4. Get your results: Click "Calculate My Paycheck" and review the detailed breakdown showing your Illinois salary after taxes, including federal income tax, Illinois state tax (4.95% flat), FICA taxes, and your final take-home pay.

The Illinois paycheck calculator is especially useful for comparing job offers, planning your budget in Chicago or other Illinois cities, or understanding how pre-tax deductions affect your Illinois salary after taxes. Illinois's flat tax means state tax calculations are consistent regardless of income level.

Illinois Local Taxes and Your Salary After Taxes

When calculating your Illinois salary after taxes, it's important to note that Illinois does not allow local income taxes at the city or county level. Unlike states like Pennsylvania or Ohio, Illinois only collects the 4.95% flat state tax and federal taxes, which simplifies your Illinois paycheck calculation.

However, Illinois does have relatively high property taxes and sales taxes compared to some states. While these don't directly affect your paycheck, they're important to consider when evaluating the total cost of living in Illinois. Your Illinois paycheck calculator results will show your take-home pay after federal income tax, Illinois's 4.95% flat tax, and FICA taxes only.

This makes Illinois an attractive state for workers who want straightforward tax calculations, as the flat 4.95% rate means you can easily estimate your state tax burden regardless of income level.

Example: Illinois Salary After Taxes Calculation

Let's calculate the Illinois salary after taxes for someone earning $90,000 per year in Illinois, filing as married filing jointly, with a 6% 401(k) contribution:

• Gross annual salary: $90,000
• 401(k) contribution (6%): $5,400 (pre-tax)
• Federal taxable income: ~$75,600 (after standard deduction)
• Federal income tax: ~$7,800
• FICA taxes (Social Security + Medicare): $6,885
• Illinois state tax (4.95% flat): $4,455
• Illinois salary after taxes (annual): $62,460
• Bi-weekly Illinois paycheck: ~$2,402

This example demonstrates how the Illinois paycheck calculator works. The 4.95% flat tax means state tax is easy to calculate, but federal taxes vary based on filing status and income level.

2026 Planning Tips for Illinois Employees

• Update your W-4: If you want to adjust your Illinois salary after taxes, update your W-4 if you picked up a second job, got married, or expect significant itemized deductions in 2026.
• Maximize pre-tax benefits: Leverage pre-tax benefits—every dollar you contribute to a 401(k) or HSA reduces both federal and Illinois taxable income, increasing your take-home pay.
• Track Social Security wage base: Track your year-to-date taxable wages. Once you hit the Social Security wage base ($168,600 in 2025), your Illinois salary after taxes will increase because OASDI withholding stops for the rest of the year.
• Consider cost of living: Remember that Illinois's flat tax is moderate, but property taxes and cost of living (especially in Chicago) can significantly impact your actual purchasing power even with a higher Illinois salary after taxes.

Frequently Asked Questions About Illinois Salary After Taxes