Illinois Paycheck Calculator 2026
Illinois withholds a flat 4.95% after subtracting $2,925 per allowance on Form IL-W-4. Residents of Iowa, Kentucky, Michigan and Wisconsin who work in Illinois can file Form IL-W-5-NR to stop Illinois withholding.
Last updated: October 2026
Pay and filing
Annual gross: $65,000
Used to stop Social Security at the $184,500 wage base and to start the extra 0.9% Medicare above $200,000 on this paycheck.
Form W-4
Step 3: $2,200 per child and $500 per other dependent, a year.
For example education or child care credits you expect to claim.
Interest, dividends or other income with no withholding.
Deductions beyond the standard deduction, including deductible IRA contributions.
Retirement and benefits
$3,900 a year, capped at the $24,500 employee limit for 2026.
Traditional contributions lower federal and most state income tax now, but not Social Security or Medicare.
Through payroll, an HSA avoids income tax and FICA. California and New Jersey still tax it.
2026 limit $3,400.
2026 limit $7,500 per household ($3,750 married filing separately).
Paycheck breakdown (biweekly)
Annual summary
Illinois paycheck rules for 2026
| State income tax, 2026 | Flat 4.95% |
|---|---|
| Deductions before tax | personal exemption $2,925 per person |
| Withholding certificate | Form IL-W-4 |
| Bonus (supplemental) withholding | Illinois withholds its flat 4.95% on bonuses. |
| Mandatory payroll premiums | None for employees |
| Local income taxes | None |
| Reciprocity agreements | Yes, with Iowa, Kentucky, Michigan and Wisconsin |
| Sales tax (for context) | 6.25% state, 8.98% average combined with local (rank 8 of 51) |
Worked example: $60,000 in Illinois
Single filer, paid every two weeks (26 paychecks), standard W-4, no 401(k) or other benefits.
| Gross pay | $2,307.69 |
| Federal income tax | -$193.08 |
| Social Security (6.2%) | -$143.08 |
| Medicare (1.45%) | -$33.46 |
| Illinois income tax | -$108.66 |
| Take-home pay | $1,829.41 |
Illinois take-home pay at different salaries
Single filer, paid every two weeks, standard W-4, no benefits, no local tax.
| Salary | Per paycheck | Per year | To Illinois |
|---|---|---|---|
| $40,000 | $1,249.41 | $32,485 | $1,835 |
| $60,000 | $1,829.41 | $47,565 | $2,825 |
| $100,000 | $2,860.57 | $74,375 | $4,805 |
| $150,000 | $4,096.57 | $106,511 | $7,280 |
Living and working in Illinois
Illinois's state sales tax is 6.25%; with local add-ons the average combined rate is 8.98%, ranked 8 of 51 as of July 2026.
The flat 4.95% rate is written into the state constitution, which is why the 2020 attempt to introduce graduated rates required a constitutional amendment (it failed).
In retirement: Illinois does not tax retirement income at all. Not Social Security, not pensions, not 401(k) or IRA withdrawals. It is one of the most generous treatments in the country.
Illinois paycheck questions
How much is take-home pay on $60,000 in Illinois?
A single filer paid $60,000 a year every two weeks, with no pre-tax benefits, takes home about $1,829.41 a paycheck in Illinois ($47,565 a year). Each $2,307.69 paycheck loses $193.08 to federal income tax, $176.54 to Social Security and Medicare, $108.66 to Illinois income tax. That is $2,825 a year less than the same salary in a state with no income tax or payroll premiums.
How much Illinois income tax comes out of each paycheck?
Flat 4.95% written into the state constitution. No standard deduction; a $2,925 exemption per person, not available above $250,000 of income ($500,000 joint). On a $60,000 salary that works out to about $108.66 every two weeks, an effective 4.71% of gross pay.
What else does Illinois take out of a paycheck?
Apart from income tax, Illinois requires no other employee payroll deduction, so the remaining lines on your stub are federal income tax, Social Security, Medicare and any benefits you chose.
I live in a neighboring state. Will Illinois tax my paycheck?
Not if you live in Iowa, Kentucky, Michigan and Wisconsin. Illinois has reciprocal agreements with those states, so you can give your employer the state's nonresidence form and have only your home state's tax withheld. Without the form, Illinois tax is withheld anyway and you must file a Illinois return to get it back.
How are bonuses withheld in Illinois?
Federally, a bonus paid separately is usually withheld at a flat 22% (37% on supplemental pay above $1 million in the year). For Illinois: Illinois withholds its flat 4.95% on bonuses.
Which form sets my Illinois withholding?
Illinois uses Form IL-W-4 alongside the federal Form W-4. If you do not file one, your employer uses the state's default setting, usually single with no allowances or adjustments. Update it after marriage, a new child or a second job.
More for Illinois
- Illinois income tax calculator for the full year
- Paycheck calculator for all states
- Bonus tax calculator