Illinois Paycheck Calculator 2026
Calculate your take-home pay in Illinois after federal taxes, FICA, and Illinois state taxes. Free, instant, and updated for tax year 2026.
Your details
Advanced (pre-tax deductions)
Annual breakdown
- Gross income$85,000
- Federal income tax(11.6%)-$9,870
- Social Security (6.2%)(6.2%)-$5,270
- Medicare (1.45%)(1.5%)-$1,233
- Illinois state tax(4.8%)-$4,070
- Take-home pay(75.9%)$64,557
Calculations use projected 2026 IRS brackets, standard deduction, and FICA rates. Read full disclaimer.
How Illinois taxes your paycheck in 2026
Illinois uses a flat 4.95% income tax rate. A $2,775 per-person exemption lowers taxable income.
When you look at your Illinois paycheck, you'll see several deductions: federal income tax (withheld based on your W-4 and filing status), FICA (Social Security at 6.2% and Medicare at 1.45%), and a flat 4.95% Illinois state tax on your taxable income.
Federal tax brackets for 2026
Before your Illinois tax, the IRS takes federal income tax. The 2026 federal brackets (for a single filer, Rev. Proc. 2025-32) are:
| Income range | Rate |
|---|---|
| $0 – $12,400 | 10% |
| $12,400 – $50,400 | 12% |
| $50,400 – $105,700 | 22% |
| $105,700 – $201,775 | 24% |
| $201,775 – $256,225 | 32% |
| $256,225 – $640,600 | 35% |
| $640,600 – ∞ | 37% |
Standard deduction (federal)
For tax year 2026, the federal standard deduction is $16,100 for single filers and $32,200 for married filing jointly.
FICA tax breakdown
- Social Security: 6.2% of wages up to $184,500 (2026 wage base)
- Medicare: 1.45% on all wages, with no cap
- Additional Medicare: 0.9% on wages over $200,000 (single) or $250,000 (MFJ)
FICA is a federal tax, so your Illinois rate is identical to every other state. Your employer pays a matching 6.2% + 1.45% for you (self-employed workers pay both halves).
Illinois salary and economy snapshot (2024)
To put your take-home pay in context, here is what wages look like across Illinois, drawn from the BLS OEWS May 2024 + Illinois Department of Revenue. The full-time median in Illinois is approximately $61,920 per year, with median household income at $80,306.
Take-home benchmark: a worker earning $80,000 (state median household) typically nets ~$60,800/year after federal + IL 4.95% + FICA (single). Use the calculator above for your exact figure.
Sectors driving employment
- Financial services (Chicago)
- Manufacturing
- Healthcare
Largest employers in Illinois
Some of the major employers shaping the Illinois job market include Walgreens Boots Alliance, Boeing, Caterpillar, and United Airlines. These organizations set wage benchmarks that ripple across the regional labor market.
Cost of living note
Illinois charges a flat 4.95% state income tax. Property taxes are the second-highest in the US (avg 2.07% effective rate), partly offsetting the moderate income tax.
Source: BLS OEWS May 2024 + Illinois Department of Revenue. Figures are pre-tax unless stated; cost-of-living comparisons use national averages.
Illinois paycheck FAQ
How much is state income tax in Illinois?
What is FICA and how much will I pay in Illinois?
How do I estimate my take-home pay in Springfield, Illinois?
Does this calculator include local taxes in Illinois?
What is the cost of living in Illinois?
Compare with nearby states
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