Illinois Paycheck Calculator

Updated for 2026 tax year · figures checked on November 3, 2026

Illinois taxes wages at a flat 4.95% after subtracting your IL-W-4 allowances, so every paycheck shows Illinois income tax next to federal income tax, Social Security and Medicare. This Illinois paycheck calculator, also a salary and take-home pay calculator, uses the state's 2026 automated payroll formula.

A single filer earning $60,000 a year and paid every two weeks, with one basic allowance, has a gross paycheck of $2,307.69 and takes home about $1,829.41, or $47,565 a year.

Annual salary

Pay frequency

Filing status (W-4 Step 1(c))

Take-home pay per bi-weekly paycheck

$1,829.41

$47,564.66 a year from $59,999.94 gross pay (26 paychecks)

Take-home 79.3%
Federal income tax 8.4%
Social Security 6.2%
Medicare 1.4%
State income tax 4.7%

Paycheck breakdown per paycheck and per year in Illinois
Item	Per paycheck	Per year
Gross pay	$2,307.69	$59,999.94
Federal income tax	−$193.08	−$5,020.08
Social Security	−$143.08	−$3,720.08
Medicare	−$33.46	−$869.96
State income tax	−$108.66	−$2,825.16
Take-home pay	$1,829.41	$47,564.66

How we calculated this

Estimates for informational purposes only, based on 2026 withholding rules. Your actual paycheck may differ. This is not tax advice. Report an issue

Illinois salary calculator: what your result means

Your result is take-home pay after federal and Illinois withholding. In the $60,000 example, federal income tax is about 8.4% of gross pay, Social Security and Medicare 7.7%, and Illinois income tax 4.7%.

Illinois doesn't use filing status for withholding: only the number of allowances on your IL-W-4 matters. Each basic allowance shelters $2,925 of yearly pay and each additional allowance $1,000. Enter yours under More options.

At $100,000 a year you'd take home about $2,860.56 every two weeks, or $74,375 a year. A $40,000 salary paid weekly comes to about $624.72 per paycheck.

How Illinois taxes your paycheck

Illinois withholding at a glance
State income tax on wages	Flat 4.95%
State payroll programs withheld from pay	None

Source: Illinois Department of Revenue, Booklet IL-700-T Illinois Withholding Tax Tables (R-12/25), effective January 1, 2026

Each IL-W-4 basic allowance exempts $2,925 a year, and each additional allowance $1,000.

Illinois has one income tax rate, 4.95%, for all income levels. The personal exemption for 2026 is $2,925, and employers spread it across your paychecks: they subtract your allowances, divided by the number of pay periods, before applying the rate. We found no Illinois city or county income tax on wages.

How your IL-W-4 sets Illinois withholding

Line 1 of the IL-W-4 counts basic allowances: one for you (if no one else can claim you), one for your spouse and one for each dependent. Line 2 adds allowances for being 65 or older or legally blind, and for large federal deductions. If you never filed an IL-W-4, your employer must withhold on your entire pay with no exemptions, which takes noticeably more from each check.

Pre-tax deductions in Illinois

Illinois withholding applies when federal withholding does, but the Department of Revenue's publications don't list how each pre-tax deduction is treated. This calculator follows the federal treatment for 401(k), health insurance, HSA and FSA deductions while we confirm it.

Things to know about Illinois paychecks

No IL-W-4 means no exemptions. If you don't file an IL-W-4, your employer withholds 4.95% on your whole paycheck without allowances. (Source: Illinois Department of Revenue, Form IL-W-4 Employee's and other Payee's Illinois Withholding Allowance Certificate)
Wages within 13 days of the pay period. Illinois employers must pay at least twice a month and no later than 13 days after each pay period ends. (Source: Illinois Department of Labor, Wage Payment and Collection FAQ)
Paid leave for any reason. Workers in Illinois earn up to 40 hours of paid leave a year that they can use for any reason. (Source: Illinois Department of Labor, Your Rights Under Illinois Employment Laws (2026 poster))

Federal taxes on every paycheck

Every US paycheck has the same three federal deductions, whichever state you work in. Together, Social Security and Medicare are called FICA (Federal Insurance Contributions Act) taxes.

Federal income tax withholding. Withholding is tax your employer takes out of each paycheck and sends to the IRS on your behalf. The amount depends on your pay and your Form W-4, using the IRS method in Publication 15-T. It is an estimate of your yearly tax; you settle the difference when you file your return.
Social Security. 6.2% of your wages, up to the wage base of $184,500 for the year. The wage base is the most pay that Social Security tax applies to.
Medicare. 1.45% of all your wages, with no limit. Once your pay from one employer passes $200,000 in a year, your employer also withholds an extra 0.9% Additional Medicare Tax on the amount above it.

Source: IRS Publication 15 (2026), (Circular E), Employer's Tax Guide.

Ways to change your paycheck

To change Illinois withholding, give your employer a new IL-W-4. Claiming the basic allowances you're entitled to lowers Illinois withholding; claiming fewer, or adding an extra amount on line 3, raises it.

Your federal W-4 doesn't change Illinois withholding, and the IL-W-4 doesn't change federal withholding, so check both when your household changes.

Update your Form W-4. Claiming dependents, checking the Step 2 box or asking for extra withholding changes how much federal tax comes out of each paycheck. The IRS Tax Withholding Estimator can help you fill it in.
Pre-tax deductions. Money you put into a traditional 401(k), an HSA or employer health insurance comes out before federal income tax, so your take-home pay drops by less than the amount you save.
Bonuses. Employers often withhold federal tax on a bonus paid separately at a flat rate. Add a bonus under More options to see it.

Illinois payroll rules

Minimum wage: $15.00 an hour for adults since January 1, 2025, for employers with four or more employees. Tipped employees can be paid $9.00 an hour if tips make up the difference, and workers under 18 who work under 650 hours a year $13.00. (Source: Illinois Department of Labor, Your Rights Under Illinois Employment Laws (2026 poster))
Overtime: Time-and-a-half your regular pay for hours worked over 40 in a workweek, the same as the federal rule. (Source: Illinois Department of Labor, Your Rights Under Illinois Employment Laws (2026 poster))
How often you must be paid: Employers must pay all wages at least twice a month, no later than 13 days after the end of the pay period. Executive, administrative and professional employees may be paid monthly. (Source: Illinois Department of Labor, Wage Payment and Collection FAQ)
Final paycheck: Whether you quit or are let go, final pay, including earned vacation, commissions and bonuses, is due in full at separation if possible and no later than the next regularly scheduled payday. (Source: Illinois Department of Labor, Wage Payment and Collection FAQ)

For employers in Illinois

State unemployment tax: Employers pay unemployment contributions on the first $14,250 of each worker's wages in 2026. Most new employers pay an entry rate of 3.350%. Employees don't pay it. (Source: Illinois Department of Employment Security, EA-50 Employer Contribution Rates for 2026 (11/2025))
New hire reporting: Report new hires within 20 days of the employee's first day on the payroll. (Source: Illinois Department of Employment Security, New Hire Reporting)
State income tax withholding: Employers who withhold Illinois Income Tax must register with the Illinois Department of Revenue, online through MyTax Illinois or on Form REG-1, and withhold Illinois tax whenever they withhold federal income tax. (Source: Illinois Department of Revenue, Publication 130 Who is Required to Withhold Illinois Income Tax (R-02/26))

New employers in the administrative support and waste management sector pay a higher entry rate of 3.450% for unemployment insurance.

Compare Illinois with neighboring states

Take-home pay on a $60,000 salary, single filer, paid bi-weekly, no pre-tax deductions
			Per paycheck
Indiana	$1,740	$48,649	$1,871.13
Iowa	$1,746	$48,644	$1,870.92
Missouri	$1,872	$48,518	$1,866.07
Kentucky	$1,983	$48,407	$1,861.82
Wisconsin	$2,765	$47,625	$1,831.74
Illinois	$2,825	$47,565	$1,829.41

Paycheck calculators for neighboring states: Iowa, Indiana, Kentucky, Missouri, Wisconsin.

Most-searched state paycheck calculators

Illinois paycheck FAQ

What is the Illinois income tax rate in 2026?

A flat 4.95%, with a personal exemption of $2,925 per allowance.

How many allowances should I claim on the IL-W-4?

Line 1 usually includes one for you, one for your spouse and one per dependent; Line 2 adds allowances for age, blindness and large deductions. The form's worksheet walks through it.

Does Chicago have a city income tax?

We found no Illinois city or county income tax on wages in the Department of Revenue's withholding guidance.

When do I get my final paycheck in Illinois?

No later than the next regularly scheduled payday, including earned vacation, commissions and bonuses, whether you quit or were let go.

What is the minimum wage in Illinois?

$15.00 an hour for adults, $9.00 for tipped workers and $13.00 for workers under 18 working under 650 hours a year.

Is overtime taxed more in Illinois?

No. Overtime is withheld at the same 4.95% Illinois rate as other wages; a larger paycheck can mean more federal withholding that period.

Sources and methodology

Every rate and limit on this page comes from the official sources below, checked on 2026-11-03. Read how our paycheck calculator works for the calculation order and its limits.