Illinois Paycheck Calculator (2026)

Last updated: 2026-10-07 · Illinois figures checked against official sources on 2026-10-07

Illinois withholds a flat 4.95% state income tax in 2026 using its own formula and your Form IL-W-4 Employee's and other Payee's Illinois Withholding Allowance Certificate. On a $50,000 salary paid every two weeks, a single employee keeps about $1,539.43 per check: $146.92 federal, $147.11 Social Security and Medicare, $89.62 Illinois income tax come out of $1,923.08.

Net pay $1,539.43 of $1,923.08Breakdown ↓

Pay

Pay frequency

Annual salary

Bonus / commission this check

Federal method for bonus

Cash tips reported

Taxed through payroll; not paid in the check.

Federal W-4

Form W-4 on file

Step 1(c) filing status

Step 2(c) box checked (two jobs in the household)

Step 3 credits/yr

4(a) other income/yr

4(b) deductions/yr

4(c) extra per check

Claimed exemption from federal withholdingNonresident alien employee (adds the Pub. 15-T table amount to wages for withholding)

Don't know your W-4 numbers? Use the W-4 helper.

State & local

Illinois

Other states

From your Form IL-W-4 Employee's and other Payee's Illinois Withholding Allowance Certificate:

IL-W-4 line 1 allowances

IL-W-4 line 2 allowances (65+/blind)

Extra per check

Exempt from state withholding

Local income tax

Pick “Custom rate” if your city, county or school district taxes wages.

Deductions (per paycheck)

No deductions. Add retirement, health premiums, HSA or after-tax items below.

Year-to-date, employer size and gross-up

YTD Social Security wages before this check

For the $184,500 wage base and the $200,000 Additional Medicare threshold.

Employees at the company

Sets state paid-leave shares (e.g. DE, CO, ME).

Gross-up: net pay wanted per check

Enter a take-home amount to solve for gross pay.

Your inputs are saved in this browser only.

Paycheck breakdown · 2026 · Illinois

Net pay (biweekly)

$1,539.43

80% of $1,923.08 gross

Year (every check like this)

$40,025

$3,335 a month

Take-home 80%Federal 8%FICA 8%State & local 5%

Item	This check	Year
Salary	$1,923.08	$50,000
Gross pay	$1,923.08	$50,000
− Federal income tax	−$146.92	−$3,820
− Social Security (6.2%)	−$119.23	−$3,100
− Medicare (1.45%)	−$27.88	−$725
− Illinois income taxState formula	−$89.62	−$2,330
Net pay	$1,539.43	$40,025

How federal withholding was figured (Pub. 15-T Worksheet 1A)

1a	Taxable wages this pay period	$1,923.08
1b	Pay periods per year	26
1c	Annualized wages	$50,000.08
1d	Step 4(a) other income	$0.00
1f	Step 4(b) deductions	$0.00
1g	Standard adjustment ($12,900 MFJ / $8,600 other)	$8,600.00
2a	Adjusted Annual Wage Amount	$41,400.08
2b–2d	Row: at least $19,900 → $1,240.00 + 12% of the excess (standard single schedule)
2g	Annual tentative withholding	$3,820.01
2h	÷ pay periods	$146.92
3b	Step 3 credits per period	−$0.00
4a	Extra withholding (Step 4(c))	$0.00
4b	Federal income tax to withhold	$146.92

How Illinois withholding was figured

Illinois IL-700-T (2026) automated payroll formula

Annualized state wages ($1,923.08 × 26)	$50,000.08
IL-W-4 allowances: 1 × $2,925 + 0 × $1,000	−$2,925.00
× 4.95%	$2,330.22
Annual withholding ÷ 26 pay periods	$89.62

What the employer pays on top

Social Security match (6.2%)	$119.23
Medicare match (1.45%)	$27.88
FUTA (0.6% of the first $7,000)	$11.54
Federal employer taxes this check	$158.65

Plus state unemployment, paid-leave employer shares and workers' comp — payroll cost calculator has every state's 2026 rates.

Illinois take-home pay examples (2026)

Paid biweekly, 2026 W-4 with only the filing status, no pre-tax deductions or local tax; Illinois certificate — single: IL-W-4 line 1 allowances: 1; IL-W-4 line 2 allowances (65+/blind): 0; married: IL-W-4 line 1 allowances: 2; IL-W-4 line 2 allowances (65+/blind): 0. Computed with the same engine as the calculator.

Salary · filing status	Gross / check	Federal	Soc. Sec. + Medicare	Illinois tax	Net / check	Net / year
$50,000 · single	$1,923.08	$146.92	$147.11	$89.62	$1,539.43	$40,025
$50,000 · married, one income	$1,923.08	$68.46	$147.11	$84.05	$1,623.46	$42,210
$100,000 · single	$3,846.15	$506.54	$294.23	$184.82	$2,860.56	$74,375
$100,000 · married, one income	$3,846.15	$293.85	$294.23	$179.25	$3,078.82	$80,049

Illinois income tax rates for 2026

2026: Exemption allowance indexed from $2,850 (2025) to $2,925 (2026). Rate unchanged at 4.95%.

All filing statuses

Taxable income	Rate
Over $0	4.95%

Standard deduction: None
Personal exemption: $2,925 / $2,925 per dependent deduction

Credits, phase-outs and other Illinois rules

Flat 4.95% on Illinois net income (federal AGI ± Illinois modifications − exemption allowance). Same rate for all filing statuses (hoh/mfs keys omitted because the single flat rate applies).
No standard deduction. Exemption allowance $2,925 per person (taxpayer, spouse, each dependent) for tax year 2026 (up from $2,850 in 2025) — IDOR Bulletin FY 2026-15 and IL-700-T.
Additional $1,000 exemption each if taxpayer/spouse is 65+ or legally blind (IL-W-4 Line 2 allowances valued at $1,000).
Phase-out cliff: the exemption allowance (including 65+/blind amounts) is NOT allowed at all if AGI exceeds $250,000 ($500,000 MFJ) (IDOR Bulletin FY 2026-15; IL-W-4). Withholding still subtracts allowances, so high earners may under-withhold.

All 51 jurisdictions side by side: 2026 state income tax rates.

How Illinois withholding works

Employee form: Form IL-W-4 Employee's and other Payee's Illinois Withholding Allowance Certificate

Employer guide: 2026 Booklet IL-700-T, Illinois Withholding Tax Tables (R-12/25), effective Jan 1-Dec 31, 2026 — automated payroll method p.4

Tax withheld = 0.0495 × (wages − ((IL-W-4 Line 1 allowances × $2,925) + (Line 2 allowances × $1,000)) ÷ pay periods per year) + Line 3 additional amount. No filing-status distinction. No IL-W-4 on file → withhold on the entire amount with no exemptions. Federal W-4 not used.

The calculator above applies this 2026 formula line by line (open “How Illinois withholding was figured” in the results), using the Form IL-W-4 Employee's and other Payee's Illinois Withholding Allowance Certificate entries you choose.

Other deductions from a Illinois paycheck

Illinois has no employee-paid state disability, paid-leave or unemployment premium in 2026, so after income taxes the only required deductions are Social Security (6.2% up to $184,500) and Medicare (1.45%, plus 0.9% above $200,000).

Local income taxes in Illinois

No local (city/county) income tax on wages in Illinois — the IL-700-T covers only the 4.

Illinois paycheck FAQ

How much is $50,000 a year after taxes in Illinois?

About $40,025 a year — $1,539.43 per biweekly paycheck — for a single filer with a basic 2026 W-4 and no pre-tax deductions: $146.92 federal income tax, $147.11 Social Security and Medicare, $89.62 Illinois income tax per check. A married couple filing jointly on one $50,000 income keeps about $42,210 ($1,623.46 per check).

How much is $100,000 a year after taxes in Illinois?

About $74,375 for a single filer ($2,860.56 per biweekly check) and $80,049 for a married couple with one income ($3,078.82 per check); Illinois income tax takes $4,805 and $4,661 of that respectively. Add 401(k), health or HSA deductions in the calculator to see your exact number.

What is the Illinois income tax rate for 2026?

A single rate of 4.95% and a personal exemption ($2,925 / $2,925 per dependent deduction). Exemption allowance indexed from $2,850 (2025) to $2,925 (2026).

Which form controls Illinois withholding?

Your Form IL-W-4 Employee's and other Payee's Illinois Withholding Allowance Certificate. Employers apply 2026 Booklet IL-700-T, Illinois Withholding Tax Tables (R-12/25), effective Jan 1-Dec 31, 2026 — automated payroll method p.4. Changing your federal W-4 does not change your Illinois withholding.

Are there local income taxes in Illinois?

No local (city/county) income tax on wages in Illinois — the IL-700-T covers only the 4.

What else comes out of a Illinois paycheck besides income tax?

Only Social Security (6.2% of wages up to $184,500) and Medicare (1.45%, plus 0.9% over $200,000) — Illinois has no employee-paid state disability, paid-leave or unemployment premium in 2026 — and any benefits you elect.

Does Illinois tax 401(k) contributions or health premiums?

Illinois follows the federal treatment for wage withholding: traditional 401(k)/403(b)/457(b) deferrals and cafeteria-plan items (health premiums, HSA, FSA) reduce the wages Illinois taxes.

More for Illinois employers and employees

Official Sources

Figures checked against these sources on 2026-10-07

Paycheck calculators for other states

Estimates only, not tax or payroll advice. Check results against your pay stub.