United States · Calculator

Illinois Paycheck Calculator 2026

Enter your pay, W-4 and IL-W-4 details to see an Illinois paycheck after federal income tax, Social Security, Medicare and Illinois income tax for tax year 2026.

Tax year 2026 · IRS Publication 15-T (2026) · IRS Publication 15 (2026) · Illinois Department of Revenue, IL-700-T (2026) · checked September 29, 2026Sources

Each state has its own page and its own tax rules.

Your gross pay before any tax or deduction: a yearly salary or an hourly rate.

Pay type

Salary is an amount per year; hourly is an amount per hour.

Shown for hourly pay. Your usual total hours in a week.

How often you are paid: weekly, biweekly (every two weeks), semimonthly (twice a month) or monthly.

Filing status

As marked in Step 1(c) of your 2020-or-later Form W-4: single or married filing separately, married filing jointly, or head of household.

More deductions 401(k), HSA, W-4 steps 3–4, state form

The share of each paycheck sent to a traditional 401(k) before tax. It lowers federal and Illinois income tax wages, not Social Security or Medicare wages.

Health savings account contributions made through payroll under a cafeteria plan.

Health, dental or vision premiums and similar deductions taken before tax.

The total from Step 3 of your Form W-4.

Income not from jobs that you asked to have withholding on.

Deductions beyond the standard deduction, as entered on your W-4.

Any additional federal amount withheld each pay period.

The filing status on your California Form DE 4, Employee's Withholding Allowance Certificate. It can differ from your federal W-4.

The filing status on your New York Form IT-2104, Employee's Withholding Allowance Certificate. It can differ from your federal W-4.

The filing status on your New Jersey Form NJ-W4.

The filing status on your North Carolina Form NC-4 or NC-4 EZ, which can differ from your federal W-4.

The Georgia filing status on Form G-4, Employee's Withholding Allowance Certificate. It sets the Georgia standard deduction used in withholding.

The rate table letter selected on Form NJ-W4, if you chose one; otherwise the table set by your filing status is used.

New York City, Yonkers, or elsewhere. New York City and Yonkers taxes are withheld from residents; the choice follows your home address, not your office.

Tick this if you work in Yonkers but live outside it. Yonkers withholds a nonresident earnings tax on those wages.

The number on Line 1 of your Form IL-W-4, Employee's and other Payee's Illinois Withholding Allowance Certificate. With no IL-W-4 on file, your employer uses zero.

The number on Line 2 of your IL-W-4, for age 65 or older, legal blindness, or the same for your spouse. Each one lowers the wages Illinois tax is figured on by $1,000 a year (Illinois Department of Revenue, IL-700-T (2026)).

The number of allowances claimed on Form DE 4. Each allowance lowers California withholding by $168.30 a year (EDD, California Employer's Guide (DE 44) (2026)).

Extra allowances claimed on Form DE 4 for itemized deductions.

The number of New York allowances claimed on Form IT-2104 (the same count applies to New York City and Yonkers withholding).

The number of New Jersey withholding allowances claimed.

The number of North Carolina withholding allowances claimed on Form NC-4.

The number of dependents claimed on Form G-4.

The number of personal and dependent exemptions claimed on Form VA-4, Employee's Virginia Income Tax Withholding Exemption Certificate.

Exemptions for age or blindness, claimed separately on Form VA-4.

The number of Ohio exemptions claimed on Form IT 4, Employee's Withholding Exemption Certificate.

The number of exemptions claimed on Form MI-W4, Employee's Michigan Withholding Exemption Certificate.

Detroit is the only Michigan city included so far: say whether you live there or only work there, because residents and non-residents pay different rates. Other Michigan cities with an income tax are being added.

For people who live or work in Philadelphia, the city's wage tax applies in place of the usual local earned income tax withholding, with separate resident and non-resident rates.

Any extra Illinois amount you asked your employer to withhold, from Line 3 of your IL-W-4.

Illinois taxes wages at one flat rate of 4.95% after your IL-W-4 allowances (Illinois Department of Revenue, IL-700-T (2026)).

Take-home pay per paycheck live

$1,974.42

$51,334.92 a year · every 2 weeks (26 paychecks)

  • Gross pay per paycheck$2,500.00
  • Federal income tax−$216.15
  • Social Security−$155.00
  • Medicare−$36.25
  • Illinois income tax−$118.18
  • Take-home pay per paycheck$1,974.42
  • Take-home pay per year$51,334.92

Estimate for tax year 2026 based on IRS Publication 15-T (2026) · IRS Publication 15 (2026) · Illinois Department of Revenue, IL-700-T (2026). Not tax, legal or financial advice. Your employer's payroll may differ.

Compare two scenarios

Put an Illinois salary next to the same pay in Texas, where wages have no state income tax, or set the same Illinois job with two 401(k) settings. The link keeps both.

A blank paycheck stub lying on an office desk beside a pen.

How it works

The calculator takes your gross pay for one pay period, subtracts the pre-tax deductions you entered, and works out each tax on its own line. Federal income tax follows the percentage method in IRS Publication 15-T (2026), Federal Income Tax Withholding Methods, using your W-4 entries. Social Security is 6.2% of wages up to $184,500 for the year (SSA; IRS Publication 15 (2026)). Medicare is 1.45% of all wages, plus Additional Medicare Tax of 0.9% on wages over $200,000 (IRS Publication 15 (2026)).

Illinois income tax follows the formula in Illinois Department of Revenue, Booklet IL-700-T, Illinois Withholding Tax Tables (2026). Each IL-W-4 basic allowance is worth $2,925 a year and each additional allowance $1,000. The calculator adds up your allowances, divides the total by the number of paychecks in the year, subtracts that from the paycheck's wages, and applies the flat rate of 4.95% to what is left. Illinois has one rate for every income level and every filing status, so your IL-W-4 allowances are the only state entries that change the amount.

Illinois has no employee-paid state disability or paid family leave deduction, and state unemployment insurance is paid by employers to the Illinois Department of Employment Security. Chicago and other Illinois cities and counties do not levy a local income tax on wages, so there is no local tax field on this page.

Not included: employer-paid taxes, after-tax deductions such as Roth 401(k) or union dues, garnishments, bonuses and other supplemental wages, tips, and any refund or balance due when you file. Your employer's payroll may round differently or use the IL-700-T tables instead of the formula.

Worked example

Take a $65,000 salary paid biweekly, filing single on the W-4, with one IL-W-4 basic allowance and no other deductions. Gross pay is $65,000 divided by 26 paychecks, which is $2,500.00. Federal withholding under Pub 15-T is $216.15, Social Security is $155.00 and Medicare is $36.25. For Illinois, the calculator divides the one allowance of $2,925 by 26, subtracts it from the paycheck, and applies 4.95%: Illinois withholding is $118.18. Take-home pay is $1,974.42 per paycheck, or $51,334.92 over the year.

Frequently asked questions

What is the Illinois income tax rate for 2026?

Illinois taxes wages at a flat 4.95% for every income level and filing status (Illinois Department of Revenue, IL-700-T (2026)).

How much is taken out of a paycheck in Illinois?

An Illinois paycheck has federal income tax, Social Security, Medicare and Illinois income tax withheld. The total depends on your pay, W-4 and IL-W-4; with the example above it comes to 21.0% of gross pay.

How do IL-W-4 allowances work?

The IL-W-4 worksheet sets the count: basic allowances on Line 1 for yourself, your spouse and dependents, and additional allowances on Line 2 for age 65 or older or legal blindness. Each basic allowance lowers the wages Illinois tax is figured on by $2,925 a year (Illinois Department of Revenue, IL-700-T (2026)).

Does Chicago have a city income tax?

No. Chicago does not withhold a city income tax from wages, so a Chicago paycheck has the same tax lines as one anywhere else in Illinois.

Do I pay Illinois tax if I live in Iowa, Kentucky, Michigan or Wisconsin?

Illinois has reciprocal agreements with these four states, so a resident of one of them who works in Illinois can file Form IL-W-5-NR and have tax withheld for the home state instead (Illinois Department of Revenue, 2026). This calculator applies Illinois withholding.

Is my 401(k) taxed by Illinois?

Traditional 401(k) contributions are left out of Illinois taxable wages, the same as for federal income tax, so a 401(k) setting lowers both lines. Social Security and Medicare still apply to them.