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Payroll Stack

Illinois Paycheck Calculator 2026

Illinois withholds a flat 4.95% state income tax. Estimate your take-home pay after federal income tax, Social Security, Medicare and Illinois withholding.

Last updated

Your pay in Illinois

How are you paid?

Other states are coming soon.

Check if you have more than one job, or you and your spouse both work, and you ticked Step 2(c).

Traditional (pre-tax). Lowers income tax, not FICA.

Pre-tax (Section 125). Lowers income tax and FICA.

Usually 1 for yourself, plus 1 for a spouse you claim.

For age 65 or older, or legally blind.

More W-4 and paycheck options

Include any tips or overtime deduction you claim here.

Roth 401(k) and similar.

Optional. Places the Social Security cap and the extra Medicare tax.

Estimated take-home pay per paycheck

$1,597.42

$41,532.92 a year, 26 paychecks in Illinois

Paycheck breakdown
ItemPer paycheckPer year
Gross pay$2,000.00$52,000.00
Federal income tax−$156.15−$4,059.90
Social Security (6.2%)−$124.00−$3,224.00
Medicare (1.45%)−$29.00−$754.00
Illinois income tax−$93.43−$2,429.18
Take-home pay$1,597.42$41,532.92

Total taxes: $402.58 per paycheck, $10,467.08 a year. Amounts are shown in cents; payroll systems may round withholding to whole dollars.

Rates as of: IRS Pub 15-T (2026), rev. Dec 3, 2025 · SSA 2026 · Illinois: Illinois Department of Revenue, Booklet IL-700-T, Illinois Withholding Tax Tables (2026). Methodology and sources

This is payroll withholding, not your final tax bill. Your actual tax may differ when you file.

Illinois payroll taxes in 2026

State income tax withholding
4.95% flat
  • Illinois withholds 4.95% of wages after subtracting $2,925 for each IL-W-4 line 1 allowance and $1,000 for each line 2 allowance.
  • State wages are assumed to equal federal income tax wages (401(k) and Section 125 contributions excluded).

Rates in effect January 1, 2026 to December 31, 2026; checked against the sources on October 1, 2026. Sources: Illinois Department of Revenue, Booklet IL-700-T, Illinois Withholding Tax Tables (2026).

Paycheck calculators for nearby states

  • Wisconsin (coming soon)
  • Iowa (coming soon)
  • Missouri (coming soon)
  • Kentucky
  • Indiana (coming soon)

See all states

Illinois paycheck questions

Does Illinois have income tax?

Illinois withholds a flat 4.95% state income tax. State wages are assumed to equal federal income tax wages (401(k) and Section 125 contributions excluded).

Are local taxes in Illinois included?

No. City, county and school district taxes are not included in this estimate. If you pay one, your paycheck will be smaller than shown.

Do 401(k) contributions reduce Social Security tax?

No. Traditional 401(k) and 403(b) contributions lower the wages used for federal income tax, but not for Social Security and Medicare. Section 125 benefits (health, dental and vision premiums, and HSA contributions through a cafeteria plan) lower both. In Pennsylvania, 401(k) contributions are also subject to state income tax.

Is this tax advice?

No. It is an estimate of payroll withholding, not your final tax bill and not tax, legal or financial advice. Your actual tax may differ when you file. For your situation, use the IRS Tax Withholding Estimator (irs.gov/w4app) or a tax professional.

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