Illinois Paycheck Calculator
See exactly what you keep after taxes in Illinois — enter your pay for an instant, itemized take-home breakdown.
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Your take-home pay
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Effective tax rate 0%
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How Illinois take-home pay is calculated
Illinois levies a single flat income tax of 4.95% on all taxable income, so high and low earners face the same marginal rate. There are no county or municipal income taxes, meaning your take-home pay is not further reduced at the local level. Because the rate is moderate and flat, Illinois sits in the middle of the pack compared with graduated-rate states.
Federal income tax
Progressive 10%–37%, applied after the federal standard deduction ($15,000 single / $30,000 married for 2025).
Social Security
6.2% of wages up to the $176,100 wage base.
Medicare
1.45% of all wages, plus 0.9% above $200,000.
Illinois state income tax
Progressive Flat 4.95%.
401(k) — optional
Pre-tax contributions lower your taxable income for both federal and state tax.
- Flat 4.95% income tax rate applies to all taxable income regardless of filing status or income level
- No standard deduction; instead a $2,850 personal exemption per taxpayer and dependent for 2025 (phased out above $250,000 single / $500,000 married AGI)
- Illinois does not tax retirement income such as Social Security, pensions, or 401(k) and IRA distributions
Illinois paycheck — frequently asked questions
How much is taken out of a paycheck in Illinois? +
In Illinois, federal income tax, Social Security (6.2%), Medicare (1.45%) and Illinois state income tax (Flat 4.95%) are withheld. Total withholding typically lands around 25%–35% of gross pay, depending on income and filing status.
What is take-home pay? +
Take-home pay (net pay) is the amount that actually reaches your bank account after all taxes and deductions are subtracted from your gross salary. It is always lower than your headline salary.
Does Illinois have a state income tax? +
Yes. Illinois has a progressive state income tax (Flat 4.95%), charged on top of federal income tax.
Is this Illinois paycheck calculator accurate? +
It gives a close estimate using 2025 federal and Illinois tax brackets, the standard deduction and FICA. Your actual paycheck can vary based on local taxes, additional withholdings, benefits and your W-4. It is an estimate, not tax advice.
Disclaimer: This calculator provides estimates for educational purposes only using 2025 tax figures and does not constitute tax, legal, or financial advice. Actual withholding depends on your W-4, local taxes, benefits, and other factors. Verify with a qualified professional or the relevant tax authority.