Illinois taxes wages at a flat rate in 2026 — calculate state tax, federal tax and FICA, and see your take-home pay.
Illinois income tax calculator
Enter your gross annual wages for the 2026 tax year, filed in 2027. Results are for wages only.
The Illinois personal exemption is $2,925 per person claimed — yourself, your spouse if filing jointly, plus each dependent entered — and is lost entirely if federal AGI is over $250,000 single or $500,000 joint.
Federal tax: $7,670
Illinois tax: $3,568
FICA: $5,738
Take-home pay (annual): $58,024
Monthly (annual take-home / 12): $4,835
Biweekly (annual take-home / 26): $2,232
Weekly (annual take-home / 52): $1,116
Rounding: each tax component is rounded half-up first, then take-home pay is gross wages minus the displayed components. Monthly, biweekly and weekly figures are derived from annual take-home pay. FICA is Social Security at 6.2% on wages up to the $184,500 wage base (maximum $11,439), plus Medicare at 1.45% on all wages, plus Additional Medicare at 0.9% only on wages over $200,000 for a single filer or $250,000 for married filing jointly.
What is the Illinois income tax in 2026?
Illinois has a flat 4.95% income tax in 2026. A single filer on $75,000 pays $3,568 Illinois tax, $7,670 federal tax and $5,738 FICA, keeping $58,024 a year ($4,835 a month, $2,232 biweekly), for the 2026 tax year, filed in 2027, on wages.
Key takeaways
- Illinois taxes wages at a flat 4.95% in 2026, with no brackets and no standard deduction.
- The Illinois personal exemption is $2,925 per person claimed, but it is lost entirely if federal AGI is over $250,000 single or $500,000 joint.
- There is no local income tax in Illinois.
- Federal tax and FICA are charged separately from Illinois tax, on wages for the 2026 tax year, filed in 2027.
- The calculator covers wages only; it does not model credits, the Alternative Minimum Tax or self-employment tax.
Illinois income tax at a glance for 2026
| Item | 2026 figure for wages |
|---|---|
| Illinois rate | Flat 4.95% |
| Illinois standard deduction | None — Illinois has no standard deduction |
| Illinois personal exemption | $2,925 per person claimed, lost entirely over $250,000 single / $500,000 joint federal AGI |
| Local income tax | None in Illinois |
| Federal standard deduction | $16,100 single; $32,200 married filing jointly |
| Social Security wage base | $184,500, at 6.2% (maximum $11,439) |
What is the Illinois income tax rate in 2026?
Illinois has no tax brackets: every dollar of Illinois taxable income is taxed at the same flat rate of 4.95% for the 2026 tax year, filed in 2027, on wages. Illinois taxable income is wages minus the personal exemption of $2,925 per person claimed. There is no standard deduction to subtract first. If federal AGI is over $250,000 for a single filer or $500,000 for married filing jointly, the personal exemption is lost entirely, so the full wage amount is taxed at 4.95%.
What are the federal income tax brackets in 2026?
Federal taxable income is wages minus the federal standard deduction for the 2026 tax year, filed in 2027. Each rate applies only to the slice of taxable income inside that bracket. No head-of-household table is shown.
| Rate | Single: taxable income up to | Married filing jointly: taxable income up to |
|---|---|---|
| 10% | $12,400 | $24,800 |
| 12% | $50,400 | $100,800 |
| 22% | $105,700 | $211,400 |
| 24% | $201,775 | $403,550 |
| 32% | $256,225 | $512,450 |
| 35% | $640,600 | $768,700 |
| 37% | Over $640,600 | Over $768,700 |
How do I work out Illinois tax on $75,000 of wages?
Take a single filer with $75,000 of wages and 0 dependents, for the 2026 tax year, filed in 2027.
- Illinois taxable income: $75,000 − $2,925 = $72,075.
- Illinois tax: $72,075 × 4.95% = $3,568.
- Federal tax: $7,670, after the $16,100 federal standard deduction for a single filer.
- FICA: $5,738.
- Take-home pay: $75,000 − $7,670 − $3,568 − $5,738 = $58,024 a year.
How much take-home pay do I get in Illinois at every salary?
The table below is for a single filer, on wages, for the 2026 tax year, filed in 2027. Effective rate is total tax divided by gross wages.
| Gross | Federal | Illinois | FICA | Take-home | Effective | Monthly | Biweekly |
|---|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $1,340 | $2,295 | $24,945 | 16.9% | $2,079 | $959 |
| $50,000 | $3,820 | $2,330 | $3,825 | $40,025 | 20.0% | $3,335 | $1,539 |
| $75,000 | $7,670 | $3,568 | $5,738 | $58,024 | 22.6% | $4,835 | $2,232 |
| $100,000 | $13,170 | $4,805 | $7,650 | $74,375 | 25.6% | $6,198 | $2,861 |
| $150,000 | $24,734 | $7,280 | $11,475 | $106,511 | 29.0% | $8,876 | $4,097 |
| $200,000 | $36,734 | $9,755 | $14,339 | $139,172 | 30.4% | $11,598 | $5,353 |
How does Illinois tax compare with federal tax?
Illinois tax and federal tax are charged separately, on different taxable incomes, for the 2026 tax year, filed in 2027, on wages. Illinois tax is a flat 4.95% after the $2,925 per-person exemption, with no standard deduction. Federal tax is progressive, from 10% to 37%, after the $16,100 single or $32,200 joint standard deduction. FICA is a third, separate payroll charge. That is why the calculator shows all three, rather than a single combined rate.
What is not included in this calculator?
- Other credits, such as child or education credits.
- Local income tax — Illinois has none, so none is added.
- Alternative Minimum Tax (AMT).
- Self-employment tax, which applies to self-employed income rather than wages.
- Other paycheck deductions, such as retirement contributions or health insurance.
- The federal temporary $6,000 senior deduction for taxpayers aged 65 or over, which phases out above $75,000 single / $150,000 joint MAGI — see the FAQ below. It is not modelled and there is no 65+/blind toggle in this calculator.
- Note the exemption cliff: if federal AGI is over $250,000 single or $500,000 joint, the Illinois personal exemption is lost entirely, not reduced gradually. At $200,000 single, the exemption still applies.
Frequently asked questions
What does a flat Illinois income tax rate mean?
A flat rate means the same percentage applies to all Illinois taxable income. In 2026, Illinois taxes wages at 4.95% after the personal exemption, with no brackets that change the rate as income rises, for the 2026 tax year, filed in 2027, on wages.
Why is there no standard deduction in Illinois?
Illinois does not provide a standard deduction. Instead, Illinois taxable income is wages minus the personal exemption of $2,925 per person claimed, before the flat 4.95% rate is applied, for the 2026 tax year, filed in 2027, on wages.
What is the $2,925 Illinois personal exemption, and when is it lost?
The Illinois personal exemption is $2,925 per person claimed, so $5,850 for married filing jointly before dependents are counted. It is lost entirely if federal AGI is over $250,000 single or $500,000 joint. At $200,000 single, the exemption still applies.
Is there a local income tax in Illinois?
No. There is no local income tax in Illinois, so no city or county income tax is added in this calculator for the 2026 tax year, filed in 2027, on wages.
How is bonus pay taxed in Illinois?
Bonus pay counts as wages. It is included in annual wages and taxed in the same way as other wages: Illinois tax at the flat 4.95% rate after the personal exemption, plus federal tax and FICA, for the 2026 tax year, filed in 2027.
Do I have to file an Illinois tax return?
Whether you must file depends on your income, filing status and whether Illinois tax was withheld. Check the Illinois Department of Revenue's current filing requirements for the 2026 tax year, filed in 2027, before deciding.
Do Illinois tax rates change every year?
Tax rates, exemptions and thresholds are set for each tax year and can change. The figures on this page are for the 2026 tax year, filed in 2027, on wages, and should not be assumed to apply to another year.
Is there a larger deduction for taxpayers aged 65 or over?
There is a federal temporary $6,000 senior deduction for taxpayers aged 65 or over, which phases out above $75,000 single or $150,000 joint MAGI. It is explained here only: it is not modelled in this calculator, and there is no 65+/blind toggle.
How does Illinois compare with states that have no income tax?
States with no income tax charge 0% state income tax, while Illinois charges a flat 4.95% after the personal exemption. Federal tax and FICA still apply in every state, so the difference is in state tax only, for the 2026 tax year, filed in 2027, on wages.
Disclaimer and sources
Estimate only, not tax advice. All figures on this page are for wages for the 2026 tax year, filed in 2027. Sources cited by name: IRS Rev. Proc. 2025-32; Illinois Department of Revenue 2026 rates.