Illinois paycheck calculator

Take-home pay in Illinois after federal and Illinois income tax, Social Security, Medicare and your deductions, using the 2026 withholding rules.

State you live and work in

2026 rules for Illinois.

Pay

I'm paid

Salary (per year, before taxes)

How often you're paid

Your Form W-4

Filing status

Children under 17

$2,200 each in Step 3, if your income is $200,000 or less ($400,000 married filing jointly).

Other dependents

$500 each in Step 3.

Pre-tax and after-tax deductions

401(k) or 403(b) contribution

Traditional (pre-tax). Put a Roth contribution under after-tax deductions.

Health insurance, HSA and FSA

Pre-tax premiums and contributions through payroll; they also lower Social Security and Medicare.

After-tax deductions

Roth 401(k), union dues, garnishments.

More Form W-4 options

Step 2: two jobs, or married and your spouse works

Only if you checked the box in Step 2(c) of your W-4.

Step 4(a): other income (per year)

Step 4(b): deductions (per year)

From the W-4's Deductions Worksheet: tips, overtime, car loan interest, the senior deduction, itemizing.

Step 4(c): extra withholding

Take-home pay per paycheck

$1,829.41

$47,564.65 a year from $59,999.94 gross, 26 paychecks.

Gross pay, each deduction and take-home pay, per paycheck and per year
Item	Per paycheck	Per year
Gross pay	$2,307.69	$59,999.94
Federal income tax	−$193.08	−$5,020.08
Social Security	−$143.08	−$3,720.00
Medicare	−$33.46	−$870.00
Illinois income tax	−$108.66	−$2,825.21
Take-home pay	$1,829.41	$47,564.65

Taxes as a share of pay: 20.7%
Federal taxable wages (year): $59,999.94

Estimates for planning, not tax advice. Your employer's payroll may round differently, and your tax bill when you file can differ from what's withheld.

How Illinois taxes your paycheck in 2026

Illinois taxes wages at a flat 4.95% for 2026, after $2,925 for each allowance you claim on Form IL-W-4 (yourself, your spouse and each dependent). Traditional 401(k) contributions and pre-tax health premiums are not taxed. There are no employee-paid state payroll taxes and no local income taxes.

Income tax rate: 4.95% of taxable wages.

Exemptions: $2,925 for you, $2,925 for a spouse, $2,925 per dependent.
A traditional 401(k) lowers your Illinois taxable wages; pre-tax health premiums do.

City and county taxes

Illinois cities and counties do not tax wages.

What this calculator simplifies

We assume Form IL-W-4 line 1 claims 1 allowance for you, 1 for your spouse when married (assuming your spouse does not claim themselves on their own IL-W-4), and 1 per dependent, at $2,925 each. The extra $1,000 line 2 allowances for age 65+ or blindness are not included.
On the Illinois return the exemption allowance is not allowed above $250,000 of income ($500,000 married filing jointly). Withholding does not apply that limit, so high earners may owe more than is withheld.
This is withholding, not your final Illinois tax. Credits such as the property tax credit and the earned income credit are not reflected.

Sources

Illinois Department of Revenue: Booklet IL-700-T, 2026 Illinois Withholding Tax Tables
IRS Publication 15-T (2026) for federal withholding, and Publication 15 (2026) for Social Security and Medicare.

How every number is worked out is on the methodology page.