Illinois Take-Home Pay Calculator

Illinois take-home pay starts with your gross wages, then subtracts federal income tax, Social Security, Medicare, Illinois state income tax, and any optional deductions you enter.

Federal income tax depends on income, filing status, pay frequency, and withholding choices. Social Security and Medicare are federal payroll taxes, and Illinois has a flat state income tax rate of 4.95%.

Your actual paycheck can still vary because of benefits, retirement contributions, health insurance, pre-tax deductions, garnishments, bonuses, overtime, and employer payroll settings.

• Start with annual gross pay or hourly earnings.
• Estimate simplified federal income tax.
• Subtract Social Security up to the 2026 wage base of $184,500.
• Subtract Medicare on all wages.
• Add Additional Medicare Tax above the simplified high-income threshold when applicable.
• Estimate Illinois state income tax at 4.95%.
• Subtract any optional deductions entered in the calculator.

Illinois has a flat state income tax rate of 4.95%. That means the same state income tax rate generally applies regardless of whether you earn hourly wages, a salary, or overtime.

Your actual withholding may still vary based on exemptions and payroll setup. This calculator focuses on federal payroll taxes plus Illinois state income tax; local or employer-specific payroll items can still change your actual paycheck.

Illinois does not have a California-style SDI payroll deduction in this calculator, and the estimate does not add an employee unemployment insurance deduction.

Your actual Illinois paycheck may differ because of federal withholding choices, pre-tax benefits, retirement contributions, health insurance, bonuses, overtime, garnishments, and employer-specific payroll settings.

For Illinois, compare the estimate with your paystub if you have employer benefits, garnishments, or special payroll items that are not part of the flat state tax calculation.