Does Illinois have a flat or progressive income tax?

Illinois uses a flat income tax system. All residents pay the same 4.95% rate on their taxable income regardless of how much they earn, unlike states such as California which use progressive tax brackets.

Illinois Paycheck Calculator 2026 – Estimate Take Home Pay

ILLINOIS PAYCHECK CALCULATOR

Q: What is the Illinois state income tax rate in 2026?

Illinois uses a flat state income tax rate of 4.95% on all taxable wages in 2026, regardless of income level or filing status.

Q: What taxes are deducted from an Illinois paycheck?

Federal income tax, Social Security (6.2%), Medicare (1.45%), and Illinois state income tax (4.95%) are deducted from Illinois paychecks.

Q: How much will I take home on a $70,000 salary in Illinois?

On a $70,000 annual salary filing as Single in Illinois, you would pay approximately $7,014 in federal income tax, $5,355 in FICA taxes, and $3,345 in Illinois state income tax, resulting in an estimated take-home pay of around $54,286 per year or about $4,524 per month.

Our Illinois Paycheck Calculator 2026 helps employees estimate their take-home pay after federal income tax, Illinois state income tax, Social Security, and Medicare deductions. Illinois uses a flat state income tax rate of 4.95% on all taxable wages — meaning every Illinois worker pays the same rate regardless of how much they earn.

Use this free calculator to instantly estimate your Illinois net pay based on your gross salary or hourly wage, pay frequency, and filing status. Updated for 2026 federal tax brackets, standard deductions, and the current Illinois flat tax rate.

Want to compare with other states? Use our USA Paycheck Calculator or compare directly: California, Texas, Florida vs Illinois.

Calculate Net Pay

Gross Pay Amount ($) Rate Type Pay Frequency Filing Status

Take-Home Pay: $0

Federal Tax (Annual) $0

Social Security (Annual) $0

Medicare (Annual) $0

Illinois State Tax – 4.95% (Annual) $0

Net Take-Home (Annual) $0

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How Paycheck Taxes Work in Illinois

Illinois is one of a handful of U.S. states that uses a flat income tax system. Every Illinois worker pays the same 4.95% state income tax rate on their taxable wages, regardless of income level. This is different from states like California, which use progressive tax brackets where higher earners pay increasingly higher rates. Here is a full breakdown of Illinois paycheck deductions in 2026:

Federal Income Tax – Progressive rates from 10% to 37% based on taxable income and filing status
Social Security Tax – 6.2% on wages up to $176,100 (2026 wage base)
Medicare Tax – 1.45% on all wages; an additional 0.9% applies on wages over $200,000
Illinois State Income Tax – 4.95% flat rate on all taxable wages

Illinois State Income Tax Rate 2026

The Illinois flat income tax rate is 4.95% for 2026. This rate applies to all wages after subtracting the Illinois personal exemption allowance. The personal exemption for 2026 is $2,425 for Single and Head of Household filers and $4,850 for Married Filing Jointly. Illinois does not have a standard deduction like the federal system — only the personal exemption applies.

Unlike California's progressive tax (1%–13.3%) or New York's progressive tax (4%–10.9%), Illinois taxes all income at the same flat 4.95% rate — making tax calculations straightforward and predictable for workers at every income level.

Illinois 2026 Federal Tax Brackets

In addition to Illinois state income tax, federal income tax applies to all wages. The 2026 federal tax brackets for a single filer are:

10% on income up to $11,925
12% on income from $11,925 to $48,475
22% on income from $48,475 to $103,350
24% on income from $103,350 to $197,300
32% on income from $197,300 to $250,525
35% on income from $250,525 to $626,350
37% on income over $626,350

Married Filing Jointly and Head of Household filers have higher bracket thresholds. Use the calculator above to get your exact estimate.

Illinois vs Other States — How Much Do You Keep?

Compared to no-income-tax states like Florida, Texas, or Washington, Illinois workers pay an additional 4.95% in state income tax. However, Illinois is still more affordable than high-tax states like California (up to 13.3%) or New York (up to 10.9%). A worker earning $80,000 in Illinois pays roughly $3,960 in state income tax — compared to $7,440 in California at a comparable bracket.

Compare take-home pay in other states:
California Paycheck Calculator | Texas Paycheck Calculator | Florida Paycheck Calculator | Washington Paycheck Calculator

Illinois Paycheck Calculator FAQs

What is the Illinois state income tax rate in 2026?
Illinois charges a flat state income tax rate of 4.95% on all taxable wages in 2026, regardless of income level or filing status.

Does Illinois have a progressive or flat income tax?
Illinois uses a flat tax system — every worker pays the same 4.95% rate. There are no graduated brackets like in California or New York.

What taxes are deducted from an Illinois paycheck in 2026?
Federal income tax, Social Security (6.2% up to $176,100), Medicare (1.45%), and Illinois state income tax (4.95%) are deducted.

Does Illinois have SDI or disability insurance tax?
No. Illinois does not have a state disability insurance (SDI) tax deducted from employee paychecks.

How much will I take home on a $70,000 salary in Illinois?
On a $70,000 annual salary filing as Single, you would pay approximately $7,014 in federal income tax, $5,355 in FICA taxes, and $3,345 in Illinois state income tax, resulting in an estimated take-home pay of around $54,286 per year or about $4,524 per month. Use the calculator above for your exact figure.

Is Illinois a high-tax state?
Illinois is a mid-range tax state. Its flat 4.95% income tax rate is lower than California or New York but higher than no-income-tax states like Texas, Florida, or Washington.

Calculate your Illinois paycheck again: Illinois Paycheck Calculator 2026