Where your Illinois paycheck goes
Annual take-home versus federal, state, and FICA taxes.
Home / US Calculators / Paycheck by State / Illinois Paycheck
Paycheck & Tax
Illinois Paycheck Calculator
Enter your salary to estimate your Illinois take-home pay after federal income tax, Illinois state income tax, and FICA, broken down per paycheck for any pay schedule.
Take-home per paycheck
—
Gross annual pay—
Federal income tax—
Illinois state income tax—
FICA (Social Security + Medicare)—
Net annual take-home—
Same salary, different states
Estimated 2026 take-home on an $80,000 single salary, before local taxes. Illinois is highlighted.
How Illinois taxes your paycheck
Illinois taxes income at a flat 4.95%, after a personal exemption of $2,925 ($5,850 for couples). That is on top of federal income tax, Social Security (6.2% up to $184,500 of wages in 2026) and Medicare (1.45%, plus 0.9% on wages above $200,000), which are the same in every state.
Local taxes: Illinois has no local income taxes; Chicago does not tax wages.
Working across state lines: Illinois has a reciprocity agreement with Iowa, Kentucky, Michigan and Wisconsin. If you live in one of those states and work in Illinois, you can file an exemption form with your employer so only your home state's tax is withheld.
Worked example
A single filer in Illinois earning $80,000 a year, paid every two weeks with no pre-tax deductions: federal income tax is $8,770, Illinois income tax is $3,815 and FICA is $6,120, leaving $61,295 a year, or about $2,357 per paycheck. A married couple filing jointly on $120,000 keeps about $95,130 a year. Putting $5,000 into a traditional 401(k) would cut this single filer's federal tax to $7,670 and Illinois tax to $3,568.
Illinois take-home pay at different salaries (single, 2026)
| Salary | Federal tax | Illinois tax | FICA | Take-home | Per bi-weekly check |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $1,835 | $3,060 | $32,485 | $1,249 |
| $60,000 | $5,020 | $2,825 | $4,590 | $47,565 | $1,829 |
| $80,000 | $8,770 | $3,815 | $6,120 | $61,295 | $2,357 |
| $100,000 | $13,170 | $4,805 | $7,650 | $74,375 | $2,861 |
| $150,000 | $24,734 | $7,280 | $11,475 | $106,511 | $4,097 |
How Illinois compares
On an $80,000 single salary, Illinois take-home is about $61,295, $3,815 less than in Texas, which has no income tax, and $620 less than in California. The chart above shows Illinois next to Texas, California and New York on identical pay.
What this estimate includes
taxable income = salary − pre-tax deductions − standard deduction
federal tax = 2026 federal brackets (standard deduction $16,100 single / $32,200 married)
Illinois tax = 4.95% × state taxable income
FICA = 6.2% Social Security (to $184,500) + 1.45% Medicare (+0.9% over $200,000)
per paycheck = (salary − all taxes − pre-tax deductions) ÷ pay periods
federal tax = 2026 federal brackets (standard deduction $16,100 single / $32,200 married)
Illinois tax = 4.95% × state taxable income
FICA = 6.2% Social Security (to $184,500) + 1.45% Medicare (+0.9% over $200,000)
per paycheck = (salary − all taxes − pre-tax deductions) ÷ pay periods
Local taxes and state payroll programs mentioned above are not included, and your actual withholding also depends on your W-4 and any state withholding certificate. State figures are the 2026 rates and brackets published by Illinois, as compiled by the Tax Foundation.
Frequently asked questions
How much is taken out of an $80,000 paycheck in Illinois?
For a single filer in 2026, about $18,705 a year: $8,770 federal income tax, $3,815 Illinois income tax and $6,120 FICA, leaving $61,295, or $2,357 every two weeks. Local taxes are extra.
What is the Illinois income tax rate in 2026?
Illinois taxes income at a flat 4.95%, after a personal exemption of $2,925 ($5,850 for couples).
Are there local income taxes in Illinois?
Illinois has no local income taxes; Chicago does not tax wages.
Is take-home pay higher in Illinois or Texas?
Texas. With no state income tax, a single filer on $80,000 keeps about $65,110 in Texas against $61,295 in Illinois, a difference of $3,815 a year.
How can I lower the tax on my Illinois paycheck?
Pre-tax contributions to a 401(k), HSA or FSA lower federal and Illinois taxable income. On $80,000, a $5,000 traditional 401(k) contribution cuts federal tax to $7,670 and Illinois tax to $3,568.
Related calculators
Paycheck Calculators by StateTake-home pay in any of the 50 states, with a ranked comparison.
Federal Income Tax Calculator 2026Federal income tax for 2026 by bracket, with your effective rate.
W-4 Withholding CalculatorFederal tax withheld per paycheck from your W-4 settings.
Indiana Paycheck CalculatorIndiana take-home pay after federal tax, Indiana income tax and FICA.
Wisconsin Paycheck CalculatorWisconsin take-home pay after federal tax, Wisconsin income tax and FICA.
Iowa Paycheck CalculatorIowa take-home pay after federal tax, Iowa income tax and FICA.