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

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Gross annual pay—

Federal income tax—

Illinois state income tax—

FICA (Social Security + Medicare)—

Net annual take-home—

Where your Illinois paycheck goes

Annual take-home versus federal, state, and FICA taxes.

Same salary, different states

Estimated net take-home on an $80,000 single salary. Illinois is highlighted.

Illinois paycheck, explained

A Illinois paycheck calculator shows what you actually keep from your salary after every mandatory withholding. Illinois charges a flat 4.95% state income tax on top of federal tax and FICA, so every dollar of taxable income above the personal exemption is taxed at the same rate regardless of how much you earn. This tool estimates federal income tax, Illinois state income tax, and FICA payroll tax, then divides your net pay across your chosen pay schedule.

Illinois's flat-rate system means your marginal and effective state tax rate are nearly identical, unlike progressive states where they diverge as income rises. Enter your gross salary above to see your Illinois take-home pay per paycheck.

Illinois income tax

Illinois uses a flat 4.95% income tax rate on taxable income. The state personal exemption is $2,925 for single filers and $5,850 for joint filers, which reduces the income subject to state tax.

Illinois has no local income taxes (Chicago and other cities do not levy a separate wage tax). Illinois does not tax Social Security retirement benefits.

The paycheck formula

A paycheck calculator works backward from your gross salary, removing every mandatory withholding to reveal your true take-home pay:

taxable income = gross salary − pre-tax deductions − standard deduction
federal tax = progressive federal brackets
Illinois tax = 4.95% flat rate on taxable income above the personal exemption
FICA = 6.2% Social Security (to cap) + 1.45% Medicare
net pay = gross − federal − state − FICA − pre-tax deductions
per paycheck = net pay ÷ number of pay periods

Worked example

Federal income tax is roughly $8,770, FICA is $6,120, and Illinois state income tax is about $3,815 at the flat 4.95% rate after the personal exemption. Net take-home is around $61,295 a year, close to $2,357 every two weeks on a bi-weekly schedule. Contributing to a 401(k) or HSA would lower both federal and state tax and raise the after-tax value of saving.

How Illinois compares

On the same $80,000 single salary, Illinois take-home is about $61,295 — $3,815 less than Texas's $65,110 (Texas has no state income tax), $221 less than California's $61,516, and about the same as New York's $61,315. The chart above shows how Illinois stacks up against those three benchmark states on identical pay.

Frequently asked questions

How much is taken out of a paycheck in Illinois?

On an $80,000 single salary, roughly $18,705 a year goes to federal income tax, Illinois state income tax, and FICA combined, leaving about $61,295 in take-home.

What is the Illinois state income tax rate?

Illinois has a flat state income tax rate of 4.95% on taxable income. The state personal exemption is $2,925 for single filers and $5,850 for joint filers, which reduces the income subject to state tax.

Does Illinois tax Social Security benefits?

Illinois does not tax Social Security retirement benefits.

Are there local taxes on top of Illinois state tax?

Illinois has no local income taxes (Chicago and other cities do not levy a separate wage tax).

How can I increase my Illinois take-home pay?

Contributing to pre-tax accounts like a 401(k), HSA, or FSA lowers your federal and Illinois taxable income, reducing withholding and raising the value of each dollar you save.

Is Illinois take-home pay higher or lower than Texas?

Lower. Texas has no state income tax, so on the same $80,000 salary a Texas resident keeps about $3,815 more than an Illinois resident.