Illinois has a flat 4.95% state income tax on all income. See exactly what you take home after federal tax, state tax, Social Security, and Medicare.
Unlike California or New York, Illinois taxes all income at the same flat rate — 4.95% — regardless of how much you earn. There are no brackets to worry about. Illinois also provides a personal exemption of $2,425 (single) or $4,850 (married filing jointly) that reduces your state taxable income. Chicago and other Illinois cities do not add any local income tax.
Estimates only. Illinois flat rate: 4.95%. Personal exemption: $2,425 (single) / $4,850 (married). Consult a tax professional for advice.
| Gross Pay (this check) | $0.00 |
| Federal Income Tax | −$0.00 |
| Illinois State Tax (4.95%) | −$0.00 |
| Social Security (6.2%) | −$0.00 |
| Medicare (1.45%) | −$0.00 |
| Net Take-Home Pay | $0.00 |
Illinois has a flat 4.95% state income tax rate for 2026. This single rate applies to all taxable income regardless of how much you earn. Illinois is one of a handful of states that uses a flat tax rather than a progressive bracket system. The rate has been 4.95% since 2017.
Four taxes come out of an Illinois paycheck: federal income tax (progressive brackets, based on your W-4), Illinois state income tax (4.95% flat), Social Security (6.2% up to $184,500), and Medicare (1.45% on all wages). Chicago and all other Illinois cities do not add a local income tax.
No. Chicago does not have a local income tax on wages. Illinois law prohibits municipalities from imposing a local income tax. Chicago workers pay only federal tax and the 4.95% state rate — the same as workers anywhere else in Illinois.
Illinois's 4.95% flat rate sits in the middle of the Midwest. Indiana is lower at 3.15%, Michigan at 4.25%, and Wisconsin uses a progressive system that can reach 7.65%. Missouri has a top rate of 4.8%. Compared to Texas or Florida (no state tax), an Illinois worker earning $75,000 pays about $3,400 more per year in state income tax.
Illinois allows a personal exemption of $2,425 for single filers and $4,850 for married filing jointly couples. This amount is subtracted from your Illinois taxable income before applying the 4.95% rate. There is no Illinois standard deduction — only this personal exemption.
On a $75,000 salary paid biweekly ($2,885 per check), Illinois withholds approximately $134–$138 per paycheck in state income tax. On $100,000 ($3,846 per check), it's approximately $180–$185 per paycheck. The flat rate makes it straightforward: roughly 4.6–4.8% of each gross paycheck after the exemption is spread across pay periods.
Yes. The One Big Beautiful Bill (2026) only exempts overtime premiums and tips from federal income tax. Illinois still taxes overtime and tip income at the standard 4.95% rate. Use our Overtime Tax Calculator to see your combined federal savings and remaining Illinois tax on overtime.
Pre-tax 401(k) contributions reduce your federal taxable income, but Illinois does not allow the same deduction for state purposes. Illinois taxes 401(k) contributions at 4.95% in the year contributed — however, Illinois does not tax 401(k) distributions in retirement, which is a meaningful long-term advantage for Illinois retirees.