Illinois income tax in 2026
Illinois has a flat 4.95% income tax. Traditional 401(k) contributions lower your Illinois taxable income as well as your federal taxable income. Personal exemptions: $2,925 single, $5,850 married filing jointly, $2,925 per dependent.
Illinois rules and notes
- Flat 4.95% on net income (federal AGI with Illinois modifications); no standard deduction.
- Exemption allowance is $2,925 per person for tax year 2026 (up from $2,850 in 2025); it is not allowed if federal AGI exceeds $250,000 ($500,000 married filing jointly).
- An additional $1,000 exemption applies for each taxpayer/spouse who is 65 or older and for each who is legally blind.
- Social Security and most qualified retirement income (pensions, IRA/401(k) distributions) are excluded from Illinois income.
Illinois take-home pay by salary
Single filer, paid every two weeks, 2026 rules, standard deduction and no pre-tax deductions; includes Illinois income tax but not local taxes.
| Salary | Federal income tax | Social Security + Medicare | Illinois income tax | Take-home per year | Per bi-weekly paycheck |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,835 | $32,485 | $1,249.41 |
| $50,000 | $3,820 | $3,825 | $2,330 | $40,025 | $1,539.41 |
| $60,000 | $5,020 | $4,590 | $2,825 | $47,565 | $1,829.41 |
| $75,000 | $7,670 | $5,738 | $3,568 | $58,025 | $2,231.72 |
| $100,000 | $13,170 | $7,650 | $4,805 | $74,375 | $2,860.57 |
| $150,000 | $24,734 | $11,475 | $7,280 | $106,511 | $4,096.57 |
Hourly wages after taxes in Illinois
Full-time (40 hours a week, 2,080 hours a year), no overtime, single filer:
| Hourly wage | Annual pay | Weekly take-home | Bi-weekly take-home | Take-home per year | Take-home per hour |
|---|---|---|---|---|---|
| $15.00 | $31,200 | $497.11 | $994.21 | $25,850 | $12.43 |
| $20.00 | $41,600 | $647.91 | $1,295.81 | $33,691 | $16.20 |
| $25.00 | $52,000 | $798.71 | $1,597.41 | $41,533 | $19.97 |
| $30.00 | $62,400 | $949.51 | $1,899.01 | $49,374 | $23.74 |
Illinois vs. neighboring states
Take-home pay on a $75,000 salary (single, bi-weekly), with the difference from Illinois. Federal taxes are identical in every state, so the gaps come from state income tax. On a $75,000 salary, Illinois ranks #47 of 51 (50 states and DC) for take-home pay. Nationally, take-home pay on $75,000 ranges from $56,538 in Oregon to $61,593 in states without a wage tax; the median is $59,005.
| State | State income tax | Take-home per year | Per bi-weekly paycheck | vs. Illinois |
|---|---|---|---|---|
| Illinois | $3,568 | $58,025 | $2,231.72 | — |
| Indiana | $2,183 | $59,410 | $2,284.98 | +$1,385 |
| Iowa | $2,198 | $59,394 | $2,284.40 | +$1,370 |
| Kentucky | $2,507 | $59,085 | $2,272.50 | +$1,060 |
| Missouri | $2,588 | $59,005 | $2,269.42 | +$980 |
| Wisconsin | $2,944 | $58,649 | $2,255.73 | +$624 |
Neighboring state calculators: Indiana, Iowa, Kentucky, Missouri, Wisconsin. See all 50 states and DC on the national paycheck calculator.
How your Illinois paycheck is calculated
- Gross pay for the year is your salary, or your hourly wage × hours × 52 plus overtime at 1.5×.
- Pre-tax deductions such as a traditional 401(k), health premiums and HSA contributions are subtracted before federal income tax.
- Federal income tax uses the 2026 brackets, your filing status’s standard deduction ($16,100 single) and credits for children and other dependents.
- Social Security and Medicare take 6.2% (up to $184,500 of wages) and 1.45%.
- Illinois income tax is figured on the annual amount using the rules above, then divided across your paychecks.
We divide the annual totals by your number of paychecks, which is how a correctly completed 2026 Form W-4 is designed to withhold. Your employer’s withholding tables may differ by a few dollars per check. For your full-year tax bill, use the income tax calculator.
Frequently asked questions
How much is $75,000 a year after taxes in Illinois?
A single filer earning $75,000 in Illinois takes home about $58,025 a year in 2026, or $2,231.72 per bi-weekly paycheck. That is after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $3,568 of Illinois income tax. Pre-tax 401(k) or health deductions would lower your taxes but also your take-home pay.
Does Illinois have a state income tax?
Yes. Illinois has a flat 4.95% income tax in 2026. On a $75,000 salary, that works out to about $3,568 a year, or $137.22 per bi-weekly paycheck, an effective state rate of 4.76% of gross pay. Employers withhold it from each paycheck along with federal taxes.
How much is $20 an hour after taxes in Illinois?
Full time (40 hours a week), $20 an hour is $41,600 a year. After 2026 federal income tax, Social Security and Medicare and Illinois income tax, a single filer in Illinois takes home about $33,691 a year, or $1,295.81 per bi-weekly paycheck, about $16.20 per hour worked.
How does take-home pay in Illinois compare with nearby states?
On a $75,000 salary (single, bi-weekly), take-home pay is $58,025 a year in Illinois. In neighboring states it ranges from $58,649 to $59,410; Indiana (the highest nearby) is $1,385 higher. Federal taxes are the same everywhere, so the gap comes entirely from state income tax.
How much federal tax comes out of each paycheck on a $75,000 salary?
Federal taxes don’t depend on the state. For a single filer paid every two weeks on $75,000, about $295.00 of federal income tax, $178.85 of Social Security (6.2%) and $41.83 of Medicare (1.45%) come out of each 2026 paycheck, based on the $16,100 standard deduction. Children, pre-tax deductions and W-4 choices change the federal amount.