Illinois Paycheck Calculator
Illinois paycheck calculator: estimate take-home pay after federal tax, FICA and Illinois's 4.95% flat state income tax.
Editorial review: Farrow (pseudonym; identity and professional credentials are not disclosed). This page is for educational purposes, not professional advice.
Your inputs
Results update as you type. Nothing you enter leaves your device.
Results
- Gross per paycheck
- $2,500.00
- Federal income tax
- $201.15
- Illinois state tax (4.95%)
- $117.56
- FICA (SS + Medicare)
- $191.25
- 401(k)
- $125.00
Example with the starting values
These results use the calculator's initial inputs. Change the values above to calculate your own estimate.
Inputs
- Annual gross salary
- 65000 $
- Pay frequency
- Every two weeks (26)
- Filing status
- Single
- 401(k) contribution
- 5 %
- Pre-tax health premium per check
- 0 $
Results
- Take-home pay per paycheck
- $1,865.03
- Gross per paycheck
- $2,500.00
- Federal income tax
- $201.15
- Illinois state tax (4.95%)
- $117.56
- FICA (SS + Medicare)
- $191.25
- 401(k)
- $125.00
How does the Illinois Paycheck Calculator work?
Illinois charges a flat 4.95% state income tax on wages, with no local income tax in most areas, so this uses that fixed rate instead of brackets.
Federal income tax uses the 2026 IRS brackets and standard deduction, and FICA is 6.2% Social Security (up to the wage base) plus 1.45% Medicare.
Traditional 401(k) contributions and pre-tax health premiums reduce both federal and Illinois taxable wages.
For example, a $65,000 salary paid biweekly with a 5% 401(k) contribution comes out to about $1,865 take-home per check, out of $2,500 gross, with $118 of that check going to the 4.95% state tax.
Sources
Frequently asked questions
What is the Illinois state income tax rate?
A flat 4.95% on taxable income, with no tax brackets.
Does Chicago have a local income tax?
No. Illinois has no city or county income tax, only the flat state rate.
Do 401(k) contributions lower my Illinois tax?
Yes. Illinois follows the federal treatment of traditional 401(k) contributions, excluding them from taxable wages.
Does Illinois tax Social Security or retirement income?
No. Illinois exempts Social Security benefits and most retirement income from state income tax.
Can I use this as a general Illinois salary calculator?
Yes. Beyond showing Illinois take home pay, it works as an Illinois salary calculator for any gross pay, and the il paycheck tax math stays the same flat rate at every income level.