Illinois Paycheck Calculator
Estimate your Illinois take-home pay after federal income tax, Social Security, Medicare and Illinois' flat 4.95% state income tax.
Updated 2026-06-14 · Free · No sign-up · Runs privately in your browser
Show the formula & steps
Estimate for 2024 — federal/state rules change yearly. This does not include local/city taxes, pre-tax 401(k)/health deductions, credits, or other withholdings. For an exact figure, consult a tax professional or your payroll provider.
How Illinois Paycheck Taxes Work
Your Illinois paycheck is reduced by four taxes: federal income tax, Social Security, Medicare, and Illinois state income tax. Illinois keeps its state tax simple — a flat 4.95% rate that applies to every income level, because the Illinois Constitution requires a single non-graduated rate.
This calculator takes your annual gross salary, pay frequency, and filing status, applies the 2024 federal and Illinois rules, and shows your net take-home pay per pay period and per year, with an effective tax rate.
Federal Taxes
Federal income tax is progressive. Your gross salary is first reduced by the 2024 federal standard deduction ($14,600 single, $29,200 married filing jointly), and the remaining taxable income is taxed in brackets from 10% to 37%.
FICA taxes are flat:
- Social Security — 6.2% of wages up to the 2024 wage base of $168,600.
- Medicare — 1.45% of all wages, plus an extra 0.9% on wages above $200,000 (single; the threshold is $250,000 for married filing jointly).
Illinois State Income Tax
Illinois applies a flat 4.95% income tax. There is no standard deduction; instead, Illinois grants a personal exemption of $2,775 per filer for 2024 (so $5,550 for a married couple claiming two exemptions). The rate applies after that exemption:
Illinois tax = 4.95% × (gross salary − personal exemption)
This calculator uses the flat rate and personal exemption as a reasonable simplification; it does not model dependents, the property-tax credit, or other Illinois credits.
Worked Example
Take a $65,000 salary, filing single, paid biweekly:
- Federal income tax (2024 brackets) ≈ $6,141
- Social Security = 6.2% × 65,000 = $4,030
- Medicare = 1.45% × 65,000 = $943
- Illinois tax = 4.95% × (65,000 − 2,775) = 4.95% × 62,225 ≈ $3,080
- Total tax ≈ $14,194 → net annual ≈ $50,806
- Per biweekly paycheck: gross $2,500, net ≈ $1,954
- Effective tax rate ≈ 21.8%
Illinois Take-Home Pay by Salary
Annual net pay for a single filer, 2024 rules:
| Gross salary | Federal tax | Illinois tax (4.95%) | Net take-home | Effective rate |
|---|---|---|---|---|
| $40,000 | $2,816 | $1,843 | $32,281 | 19.3% |
| $50,000 | $4,016 | $2,338 | $39,821 | 20.4% |
| $65,000 | $6,141 | $3,080 | $50,806 | 21.8% |
| $75,000 | $8,341 | $3,575 | $57,346 | 23.5% |
| $100,000 | $13,841 | $4,813 | $73,696 | 26.3% |
| $120,000 | $18,339 | $5,803 | $86,679 | 27.8% |
Married filing jointly lowers federal tax and the state exemption doubles — a $65,000 MFJ salary nets roughly $53,253 a year.
Estimate for 2024 — federal/state rules change yearly. This does not include local/city taxes, pre-tax 401(k)/health deductions, credits, or other withholdings. For an exact figure, consult a tax professional or your payroll provider.
Frequently asked questions
Does Illinois have a state income tax?+
Yes. Illinois charges a flat 4.95% income tax on everyone, regardless of income level. The state constitution requires a single flat rate rather than graduated brackets, so a worker earning $40,000 and one earning $400,000 pay the same 4.95% rate.
What is the Illinois income tax rate?+
Illinois uses a flat 4.95% rate. It applies to your Illinois taxable income, which is your gross pay minus a personal exemption of $2,775 per filer for 2024 ($5,550 for a married couple filing jointly with two exemptions).
How much is take-home pay on $65,000 in Illinois?+
On a $65,000 salary filing single, expect about $6,141 federal income tax, $4,973 in Social Security and Medicare, and roughly $3,080 Illinois state tax. That leaves about $50,806 net per year, or around $1,954 per biweekly paycheck.
Does Illinois have a standard deduction?+
No. Illinois has no standard deduction; instead it gives a personal exemption ($2,775 per person for 2024) that lowers the income subject to the 4.95% flat rate. This calculator subtracts that exemption before applying the rate.
Is this Illinois paycheck estimate exact?+
It is a close 2024 estimate using the flat 4.95% rate and personal exemption. It does not include local taxes, pre-tax 401(k) or health deductions, credits, or other withholdings. For an exact figure, check your pay stub or payroll provider.