Take home pay calculator for Illinois 2026

• A full year of wages at one salary, taxed as withholding rather than as a settled return.
• The federal figure applies the standard deduction for the filing status you pick. Itemising, credits and dependants are not modelled.
• Social Security stops at the yearly wage base. Medicare has no cap and includes the additional 0.9 percent above the threshold for your filing status.
• A pretax retirement contribution lowers income tax but not Social Security or Medicare, because those apply to wages.
• City, county and school district income taxes are not included anywhere on this site.
• Illinois tax is applied to income after any pretax contribution, with no state standard deduction, exemption or credit, because the data layer does not carry them. A filed return will usually come in lower.

Illinois charges 4.95 percent on net income and is not permitted to charge anything else, because the state constitution requires a single rate for everyone. A 2020 ballot measure that would have allowed graduated rates was rejected by voters.

The state grants a personal exemption for the filer and for each dependant, taken before the rate applies, and that is not modelled in the table. Retirement income is exempt from Illinois tax entirely, including pensions and distributions from a 401(k), so this page speaks only to wages. No Illinois municipality levies an income tax on earnings.

Illinois tax is applied to income after any pretax retirement contribution, so the 401(k) box moves the state line and the federal line at the same time. The payroll taxes do not move with it, because they are charged on wages before that deferral is taken. Social Security takes 6.2 percent up to $184,500 of wages, Medicare takes 1.45 percent with no limit, and a further 0.9 percent of Medicare applies above $200,000 for a single filer.