Paycheck for Illinois (2026)
Illinois (IL) Key Facts
State Income Tax
4.95%
State Sales Tax
6.25%
Pay Frequency
Bi-weekly (most common)
Federal Withholding
Based on W-4 elections
How This Calculator Works in Illinois
This calculator estimates your net paycheck in Illinois accounting for federal taxes, FICA, and state income tax up to 4.95%. Enter salary and pay frequency to see take-home pay.
Illinois Overview
Paychecks in Illinois are subject to federal income tax, FICA (Social Security and Medicare), and state income tax at flat 4.95%. Illinois flat 4.95% rate makes paycheck withholding predictable. There is no city income tax in Illinois, unlike neighboring states.
How Illinois Compares
Illinois's 4.95% state income tax means smaller paychecks compared to Indiana (3.05%) and Wisconsin (7.65%). Differences compound over a full year.
| State | Top Rate | Notes |
|---|---|---|
| Indiana | 3.05% | Indiana has an income tax rate of 3.05%. |
| Wisconsin | 7.65% | Wisconsin has an income tax rate of 7.65%. |
| Missouri | 4.8% | Missouri has an income tax rate of 4.8%. |
Illinois's income tax rate of 4.95% compares to a national average of approximately 5.04%. This is below the national average.
Tips for Illinois Residents
- 1Illinois withholds state income tax at flat 4.95% from each paycheck, in addition to federal taxes.
- 2Illinois flat 4.95% rate makes paycheck withholding predictable. There is no city income tax in Illinois, unlike neighboring states.
- 3Maximize pre-tax contributions to 401(k), HSA, and FSA accounts to reduce both federal and state taxable income on every paycheck.
- 4Review your state W-4 or withholding form annually, especially after salary changes, marriage, or a new dependent.
- 5Compare net pay across pay frequencies: bi-weekly (26 checks) vs. semi-monthly (24 checks) to plan your budget accurately.
Frequently Asked Questions
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