Illinois Paycheck Calculator
Estimate your Illinois paycheck from annual salary (or hourly / per-check gross), frequency, filing status, and pre-tax deductions. State income tax is modeled as Illinois’s flat 4.95% rate with an exemption-allowance sketch, plus federal TY2026 and FICA. Click any i for detail.
Paycheck inputs
How do you get paid?
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Income mode
Annual salary, hourly wage, or gross per paycheck. |
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Annual salary ($)
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Annual salary
Yearly wage before taxes. |
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Hourly rate ($)
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Hourly rate
Base hourly wage. |
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Hours per week
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Hours per week
Typical scheduled hours. No overtime modeled. |
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Gross pay per paycheck ($)
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Gross per paycheck
Wages before taxes on one stub. |
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Pay frequency
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Pay frequency
How often you are paid. We annualize, then divide back per check. |
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Filing status
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Filing status
Used for federal brackets and state rules that differ for joint filers. |
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Pre-tax deductions / paycheck ($)
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Pre-tax deductions
401(k)/HSA-style amounts per check that reduce income-tax wages. FICA still uses full gross. |
How to use this calculator
- Choose annual salary, hourly wage, or gross per paycheck.
- Enter that income figure (and hours/week if hourly), then pay frequency.
- Select filing status and any pre-tax deductions per paycheck.
- Read estimated gross per check, taxes, and take-home pay.
Results explained
Enter annual salary (default), hourly wage, or gross per paycheck — we derive gross per check from that and your pay frequency. The headline is estimated take-home for one period after TY2026 federal income tax, Illinois state income tax (flat 4.95% sketch), and Social Security and Medicare.
Quick reference: TY2026 · IL
Federal pack is shared across Calcscape paycheck pages; state rows are specific to this URL.
| Item | Detail |
|---|---|
| Federal std. deduction (2026) | $16,100 single / $32,200 joint / $24,150 HOH |
| Social Security | 6.2% up to $184,500 wages |
| Medicare | 1.45% + 0.9% Additional Medicare above threshold |
| IL rate | Flat 4.95% |
| IL exemption allowance (approx.) | $2,775 single / $5,550 joint |
Chicago/local taxes and property-tax credit are not modeled. For a bonus, try the bonus tax calculator.
How the estimate is built
Annual gross = pay × periods. Federal taxable ≈ annual gross − pre-tax − federal standard deduction. Illinois taxable ≈ annual gross − pre-tax − exemption allowance. State tax ≈ 4.95% × Illinois taxable. FICA: 6.2% SS up to $184,500 + 1.45% Medicare. Per-check taxes = annual ÷ periods.
Example scenario
$3,200 biweekly, $200 pre-tax, single — annualize, subtract Illinois’s exemption-allowance sketch, apply 4.95% state tax, add federal liability ÷ 26 and FICA for net pay.
FAQ
Is Illinois still flat?
Yes. Illinois individual income tax is a flat 4.95% rate. This page uses an exemption-allowance sketch, not every IL credit.
Is this the same as my paycheck?
Not always. Employers use IRS Publication 15-T withholding methods, W-4 step settings, local taxes, benefits, and YTD FICA caps.
Do pre-tax 401(k) contributions reduce FICA?
Elective deferrals generally still face Social Security and Medicare. This calculator reduces income-tax wages only.
Tax year?
Tables are encoded for tax year 2026 (federal Rev. Proc. 2025-32 inflation adjustments and the Illinois pack noted on the page).