ILLINOIS · 2026

Illinois paycheck at 4.95%.

Illinois taxes individuals at a flat 4.95%. Chicago does not add a city income tax. The personal exemption is not subtracted in this flat-rate line.

How this rate is applied

Illinois is a flat 4.95% state. Chicago does not levy its own income tax, which is the comparison people draw with New York City. Tax Foundation lists an Illinois personal exemption of $2,925 for a single filer. This page does not subtract it, so the state dollars are a little high. Cook County sales tax is not withholding.

Single filer, $85,000, nothing deferred

Federal income tax is about $9,870 after the $16,100 standard deduction. The state line at 4.95% of the full wage is $4,208, and it is high on purpose if the state lets you claim a deduction we did not subtract. Social Security is $5,270 and Medicare is $1,232. A rough net is $64,420 before health premiums.

Federal brackets are the same in every state. Read them on the 2026 bracket page if the federal line looks surprising. The marginal rate is not the effective rate.

Questions

What is Illinois's income tax rate in 2026?

The state rate used on this page is 4.95%. It is applied to wages after a traditional 401(k) and before that state's own deductions.

Does this include local tax?

Only if you add it to the rate yourself. The pre-filled number is the state rate.

Sources

Reading the Illinois result

Illinois is 4.95% and Chicago does not add a city income tax. That is the comparison people draw with New York. The personal exemption, $2,925 for a single filer on the Tax Foundation table, is not subtracted here, so the state line is a little high. Cook County sales tax is not withholding.

On the wage this page opens with, $85,000, a single filer with no 401(k) owes about $9,870 in federal income tax after the $16,100 standard deduction. Social Security is $5,270 and Medicare is $1,232. The state line at 4.95% of $85,000 is $4,208. It is high if the state lets you claim a deduction this flat box does not subtract. A rough net is $64,420 before health premiums. Biweekly, that net is about $2,478.

Use the main calculator when the wage is not the one printed here

This page fixes the state setting so the common mistake, typing a guessed rate, is harder. The brackets, the wage base, and the 401(k) treatment are the same engine as the US paycheck calculator. Change filing status on the form rather than multiplying the single result by two. Married filing jointly has its own standard deduction and its own brackets. A second job is not modeled. Local tax is not modeled except where the paragraph above tells you to add a county or city rate yourself.