Illinois Paycheck Calculator
Easily estimate take home pay after income tax so you can have an idea of what to possibly expect when planning your budget
Last reviewed on January 29, 2023
Income Before Tax
Take Home Pay
Average Tax Rate
$ = US Dollar
Income Before Tax
Federal Income Tax
State Income Tax
State Tax Credits
State Disability Insurance
State Paid Family and Medical Leave (PFML)
State Unemployment Insurance
State Worker Comp
State Transit Tax
Mental Health Services Tax
Local Income Tax
Take Home Pay
Average Tax Rate
Table of Contents
Enter your employment income into the paycheck calculator above to estimate how taxes in Illinois, USA may affect your finances. You'll then get your estimated take home pay, an estimated breakdown of your potential tax liability, and a quick summary down here so you can have a better idea of what to possibly expect when planning your budget.
This paycheck calculator also works as an income tax calculator for Illinois, as it shows you how much income tax you have to pay based on your salary and personal details.
To learn more about Illinois, its income tax, and tax brackets, so that you can get a deeper understanding of how your budget and finances may be affected, scroll down to the detail section below!
Frequently Asked Questions
What is the income tax rate in Illinois?
The state income tax rate in Illinois is under 5% while federal income tax rates range from 10% to 37% depending on your income. This paycheck calculator can help estimate your take home pay and your average income tax rate.
How many income tax brackets are there in Illinois?
The state income tax system in Illinois only has a single tax bracket. However, there are multiple tax brackets for federal income tax. For more details, check out our detail section.
How Your Illinois Paycheck Works
When you start a job in the Prarie State, you need to fill out a W-4 form for federal withholding and an IL-W-4 form for state withholding. Your employer will then withhold federal and state taxes from your gross pay based on these forms and other factors such as deductions and exemptions.
Your take-home pay will be lower than your gross pay because of these taxes. This is the amount that actually goes into your bank account or paycheck every pay period. You can use this amount to help estimate your budget and spending.
Illinois has a flat income tax of 4.95%, which means everyone’s income in Illinois is taxed at the same rate by the state. This is different from many other states that have progressive income tax systems, where higher earners pay higher rates.
As far as local income taxes, there aren't any, so as far as taxes go, you only have to worry about federal and state ones on your income.
The federal government taxes your income based on your filing status, taxable income, etc. In contrast to state tax, federal income tax is progressive and your income is split into multiple brackets where lower brackets are taxed at lower rates and higher brackets are taxed at higher rates.
In addition to federal and state income taxes, you will also pay FICA taxes for Social Security and Medicare. These are federal payroll taxes that fund these programs for retirees and disabled people. The Social Security tax rate is 6.2% and the Medicare tax rate is 1.45% for both employers and employees. Those earning high incomes may see an additional 0.9% Medicare surtax. Note that social security is only applicable on income up to up to $147,000 in 2022.
You may also have other items taken from your paycheck, such as health insurance premiums, retirement contributions, or garnishments. These items may be pre-tax or post-tax depending on their nature and your preferences.
One thing that is unique about Illinois is that it has a reciprocity agreement with some neighboring states: Iowa, Kentucky, Michigan, and Wisconsin.
This means that if you live in one of these states but work in Illinois, you do not have to pay Illinois state income tax on your wages earned in Illinois. Instead, you will pay state income tax to your home state only. This allows non-residents to avoid paying double taxes on their wages.
If this applies to you, you should be aware of Form IL-W-5-NR. You can file this form with your employer to request that no Illinois tax be withheld from your paycheck.
However, if you had Illinois tax withheld by mistake when it shouldn’t have been, don't worry, you can claim a refund by filing an Illinois tax return (Form IL-1040) and including Schedule NR for your nonresident status.
Looking towards the future, the income tax situation in Illinois may change due to past efforts of a proposed constitutional amendment that would replace the flat tax with a graduated tax system that would charge higher rates for higher incomes. This amendment was on the ballot in November 2020 but failed to pass by a narrow margin. However, some lawmakers and advocates are still pushing for this change as a way to address the state’s fiscal problems and make the tax system more fair and progressive.
When it comes time to file your taxes, you'll see that a state standard deduction exists in the form of a personal exemption and varies based on your filing status and income. High income earners earning over certain limits do not qualify for the personal exemption deduction though.
More From Investomatica:
For sales tax, please visit our Illinois Sales Tax Rates and Calculator page.
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- The content shown on this page is strictly for educational purposes only. It does not represent advice nor is it a substitute for a professional advisor.
- Estimated results are just estimates. They are not a guarantee of future results.
- While internal calculations are not rounded, all final resultant numbers are rounded normally with numbers ending in 0.5 and above being rounded up.
- Tax situations vary widely and calculations can get very complex. This paycheck calculator only provides a rough estimate according to the most common scenarios for standard employment income that comes from an employer. If you are self-employed, your taxes might differ.
- There may be additional deductions, credits, exemptions, allowances, reliefs, etc depending on many factors. Some factors are about your family such as the number of dependents, children, relatives, parents, etc. Other factors may include mortgage payments, property depreciation, charitible donations, additional voluntary retirement contributions, etc. Whether or not you are handicapped and/or disabled may also sometimes be an additional factor.
- Depending on region and jurisdiction, salary bonuses may be treated and taxed differently from standard salary.
- Calculators from other sites may show slightly different numbers due to different deductions/credits being included or they are based on data from a different year.
- Generally, we review changes once a year since tax codes usually change once a year. If you notice a major miscalculation or error with our paycheck calculator (most likely caused by a typo somewhere), feel free to direct message us on twitter and let us know. However, if you have specific questions about your own personal situation, please consult a licensed tax professional.
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