Illinois Take-Home Pay Calculator: 4.95% Flat Tax (2026)

Illinois has a constitutionally mandated flat income tax of 4.95% — voters rejected a graduated-rate amendment in 2020. One bright spot: all retirement income is exempt. Estimate your 2026 take-home pay after federal tax, FICA, and Illinois tax below.

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Gross annual income

Filing status

Net annual pay

$74,375

Net monthly pay

$6,198

Net biweekly pay

$2,861

Tax breakdown

Category	Amount	% of income
Federal Income Tax	$13,170	13.2%
Social Security	$6,200	6.2%
Medicare	$1,450	1.5%
State Income Tax	$4,805	4.8%
Total tax	$25,625	25.6%

Effective tax rate: 25.6%. Marginal federal rate: 22.0%. Marginal state rate: 5.0% in Illinois.

Where your money goes

Estimates for informational purposes only — not tax advice. Excludes pre-tax contributions, credits, and local income taxes.

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See how Illinois's take-home pay ranks against another state.

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Example: take-home pay on common salaries in Illinois

Single filer, 2026 standard deduction, no pre-tax contributions or credits. Computed by the same engine as the calculator above.

Gross salary	Federal tax	FICA	Illinois tax	Net annual pay	Effective rate
$75,000	$7,670	$5,738	$3,568	$58,025	22.6%
$100,000	$13,170	$7,650	$4,805	$74,375	25.6%

How Illinois taxes your income in 2026

Every dollar of Illinois taxable income is taxed at 4.95%, the rate since 2017. Illinois's constitution requires a flat (non-graduated) income tax, and the 2020 ballot measure to allow graduated rates failed, so 4.95% applies equally to all earners. Instead of a standard deduction, Illinois provides a personal exemption of $2,925 per person ($5,850 for a married couple filing jointly), which modestly reduces taxable income.

All retirement income is exempt — but watch sales and property taxes

Illinois is one of the few states that exempt all retirement income: Social Security, pensions, and 401(k)/IRA distributions are completely untaxed, making it surprisingly retiree-friendly. No Illinois city levies a local income tax. The trade-offs come elsewhere: Chicago's combined sales tax tops 10%, among the highest of any U.S. city, and Illinois property taxes are consistently ranked second-highest in the nation.

What this calculator includes (and excludes)

This estimate covers federal income tax, FICA, and Illinois's 4.95% flat tax net of the $2,925 personal exemption. It does not model retirement-income exemptions, itemized deductions, property-tax credits, or other credits. Figures are estimates for planning purposes, not tax advice.

Frequently asked questions

What is the Illinois income tax rate in 2026? ▼

A flat 4.95% on taxable income. The Illinois constitution requires a flat rate, and voters rejected a 2020 amendment to allow graduated brackets.

Does Illinois have local or city income taxes? ▼

No. Neither Chicago nor any other Illinois municipality levies an income tax. The 4.95% state tax is the only income tax below the federal level.

Does Illinois tax Social Security or retirement income? ▼

No — Illinois exempts all retirement income, including Social Security, pensions, and IRA/401(k) distributions. It's one of the most retirement-friendly tax regimes in the country.

How much is $75,000 after taxes in Illinois? ▼

A single filer earning $75,000 pays roughly $3,568 in Illinois income tax and takes home about $58,025 per year after federal tax, FICA, and state tax, based on this calculator's 2026 estimates. See the example table above for details.

What is the Illinois personal exemption for 2026? ▼

$2,925 per person — $5,850 for a married couple filing jointly, plus $2,925 per dependent. Illinois uses exemptions instead of a standard deduction.

Data sources

Reviewed by the PayFigi research team. Last verified: 2026-07-27. These figures are estimates for informational purposes only and are not tax advice; consult a tax professional for advice specific to your situation.