Illinois income tax
The rate is a flat 4.95%. Illinois has no standard deduction. Instead, each person gets a personal exemption of $2,925 in 2026. A spouse and each dependent get one too.
Salary & tax tools
Illinois Paycheck Calculator
Estimate your Illinois take-home pay for 2026. Enter a yearly salary, or an hourly wage with your shift schedule, to see your pay after federal income tax, Social Security, Medicare, and Illinois's flat 4.95% income tax.
Enter your pay details
How are you paid?
Enter your pay before taxes.
The estimate counts 52 paid weeks a year. If your employer pays a night or weekend bonus, add it to your hourly wage.
Simple estimate: Uses 2026 federal tax rates, the federal standard deduction, and Illinois's flat 4.95% tax after the $2,925 exemption. Federal child credits are not included.
Your estimated paycheck
Estimated take-home pay per paycheck
$1,829.41
Paid every 2 weeks · after all estimated taxes
Gross pay$2,307.69
Pre-tax deductions$0.00
Federal income tax$193.08
Social Security$143.08
Medicare$33.46
Illinois income tax$108.66
Estimated yearly take-home$47,564.79
Estimated monthly take-home$3,963.73
Taxes and payroll deductions take about 20.7% of your gross pay.
This is an estimate, not exact payroll withholding. Your W-4, IL-W-4, benefits, credits, and employer deductions can change your real paycheck.
How much is $60,000 after taxes in Illinois?
A single worker in Illinois earning $60,000 a year takes home about $47,565 a year. That is about $3,964 a month, or $1,829.41 every two weeks, with no 401(k) or benefit deductions. Taxes and payroll deductions take about 20.7% of gross pay. Use the calculator above for your own numbers.
How to use this Illinois paycheck calculator
- Choose how you are paid. Select Salary for a fixed yearly amount, or Hourly / shifts if you are paid by the hour.
- Enter your gross pay. Type your yearly salary. For hourly work, enter your wage and hours per week, or tap a shift schedule such as 3 × 12-hour shifts.
- Pick your pay frequency and filing status. Match them to your pay stub and your tax return.
- Add savings and benefits. Enter your 401(k) percent, your pre-tax benefits per paycheck, and any dependents.
- Read your estimate. See your take-home pay for one paycheck, one month, and one year.
Tip: select the small i button next to any label to see a simple explanation.
How Illinois paychecks are taxed
Illinois has a flat income tax. That means everyone pays the same rate, no matter how much they earn. Most Illinois workers see three taxes on a pay stub: federal income tax, FICA, and Illinois income tax.
Federal income tax
The calculator subtracts the 2026 federal standard deduction ($16,100 single, $32,200 joint, $24,150 head of household) and applies the 2026 brackets from 10% to 37%.
Social Security and Medicare
Social Security is 6.2% of pay up to $184,500. Medicare is 1.45% of all pay, plus 0.9% on pay above $200,000.
What Illinois does not take out of your paycheck
Illinois cities and counties, including Chicago, do not charge a local income tax on wages. Illinois also has no state disability insurance tax and no employee-paid unemployment tax. Employers pay unemployment tax themselves.
How the Illinois exemption works
Your Illinois tax is 4.95% of your pay after pre-tax deductions and your exemptions. A single worker gets one $2,925 exemption. A married couple filing jointly gets two. Each dependent adds one more. The exemption is removed when federal income is above $250,000 (single) or $500,000 (joint).
Illinois take-home pay by salary (2026)
This table shows an estimate for a single worker paid every two weeks. It has no 401(k), benefit, or dependent deductions.
| Yearly salary | Gross per paycheck | Illinois tax per paycheck | Total tax rate | Take-home per paycheck | Take-home per month |
|---|---|---|---|---|---|
| $35,000 | $1,346.15 | $61.07 | 18.0% | $1,104.41 | $2,392.90 |
| $45,000 | $1,730.77 | $80.10 | 19.4% | $1,394.41 | $3,021.23 |
| $60,000 | $2,307.69 | $108.66 | 20.7% | $1,829.41 | $3,963.73 |
| $75,000 | $2,884.62 | $137.22 | 22.6% | $2,231.72 | $4,835.40 |
| $100,000 | $3,846.15 | $184.82 | 25.6% | $2,860.57 | $6,197.90 |
| $125,000 | $4,807.69 | $232.41 | 27.5% | $3,486.95 | $7,555.07 |
Total tax rate includes federal tax, Social Security, Medicare, and Illinois tax.
Illinois pay for 12-hour shifts and overtime
Illinois follows a weekly overtime rule. Hours over 40 in one workweek are paid at 1.5 times your regular rate. Illinois does not require overtime after 8 or 12 hours in a single day. This matters for shift workers such as nurses, factory workers, and security staff.
| Schedule | Hours per week | Overtime hours | Gross pay per week at $25 an hour |
|---|---|---|---|
| 5 × 8-hour shifts | 40 | 0 | $1,000.00 |
| 4 × 10-hour shifts | 40 | 0 | $1,000.00 |
| 3 × 12-hour shifts | 36 | 0 | $900.00 |
| 4 × 12-hour shifts | 48 | 8 | $1,300.00 |
| 5 × 12-hour shifts | 60 | 20 | $1,750.00 |
Overtime is paid at 1.5 times the hourly wage, which is $37.50 an hour in this example.
For example, a worker who earns $30 an hour and works four 12-hour shifts a week gets $1,560 gross pay each week. That is $1,200 for 40 regular hours plus $360 for 8 overtime hours. Over a year that is $81,120 gross, or about $62,027 take-home for a single worker with no other deductions. Tap "4 × 12-hour shifts" in the calculator to try it. To work out your overtime pay in more detail, use our overtime pay calculator.
Illinois minimum wage and hourly pay
The Illinois minimum wage is $15.00 an hour for most adult workers. Chicago and Cook County have their own higher local minimums, so check the current rate where you work. A full-time worker at $15.00 an hour earns about $31,200 a year before tax ($15 × 40 hours × 52 weeks). To turn an hourly wage into a yearly salary first, use our hourly to salary calculator.
What this calculator does not include
This is a quick estimate, not a payroll run. It does not include federal child tax credits, itemized deductions, bonuses taxed at special withholding rates, night or weekend pay bonuses, or the extra $1,000 Illinois exemption for age 65 or blindness. If you are self-employed, you pay self-employment tax instead of payroll tax, so start with the freelance rate calculator. Federal workers can use the federal employee paycheck calculator. To see how other states compare, try the California, Texas, and Florida paycheck calculators.
Tax rules change. This estimate is for education only and is not tax, legal, or payroll advice. For a closer estimate, use the IRS Tax Withholding Estimator or ask a tax professional.
Illinois paycheck calculator FAQs
Does Illinois have state income tax?
Yes. Illinois has a flat state income tax of 4.95% for 2026. Everyone pays the same rate on income after their exemptions. Illinois cities and counties do not add a local income tax on wages.
How much is $60,000 after taxes in Illinois?
A single worker earning $60,000 a year takes home about $47,565 a year after federal income tax, Social Security, Medicare, and Illinois tax. That is about $3,964 a month, or $1,829.41 every two weeks.
What is the Illinois personal exemption for 2026?
The Illinois exemption is $2,925 per person in 2026. You get one for yourself, one for a spouse on a joint return, and one for each dependent. There is no separate standard deduction in Illinois.
Does Chicago have its own income tax?
No. Chicago does not charge a city income tax on wages. Chicago workers pay federal tax, Social Security, Medicare, and Illinois state tax.
How is overtime paid in Illinois?
Illinois requires overtime at 1.5 times your regular rate for hours over 40 in a workweek. Most employees who are paid hourly qualify. There is no daily overtime rule, so a 12-hour shift is not overtime by itself.
How much do I make on 12-hour shifts in Illinois?
It depends on your wage and how many shifts you work. At $30 an hour, three 12-hour shifts is 36 hours and $1,080 a week. Four 12-hour shifts is 48 hours, which includes 8 overtime hours, and pays $1,560 a week before tax.
What is the minimum wage in Illinois?
The Illinois minimum wage is $15.00 an hour for most adult workers. Chicago and Cook County have higher local minimums, so check the rate for where you work.
How do 401(k) and pre-tax benefits change my Illinois paycheck?
A traditional 401(k) lowers the pay used to figure federal and Illinois income tax. Health insurance paid before tax also lowers Social Security and Medicare tax. Your take-home pay falls by less than the amount you set aside.
How accurate is this Illinois paycheck calculator?
It is a close estimate for most employees who use the standard deduction. It uses 2026 tax rates. It does not include federal child credits, bonuses, or shift pay bonuses, so your real paycheck may differ.
Why is my real paycheck different from this estimate?
Your employer figures withholding from your Form W-4 and your Illinois Form IL-W-4. Benefits, extra withholding, bonuses, and credits can all change your net pay. This calculator shows a simple estimate of the taxes you owe on your pay.
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Designed & developed by
Syed Osama
Syed Osama is a digital publishing specialist who builds career metrics, financial calculators, and interactive web tools. He focuses on developing practical calculation resources to help remote workers, freelancers, and professionals make quick, accurate financial estimations.