Illinois · 2026 tax year State-specific estimate

Illinois salary after tax calculator

Illinois levies a single flat income tax rate of 4.95% on all taxable income, offset by a personal exemption that phases out at higher incomes.

Gross Annual Salary

Filing Status

Single Married HOH

Adjust pre-tax deductions Optional

Traditional 401(k)

HSA Contributions

Health Insurance

Paycheck Breakdown

Pay Period	Gross Pay	Deductions	Take-Home Pay

Illinois estimate

Estimated take-home

0% Net Salary

Your estimate changes with filing status, Illinois rules, and the deductions you enter.

Take-Home: $0

Federal Tax: $0

IL State Tax: $0

FICA Taxes: $0

Pre-Tax Deductions: $0

Illinois State Income Tax Guide (2026)

Illinois levies a single flat income tax rate of 4.95% on all taxable income, offset by a personal exemption that phases out at higher incomes.

1. Illinois Flat Tax Rate

Illinois applies a single flat income tax rate of 4.95% to taxable income. Unlike progressive states, the same rate applies whether you are an entry-level worker or a high earner, which makes the calculation straightforward.

2. Deductions and Conformance

Illinois grants a personal exemption of $2,925 per filer rather than a standard deduction. Pre-tax 401(k) contributions, HSA contributions, and employer health premiums reduce your Illinois taxable income.

3. Local Taxes to Watch

Illinois grants a personal exemption ($2,925 single) that phases out entirely above $250,000 ($500,000 married).

Compare With Other Flat-Tax States

Illinois is one of several states using a flat income tax rate. Compare your take-home pay across flat-tax states: Pennsylvania (3.07%), Georgia (4.99%), North Carolina (3.99%), Arizona (2.5%), Colorado (4.4%), Michigan (4.25%), Indiana (3.05%), Iowa (3.8%), Kentucky (3.5%), Utah (4.55%), Mississippi (4.7%), Idaho (5.8%).

Compare Take-Home Pay Across States

Wondering how your income taxes compare to other states? Explore our detailed guides and paycheck calculators for other states:

Frequently Asked Questions

What is the Illinois income tax rate for 2026?

Illinois uses a flat income tax rate of 4.95% that applies to all taxable income regardless of how much you earn.

Does Illinois have a standard deduction?

Illinois does not use a traditional standard deduction. Instead it grants a personal exemption of $2,925 per filer, which phases out completely once income exceeds $250,000 (single) or $500,000 (married filing jointly).

Are 401(k) and HSA contributions deductible in Illinois?

Yes. Illinois conforms to federal adjusted gross income, so pre-tax 401(k), HSA, and health insurance contributions all reduce your Illinois taxable income.