Illinois income tax in 2026
Illinois charges a flat 4.95% on taxable income. Single filers subtract $2,925 in deductions and exemptions first ($5,850 for married couples filing jointly).
What to know about taxes in Illinois
Illinois must use a flat income tax under its constitution, currently 4.95% on almost all income after a small personal exemption. It is one of the few states that exempts retirement income, including pensions and Social Security.
- Chicago has no city income tax, but high sales and property taxes.
- The personal exemption phases out for high earners.
Largest cities: Chicago, Aurora, Naperville, Joliet.
Take-home pay in Illinois by salary
What common salaries look like after taxes in Illinois for a single filer.
| Salary | Take-home / year | Per month | Bi-weekly | Tax rate |
|---|---|---|---|---|
| $30,000 | $24,945 | $2,079 | $959 | 16.9% |
| $40,000 | $32,485 | $2,707 | $1,249 | 18.8% |
| $50,000 | $40,025 | $3,335 | $1,539 | 20.0% |
| $60,000 | $47,565 | $3,964 | $1,829 | 20.7% |
| $70,000 | $54,755 | $4,563 | $2,106 | 21.8% |
| $80,000 | $61,295 | $5,108 | $2,357 | 23.4% |
| $90,000 | $67,835 | $5,653 | $2,609 | 24.6% |
| $100,000 | $74,375 | $6,198 | $2,861 | 25.6% |
| $120,000 | $87,455 | $7,288 | $3,364 | 27.1% |
| $150,000 | $106,511 | $8,876 | $4,097 | 29.0% |
| $200,000 | $139,172 | $11,598 | $5,353 | 30.4% |
Where your taxes go
- Take-home pay$47,56579.3%
- Federal income tax$5,0208.4%
- Social Security$3,7206.2%
- Medicare$8701.5%
- Illinois income tax$2,8254.7%
- Federal income tax ($5,020). Charged on $43,900 of taxable income after the standard deduction, with a top rate of 12% on your last dollar.
- Social Security ($3,720). This 6.2% payroll tax builds your future Social Security retirement benefit.
- Medicare ($870). It funds hospital insurance for people aged 65 and over, at 1.45% of your pay.
- Illinois income tax ($2,825). Charged on $57,075 after state deductions, marginal rate 4.95%.
How Illinois compares with other states
Illinois ranks #44 of 51 for take-home pay on $60,000. The gap between the best state (Florida) and the worst (Oregon) is $4,401 a year.
Top 5, your state and bottom 5. Single filer, no pre-tax contributions.
How a 401(k) changes your paycheck
See how much of your paycheck a 401(k) really costs. Pre-tax contributions reduce federal and state income tax, but not Social Security or Medicare.
| Contribution | Saved per year | Take-home pay | Per month | Income tax saved |
|---|---|---|---|---|
| None | $0 | $47,565 | $3,964 | — |
| 3% | $1,800 | $46,070 | $3,839 | $305 |
| 6% | $3,600 | $44,575 | $3,715 | $610 |
| 10% | $6,000 | $42,582 | $3,548 | $1,017 |
| 15% | $9,000 | $40,090 | $3,341 | $1,526 |
Single vs married filing jointly
If you are married and your spouse has no income, filing jointly doubles the standard deduction and widens every bracket.
| Single | Married, one income | |
|---|---|---|
| Federal income tax | $5,020 | $2,840 |
| State income tax | $2,825 | $2,680 |
| Social Security + Medicare | $4,590 | $4,590 |
| Take-home pay | $47,565 | $49,890 |
Filing jointly would add $2,325 a year ($194 a month) to this household's take-home pay.
What this salary buys you
The 50/30/20 rule splits your monthly take-home pay of $3,964 into three buckets.
- $60,000 is 73% of the median household income in Illinois ($81,702).
- With the 30% rule, a comfortable rent is up to $1,500 per month.
- That is 1.9 times the Illinois minimum wage of $15/hour.
Frequently asked questions
Does Illinois have a state income tax?
Yes. Illinois uses a flat rate of 4.95% in 2026.
What is the income tax rate in Illinois?
Illinois uses a flat rate of 4.95% in 2026.
How much is $60,000 after tax in Illinois?
A single filer earning $60,000 takes home about $47,565 a year, or $3,964 per month.
What is the minimum wage in Illinois?
The minimum wage in Illinois is about $15 per hour.
How is my Illinois paycheck calculated?
We subtract federal income tax, Social Security (6.2%), Medicare (1.45%) and Illinois income tax from your gross pay.
Figures use 2026 IRS federal brackets, the standard deduction, Social Security and Medicare rates, and each state's income tax rules for a W-2 employee. Read our methodology. Last updated September 25, 2026. Estimates for information only, not tax advice.