Paycheck Calculator — Illinois
Illinois uses a flat 4.95% income tax with no graduated brackets and no standard deduction. This page estimates an Illinois paycheck by adding the flat Illinois rate to 2026 federal income tax, Social Security, and Medicare; the small Illinois personal exemption is not modeled, so the state line runs slightly high.
2026 take-home pay estimate
Annual gross used: $85,000
Estimated take-home, per year
$64,420.00
- Net per year
- $64,420
- Take-home rate
- 75.8%
- Top federal rate
- 22%
- Paychecks / year
- 1
Annual deductions from gross
Estimate for the 2026 tax year using the federal standard deduction and published IRS/SSA rates. It does not model itemized deductions, tax credits, dependents, or local city taxes. Illinois applies a flat 4.95% rate. The Illinois personal exemption allowance is omitted, so this estimate runs slightly high. Not tax advice.
Illinois's flat 4.95% rate, no standard deduction
Illinois taxes income at a flat 4.95% with no graduated brackets and, unlike the federal system, no standard deduction. The flat Illinois rate is added on top of 2026 federal income tax, Social Security, and Medicare to estimate take-home pay.
Illinois does provide a small personal exemption, which this estimate does not model, so the state line here runs slightly high relative to an actual return. As with every state page, this is a 2026 estimate and not tax advice; local taxes, credits, and other deductions are not included.
Questions
- Does Illinois have a standard deduction?
- No. Illinois applies its flat 4.95% rate without a standard deduction. It does offer a small personal exemption, which this estimate does not model, so the Illinois state line runs slightly high compared with a filed return.
- Why might the Illinois state tax look a touch high here?
- Because the estimate applies the flat 4.95% without subtracting the small Illinois personal exemption. The real exemption would reduce the state tax modestly, so treat the Illinois line as a slightly conservative estimate.
More ways to use this calculator
Start with the main paycheck calculator or compare the other published scenarios.
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