Illinois Paycheck Calculator
From gross salary to the number that actually hits your bank account
Illinois is one of a handful of states that uses a flat income tax, meaning every taxpayer pays the same percentage regardless of how much they earn. For tax year 2025, the Illinois state income tax rate is 4.95% — applied to nearly all taxable income after a personal exemption of $2,850 per allowance.
Unlike states with progressive brackets (where higher earners pay higher marginal rates), Illinois applies 4.95% uniformly. This simplifies the math but also means middle-income earners don't benefit from lower brackets. Compared to the nine states with no state income tax (like Texas, Florida, or Nevada), Illinois workers take home a bit less each paycheck.
Worked example — $75,000 annual salary:
- Gross salary: $75,000
- Illinois taxable income: $75,000 − $2,850 exemption = $72,150
- Illinois state income tax (4.95%): ≈ $3,571
- Federal income tax (est. single filer): ≈ $9,600
- FICA (Social Security + Medicare, 7.65%): ≈ $5,738
- Estimated take-home (net): ≈ $56,091/year, or about $4,674/month
These are estimates. Your actual withholding depends on your W-4 allowances, filing status, pre-tax deductions (401k, health insurance), and any local payroll taxes. Chicago does not levy a separate city income tax, so there is no additional local layer beyond the state rate.
Use this calculator to get a quick estimate of your net Illinois pay.
Practical example — Illinois
On a $75,000 salary in Illinois, expect to pay roughly $3,571 in state income tax (4.95% flat rate after the $2,850 exemption), leaving an estimated annual take-home of around $56,000–$58,000 after federal taxes and FICA are also deducted.
Calculator
Fill in the fields and click "Calculate" for instant results.
Embed this calculator on your site
Copy the code below and paste it into the HTML of your site or blog.
<iframe src="https://www.calcnimbus.com/embed/take-home-pay-calculator" width="100%" height="500" frameborder="0" style="border:1px solid #eee;border-radius:12px"></iframe>
❓ Frequently asked questions
Does Illinois have a state income tax?
Yes. Illinois imposes a flat state income tax of 4.95% on individuals for tax year 2025. There are no brackets — the same 4.95% rate applies to all income levels after the personal exemption ($2,850 per allowance).
How much is taken out of a paycheck in Illinois?
For a $75,000 salary, Illinois withholds approximately $3,571 per year (4.95% on income above the $2,850 exemption). On top of that, federal income tax (varies by filing status) and FICA taxes of 7.65% also apply. Total withholding could reduce a $75,000 gross salary to roughly $56,000–$58,000 in take-home pay annually, depending on deductions.
Does Chicago have a city income tax?
No. Unlike some large cities (such as New York City or Philadelphia), Chicago does not impose a separate city or local income tax. Illinois residents pay state income tax at 4.95% but no additional local income tax layer.
Is Illinois a high income tax state?
Illinois is mid-range. Its flat 4.95% rate is lower than California's top rate (13.3%) and comparable to states like Indiana (3.05%) or Michigan (4.25%). Because it's flat, lower earners pay the same percentage as millionaires — a common critique of the flat-tax system.
What is the Illinois personal exemption for 2025?
For tax year 2025, the Illinois personal exemption is $2,850 per allowance claimed on Form IL-W-4. This amount is subtracted from gross wages before the 4.95% state tax rate is applied, slightly reducing the taxable base.