Illinois Paycheck Calculator

Illinois's constitution (Article 9, Section 3) mandates a "non-graduated" income tax — meaning every filer pays the same rate regardless of income. A 2020 ballot measure to replace the flat tax with progressive brackets was rejected by voters 55–45%. The flat rate is currently 4.95%.

No. Unlike federal taxes and many other states, Illinois does not offer a standard deduction. However, Illinois does allow a personal exemption of $2,425 per person (2024), which reduces taxable income before the 4.95% rate is applied.

Yes — and Chicago does not have a personal income tax either. Illinois municipalities are not permitted to levy local income taxes on wages.

FICA (Federal Insurance Contributions Act) funds Social Security and Medicare. Employees pay 6.2% of wages toward Social Security (up to the $176,100 wage base in 2026) and 1.45% toward Medicare with no cap. These deductions apply in every state — they are federal, not state, taxes.

Gross pay is your salary or hourly wages before any deductions. Net pay (take-home pay) is what you actually receive after federal income tax, FICA, state income tax, and any voluntary deductions like health insurance or 401(k) contributions are withheld. This calculator shows both.