Illinois Paycheck Calculator 2026
Illinois taxes wage income at a flat 4.95%, after the deductions and exemptions its withholding guidance applies. Federal withholding follows the IRS Publication 15-T percentage method — the one payroll systems use. Everything is computed in your browser; nothing you type is sent anywhere.
Works offline — your inputs never leave this device. How that works
Estimate only: this is an approximation, not a copy of Illinois's withholding tables. It annualizes your pay, subtracts your IL-W-4 allowances and applies the 4.95% rate. Your employer uses Booklet IL-700-T's own tables or automated formula with your actual IL-W-4 elections, so your withholding will differ. Use the Illinois Department of Revenue's own IL-700-T tables for an official figure.
Check against Illinois’s own withholding tables ↗
- Taxable: $65,000 − $0 deductions − $2,925 exemptions = $62,075
- Flat 4.95% → $3,073/year
- Estimate only: this is an approximation, not a copy of Illinois's withholding tables. It annualizes your pay, subtracts your IL-W-4 allowances and applies the 4.95% rate. Your employer uses Booklet IL-700-T's own tables or automated formula with your actual IL-W-4 elections, so your withholding will differ. Use the Illinois Department of Revenue's own IL-700-T tables for an official figure.
Verified 2026-07-31 against IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — section 1, Worksheet 1A and the 2026 Annual Percentage Method Tables for Automated Payroll Systems; FICA rates and wage base from IRS Publication 15 (2026) (effective 2026-01-01)
Verified 2026-07-31 against Illinois Department of Revenue — 2026 Booklet IL-700-T, Illinois Withholding Tax Tables (R-12/25), effective January 1, 2026 (effective 2026-01-01)
Estimate only — not legal, tax, or financial advice. Only Illinois's revenue agency can determine your actual amounts.
Official source: Illinois Department of Revenue — 2026 Booklet IL-700-T, Illinois Withholding Tax Tables (R-12/25), effective January 1, 2026 ↗
How this estimate is built
Estimate only: this is an approximation, not a copy of Illinois's withholding tables. It annualizes your pay, subtracts your IL-W-4 allowances and applies the 4.95% rate. Your employer uses Booklet IL-700-T's own tables or automated formula with your actual IL-W-4 elections, so your withholding will differ. Use the Illinois Department of Revenue's own IL-700-T tables for an official figure.
Illinois’s official withholding guidance ↗Illinois paycheck questions
How much is taken out of a paycheck in Illinois?
Federal income tax comes out under the IRS Publication 15-T percentage method, along with Social Security at 6.2% and Medicare at 1.45%. Illinois taxes wage income at a flat 4.95%, after the deductions and exemptions its withholding guidance applies. Enter your gross pay above for an estimate of the total.
What is the Illinois income tax rate for 2026?
Illinois taxes wage income at a flat 4.95%, after the deductions and exemptions its withholding guidance applies. The figure was transcribed from Illinois Department of Revenue — 2026 Booklet IL-700-T, Illinois Withholding Tax Tables (R-12/25), effective January 1, 2026 and verified on 2026-07-31. Because withholding tables and annual calculations differ slightly, treat the result as an estimate and check it against the state's own table.
Why does this differ from my actual pay stub?
Two reasons. Pre-tax items — retirement contributions, health premiums, HSA deductions — reduce taxable pay and are not modelled here. And this uses an annualized approximation of the state's schedule rather than the exact withholding tables your employer's payroll system uses, which is disclosed on every result.
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