Your work. Your state. Your take-home.
Illinois paycheck calculator 2026
See what lands in your bank account. Estimate Illinois take-home pay after federal and state taxes and your benefits.
Your pay details
2026 tax yearEstimated take-home pay
Average per paycheck - every 2 weeks
Current 2026 rules projected over a full year.
This is a full-year average. Actual checks can change when Social Security or state wage caps are reached, or Additional Medicare withholding begins.
IRS, SSA and state agency rules, linked below.
Employee taxes and benefits shown separately.
Steady wages projected over a full year.
How Illinois taxes your paycheck
Illinois withholds state income tax at 4.95% after allowances recorded on Form IL-W-4. For 2026, each Line 1 allowance removes $2,925 of annual wages from the withholding calculation. Each Line 2 allowance removes a further $1,000.
Filing status alone does not determine the Illinois allowance count. This calculator starts with one Line 1 allowance and zero Line 2 allowances; change these to match your signed IL-W-4.
| Item | 2026 rule |
|---|---|
| Withholding rate | 4.95% |
| IL-W-4 Line 1 allowance | $2,925 annually per allowance |
| IL-W-4 Line 2 allowance | $1,000 annually per allowance |
These are employee payroll withholding rules. Your final income tax return may use different deductions, credits or rates.
Illinois take-home pay examples
Compare three salaries with the same calculator. These examples update with your filing status, pay frequency and benefits settings.
| Annual salary | Annual take-home | Average paycheck |
|---|---|---|
| $40,000.00 | $32,484.79 | $1,249.42 |
| $75,000.00 | $58,024.79 | $2,231.72 |
| $120,000.00 | $87,454.79 | $3,363.65 |
Single, biweekly pay, no 401(k), health premium or extra federal withholding, and the state defaults shown above.
Common paycheck questions
Why does my Illinois withholding differ from a simple 4.95% calculation?
IL-W-4 allowances reduce the wage base before the percentage is applied.
Does a married filing status automatically mean two Illinois allowances?
No. Enter the allowance counts on your IL-W-4; federal filing status does not replace that form.
How accurate is this Illinois paycheck calculator?
It estimates regular wages using official 2026 withholding rules and the assumptions shown. Bonuses, multiple jobs, credits, employer plans and year-to-date pay can change actual checks. Compare the result with your pay stub and withholding certificates.
Are my salary details stored?
No. The calculation runs in your browser. Your entries are not sent to a calculation server, saved to local storage or used for advertising.
Official sources & last update
Rules reviewed on October 23, 2026. The linked agencies publish the authoritative rules. This website independently implements them; it is not an agency service.
- Illinois DOR: 2026 IL-700-T formula
Retrieved 2026-10-23 - IRS Publication 15-T (2026), Worksheet 1A and annual standard withholding schedules
Retrieved 2026-10-23 - IRS Revenue Procedure 2025-32, sections 3.01 and 3.14 (2026 brackets and standard deduction)
Retrieved 2026-10-23 - SSA Contribution and Benefit Base, 2026 row
Retrieved 2026-10-23 - IRS Publication 15 (2026), sections 9 and 15 (FICA, Additional Medicare and traditional 401(k))
Retrieved 2026-10-23 - IRS qualified cafeteria-plan benefit tax treatment
Retrieved 2026-10-23 - IRS 2026 401(k) contribution limits
Retrieved 2026-10-23
Found a discrepancy? Compare the displayed assumption with the linked schedule and your pay stub. Until it is resolved, use your employer’s payroll calculation or consult a qualified tax professional.