Illinois Paycheck Calculator

📅Last updated: October 3, 2025

Calculate your take-home pay in Illinois with state and local taxes. Includes Illinois 4.95% flat tax and Chicago's 1.25% local tax for accurate withholding calculations. Perfect for salary planning, job offers, and tax preparation.

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Calculate Your Paycheck

Your Illinois Paycheck Breakdown

$2,169.57

Take-Home Pay (Bi-Weekly)

Gross Pay$2,884.62

Federal Income Tax-$320.81

Illinois State Tax (4.95%)-$137.51

Chicago Tax (1.25%)-$36.06

Social Security (6.2%)-$178.85

Medicare (1.45%)-$41.83

Total Deductions-$715.04

Annual Summary

Gross Annual:

$75,000

Net Annual:

$56,408.86

Tax Burden Analysis

Total Tax Rate:24.8%

Illinois Specific:6.0%

Illinois Tax Structure

State & Local Taxes 🏙️

Illinois State Tax4.95%

Flat tax rate for all income levels

• Personal exemptions available
• Standard deductions apply

Chicago Local Tax1.25%

Additional tax for Chicago residents

• Only applies to Chicago residents
• Other municipalities may vary

Federal Taxes Apply

Federal Income10-37%

Progressive tax brackets apply

• Based on filing status
• Standard deductions available

FICA Taxes7.65%

Social Security + Medicare

• Social Security: 6.2%
• Medicare: 1.45%

Illinois Paycheck Deductions Guide

Illinois Tax Formula

Net Pay = Gross Pay - All Tax Deductions

Illinois Taxes = State Tax (4.95%) + Local Tax (if applicable)

Total Rate = Federal + Illinois State + Local + FICA

Tax Components:

Illinois Specific

1
Illinois State Income Tax
4.95% flat rate after personal exemptions
2
Local Municipality Tax
Chicago: 1.25%, Others: 0-1%

Federal Requirements

3
Federal Income Tax
Progressive rates 10-37%
4
FICA Taxes
Social Security (6.2%) + Medicare (1.45%)

Important Considerations

⚠️ Tax Planning Notice

Illinois tax laws can be complex. This calculator provides estimates based on standard scenarios. Consult a tax professional for detailed planning.

🏙️ Location Matters

Local taxes vary significantly by municipality

• Chicago has highest local tax (1.25%)
• Some areas have no local tax
• Check your specific municipality

💼 Business Considerations

Payroll processing implications

• Multiple tax jurisdictions
• Quarterly filing requirements
• Employee location tracking

📊 Exemptions Available

Illinois offers various tax exemptions

• Personal exemptions reduce tax
• Dependent exemptions available
• Standard deduction benefits

⚖️ Legal Disclaimer

Professional advice recommended

• Tax laws subject to change
• Individual situations vary
• Consult tax professionals

Example Cases

Case 1: Chicago Professional

Input Parameters: Single, Chicago resident
Annual Salary: $80,000
Pay Frequency: Bi-weekly (26 pays)
Local Tax: Chicago (1.25%)

Bi-weekly Net: $2,050
Annual Take-home: $53,300
Total Tax Rate: ~33.4%
IL Taxes: $4,960 (6.2%)

Use Case: Chicago resident paying both state (4.95%) and local (1.25%) Illinois taxes on top of federal taxes.

Case 2: Suburban Illinois Family

Input Parameters: Married filing jointly
Combined Salary: $120,000
Pay Frequency: Monthly (12 pays)
Local Tax: No local tax

Monthly Net: $7,350
Annual Take-home: $88,200
Total Tax Rate: ~26.5%
IL State Tax: $5,706 (4.95%)

Use Case: Suburban family benefits from no local tax while still paying Illinois state tax, resulting in lower overall tax burden.

Frequently Asked Questions

How much are taxes in Illinois?

Illinois has a flat state income tax rate of 4.95%. Additionally, Chicago residents pay 1.25% local tax, while other municipalities may have varying rates. You also pay federal taxes, Social Security (6.2%), and Medicare (1.45%).

How is Illinois paycheck calculated?

Your Illinois paycheck is calculated by taking your gross pay and subtracting federal income tax, Illinois state tax (4.95%), local taxes (if applicable), Social Security tax (6.2%), and Medicare tax (1.45%). The remaining amount is your net take-home pay.

What is Chicago payroll tax?

Chicago has a local payroll tax of 1.25% on income earned within the city. This is in addition to Illinois state tax and federal taxes. If you work in Chicago, this tax is automatically deducted from your paycheck.

How accurate is this calculator?

This calculator provides estimates based on 2024 tax rates and standard deductions. Actual paycheck amounts may vary based on additional factors like pre-tax deductions (401k, health insurance), overtime pay, bonuses, or other income adjustments.

What local taxes apply in Illinois?

Besides Chicago's 1.25% tax, various Illinois municipalities have local income taxes ranging from 0.25% to 1%. The exact rate depends on where you work. This calculator includes options for Chicago and average rates for other municipalities.