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Illinois pairs a simple flat income tax with a large, diversified economy anchored by Chicago, manufacturing, and agriculture. Median household income often tracks close to national averages. Tax conversations in Illinois frequently highlight high property taxes and pension funding pressures; the income tax itself is a flat 4.95% without graduated brackets. This page estimates federal tax, Illinois tax at 4.95% after the personal exemption, and FICA so you can benchmark take-home pay — not a substitute for Form IL-1040.
2026 federal + state brackets + FICA — updates as you type.
Not applied in this simplified model.
State tax uses your state's 2026 brackets, standard deduction, exemptions and credits for your filing status. City and county income taxes (for example NYC, Maryland counties, Ohio cities) are not included. FICA: Social Security 6.2% on wages up to $184,500 and Medicare 1.45% on all wages shown.
Illinois: 2026 flat 4.95% after the $2,925 personal exemption ($5,850 joint; none above $250,000 / $500,000 income). Dependent exemptions and Schedule CR credits are not modeled.
Federal brackets (2026 · Single)
Net take-home
$58,025
Total tax: $16,975
Effective rate
22.6%
Marginal rate
26.9%
Income position
Taxable income $58,900 relative to bracket scale (cap $691,848).
Rates: Illinois Department of Revenue, income tax rates and exemption allowance.
| Component | Rate / rule in calculator |
|---|---|
| State individual income tax | Flat 4.95% |
| Personal exemption | $2,925 single / $5,850 married filing jointly; none above $250,000 / $500,000 income |
| Standard deduction | None |
| Bracket structure | None — single flat rate |
Using this site’s engine: 2026 federal brackets and standard deduction, no 401(k)/IRA/HSA, Illinois tax = 4.95% × (wages − $2,925 exemption). "Fed + state" = (federal + state) ÷ gross. "Total w/ FICA" includes Social Security and Medicare.
| Gross income | Fed + state effective | Total w/ FICA |
|---|---|---|
| $50,000 | ~12.3% | ~20.0% |
| $100,000 | ~18.0% | ~25.6% |
Illinois uses a flat rate rather than multiple state brackets. Personal exemptions are an important part of the return — $2,925 per exemption for 2026, not allowed above $250,000 of income ($500,000 joint). The calculator includes your own exemption (two for married filing jointly) but not dependents or Illinois credits such as the state EITC. Property taxes are high in many Illinois counties; that affects housing costs but is separate from state income tax withholding on wages.
Illinois imposes a flat individual income tax rate of 4.95% on Illinois base income under current law. This calculator subtracts the 2026 Illinois personal exemption ($2,925 single, $5,850 married filing jointly) from income and applies 4.95% to the rest. Illinois does not use the federal standard deduction. It is not a full IL-1040 simulation.
Most retirement distributions (pensions, 401(k), traditional IRA withdrawals) are generally subject to Illinois income tax, though Illinois excludes certain income types (e.g. eligible retirement income under state rules). Roth qualified distributions and Social Security treatment depend on federal and state rules — confirm with Illinois Department of Revenue guidance or a tax professional.
A single flat rate is simpler than progressive states like California or New York, but 4.95% on a broad base can still mean meaningful state tax versus no-tax states like Florida or Texas. Border states Wisconsin, Iowa, Missouri, Indiana, and Kentucky each use different brackets or flat rates — run the same income in the all-states US tool to compare.
Illinois has no standard deduction. Instead, filers claim a personal exemption: $2,925 per person for 2026 ($5,850 for married filing jointly). The exemption is not allowed once income exceeds $250,000 ($500,000 joint). The calculator applies these amounts; for example, a single filer with $50,000 in wages pays about $2,330 in Illinois tax. Dependent exemptions and Schedule CR credits are not modeled.
If you are an Illinois resident, you generally file Illinois and report worldwide income subject to Illinois rules. If you live in another state but work for an Illinois employer, or vice versa, apportionment and reciprocal agreements may apply. Remote work has made multi-state situations common — use official residency rules or a CPA when states disagree.
For calendar-year filers, Illinois individual income tax returns are typically due April 15 following the tax year (or the next business day if April 15 falls on a weekend or holiday), aligning with the federal due date unless extended. Extensions to file may not extend time to pay tax due.
Educational estimates only. Not IRS or Illinois Department of Revenue advice.