Illinois charges a flat 4.95% income tax after a $2,925 exemption per allowance. Enter your pay to see your 2026 take-home pay after state and federal taxes.
Estimate only, based on 2026 federal and Illinois rates. Your actual withholding depends on your W-4 and state forms. How we calculate.
Illinois uses one flat rate of 4.95% for everyone. Before the rate applies, each allowance you claim on Form IL-W-4 removes $2,925 of income in 2026. This calculator assumes one allowance for single and head of household filers and two for married couples.
Traditional 401(k) contributions are not taxed by Illinois when you earn them, so they also lower your state withholding.
Illinois has no state disability or paid leave payroll tax. Some cities, including Chicago, do not charge a local wage tax either, so state income tax is the only extra deduction beyond federal taxes.
| Item | 2026 amount |
|---|---|
| Flat rate | 4.95% |
| Exemption per allowance | $2,925 |
| Biweekly exemption | $112.50 per allowance |
| Local wage tax | None |
Yes. All wages are taxed at 4.95%, no matter how much you earn.
Each allowance on Form IL-W-4 is worth $2,925 for 2026, up from $2,850 in 2025.
No. Chicago and other Illinois cities do not tax wages.
Sources: Illinois Office of Comptroller Payroll Bulletin 1-26 (2026 exemptions); IRS Revenue Procedure 2025-32. Last updated November 4, 2026.