Gera Tools

Illinois Paycheck Calculator

Calculate your exact Illinois take-home pay after all state and federal deductions.

Estimates net pay for Illinois workers using the state's flat 4.95% income tax and personal exemption, the 2025 federal income tax brackets and standard deduction, and Social Security and Medicare (FICA).

What is Illinois's income tax rate?

Illinois charges a single flat rate of 4.95% on net taxable income for all filers, regardless of income level. There are no graduated brackets, so a higher salary is taxed at the same state rate as a lower one.

Illinois is unusual among large states because it taxes wage income at a single flat rate of 4.95% rather than using graduated brackets. That makes your state tax easy to predict, but your real take-home pay still depends heavily on federal income tax and FICA (Social Security and Medicare), which together remove far more than the state does. This calculator combines all of them — federal, Illinois state, Social Security and Medicare — to estimate what actually lands in your bank account each pay period.

How it works

The calculator annualises your gross pay, then computes each deduction in turn:

  1. Pre-tax deductions. Traditional 401(k) contributions are subtracted from gross pay before income tax, lowering both federal and Illinois taxable income.
  2. Federal income tax. Applies the 2025 federal standard deduction for your filing status, then the federal brackets (10% to 37%) to the remaining taxable income.
  3. Illinois state tax. Subtracts the Illinois personal exemption (about $2,850 per claimed exemption for 2025), then applies the flat 4.95% rate to what remains.
  4. FICA. Social Security at 6.2% on wages up to the annual wage base, and Medicare at 1.45% on all wages.

The annual net is then divided back down to your chosen pay frequency.

Tips and example

For a single filer earning $60,000 a year with one exemption and no 401(k), Illinois subtracts the $2,850 exemption and taxes the remaining $57,150 at 4.95% — about $2,829 in state tax. Federal tax and the flat 7.65% FICA take a larger share, so total take-home lands in the high $40ks annually.

Claiming a 401(k) percentage lowers both your federal and Illinois income tax (but not FICA). Remember this is an estimate: health insurance premiums, HSA contributions and extra voluntary withholding will further reduce your real paycheck, and the Illinois exemption phases out above roughly $250,000 ($500,000 joint).