Illinois Income Tax Calculator 2025/2026
Based on Tax Year 2025 brackets (for returns filed in 2026). Last updated: June 2026.
Estimate your Illinois federal and state income tax for Tax Year 2025.
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About Illinois income tax
Illinois uses a flat 4.95% state income tax — every dollar of taxable income is taxed at the same rate, regardless of how much you earn. Illinois does not offer a federal-style standard deduction; instead, a personal exemption of $2,850 per filer (and per dependent) reduces taxable income for Tax Year 2025. This flat structure makes Illinois more favorable for high earners (vs. a progressive state like California or New York) and less favorable for low earners (vs. a state with a 0% bottom bracket).
- Flat 4.95% rate on all taxable income (since 2017)
- $2,850 personal exemption per filer / dependent (Tax Year 2025)
- No standard deduction — uses personal exemption instead
- No municipal income tax (Chicago does NOT levy a local income tax)
- Property tax is among the highest in the U.S. — a key offset
Tax structure
Illinois uses a flat tax rate of 4.95% on taxable income. Illinois uses a flat 4.95% rate. Illinois does not allow a federal-style standard deduction; instead, a personal exemption of $2,850 per filer/dependent (Tax Year 2025) reduces taxable income.
Snapshot at $75,000 (single)
- Take-home: $57,601 per year
- Federal tax: $7,949
- State tax: $3,713
- Effective rate: 23.2%
- vs. Texas (no income tax): Illinois keeps $3,713 more.
Illinois take-home pay by salary (2025)
Single filer · federal + state + FICA. Use the calculator above for married, head of household, or other adjustments.
| Gross salary | Federal tax | State tax | FICA | Take-home (year) | Take-home (month) |
|---|---|---|---|---|---|
| $40,000 | $2,672 | $1,980 | $3,060 | $32,289 | $2,691 |
| $50,000 | $3,872 | $2,475 | $3,825 | $39,829 | $3,319 |
| $60,000 | $5,072 | $2,970 | $4,590 | $47,369 | $3,947 |
| $70,000 | $6,849 | $3,465 | $5,355 | $54,331 | $4,528 |
| $75,000 | $7,949 | $3,713 | $5,738 | $57,601 | $4,800 |
| $80,000 | $9,049 | $3,960 | $6,120 | $60,871 | $5,073 |
| $100,000 | $13,449 | $4,950 | $7,650 | $73,951 | $6,163 |
| $120,000 | $17,867 | $5,940 | $9,180 | $87,013 | $7,251 |
| $150,000 | $25,067 | $7,425 | $11,475 | $106,033 | $8,836 |
Common Illinois salaries after taxes
Single filer · federal + state + FICA, Tax Year 2025.
How much is $50,000 after taxes in Illinois?
A single filer earning $50,000 in Illinois takes home approximately $39,829 per year — that's $3,319 monthly, $1,532 per bi-weekly paycheck, or $766 weekly. Total tax burden is $10,172 (20.34% effective rate), broken down as federal $3,872, Illinois state $2,475, and FICA $3,825.
How much is $65,000 after taxes in Illinois?
A single filer earning $65,000 in Illinois takes home approximately $51,061 per year — that's $4,255 monthly, $1,964 per bi-weekly paycheck, or $982 weekly. Total tax burden is $13,939 (21.44% effective rate), broken down as federal $5,749, Illinois state $3,218, and FICA $4,973.
How much is $75,000 after taxes in Illinois?
A single filer earning $75,000 in Illinois takes home approximately $57,601 per year — that's $4,800 monthly, $2,215 per bi-weekly paycheck, or $1,108 weekly. Total tax burden is $17,399 (23.2% effective rate), broken down as federal $7,949, Illinois state $3,713, and FICA $5,738.
How much is $100,000 after taxes in Illinois?
A single filer earning $100,000 in Illinois takes home approximately $73,951 per year — that's $6,163 monthly, $2,844 per bi-weekly paycheck, or $1,422 weekly. Total tax burden is $26,049 (26.05% effective rate), broken down as federal $13,449, Illinois state $4,950, and FICA $7,650.
Illinois vs neighboring states at $75,000
Take-home pay on a $75,000 gross salary (single, Tax Year 2025).
Compare to other states
Illinois tax FAQ
How much is $75,000 after taxes in Illinois?
A single Illinois resident earning $75,000 takes home approximately $57,601 per year. Illinois levies a flat 4.95% state income tax, so the marginal and effective state rate are the same.
What is the Illinois income tax rate for 2025?
Illinois uses a flat 4.95% income tax rate for Tax Year 2025 — the same rate applies to every dollar of taxable income, regardless of filing status or income level. A $2,850 personal exemption per filer (and dependent) reduces taxable income before the 4.95% rate is applied.
Does Chicago have a local income tax?
No. Chicago does not levy a local income tax on residents or workers, unlike NYC, Philadelphia, or several Ohio cities. The Illinois flat 4.95% is the only state-level income tax most Chicagoans pay.
Are these the 2025 or 2026 tax brackets?
The calculator uses tax year 2025 federal brackets — the figures you'll use to file in early 2026. The IRS adjusts brackets annually for inflation; we update when 2026 figures are released.
Should I take the standard deduction or itemize?
Take whichever is larger. The 2025 standard deduction (as boosted by the One Big Beautiful Bill Act, July 2025) is $15,750 (single), $31,500 (married filing jointly), or $23,625 (head of household). Itemize if your mortgage interest, state and local taxes (capped at $10,000), and charitable donations exceed that amount.
Data sources: IRS Revenue Procedure 2024-40 (Tax Year 2025 federal brackets); Illinois Department of Revenue (state rates).