Illinois paycheck calculator 2026
Illinois withholds a flat 4.95% income tax on wages, after subtracting a fixed exemption amount based on the allowances an employee claims on Form IL-W-4.
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Federal tax on a bonus paid on its own check is a flat 22% (37% above $1M of bonuses in the year). Your W-4 doesn't change it.
Per paycheck. Calculating from gross pay → other amounts
No state income tax on wages here.
More W-4, deductions and employer settings
- Standard deduction $16,100 single, $32,200 married jointly, $24,150 head of household
- Social Security 6.2% up to $184,500 · Medicare 1.45% (+0.9% over $200,000)
- FUTA 0.6% on the first $7,000 · bonus withholding 22%
- 401(k) limit $24,500 ($32,500 at 50+, $35,750 at 60–63)
Paycheck breakdown
Employer taxes (on top of gross pay)
Where the employer's money goes
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Illinois payroll taxes and rules for 2026
Illinois withholds a flat 4.95% income tax on wages, after subtracting a fixed exemption amount based on the allowances an employee claims on Form IL-W-4. There is no state disability or paid-leave payroll tax in Illinois. Employers pay state unemployment insurance (SUI) on the first $14,250 of each employee's wages.
- Income tax
- 4.95% · Employee form: IL-W-4, Illinois Withholding Allowance Certificate
- The 2026 exemption allowance is $2,925 per allowance claimed on IL-W-4 Line 1 (self, spouse), plus $1,000 per additional allowance claimed on Line 2.
- Traditional 401(k)/403(b) deferrals and Section 125 cafeteria-plan premiums reduce Illinois taxable wages, since Illinois withholding follows the same wage base as federal income tax withholding.
- An employee can claim exempt below Line 4 of Form IL-W-4; Illinois withholding is then $0.
- An employee can also ask for a flat additional dollar amount withheld per pay period on IL-W-4 Line 3.
- Employer taxes
- State Unemployment Insurance (SUI): 3.35% new employer (3.45% for NAICS sector 56) Taxable wage base $14,250 for 2026. Experience rates range 0.75%-7.05%, which already include a 0.55% Fund Building Rate.
- Local taxes
- Illinois does not impose a statewide local income or payroll tax. A small number of home-rule municipalities have other local taxes, but none is a common, mandatory payroll withholding separate from state income tax.
- Bonuses
- Illinois has one flat withholding rate (4.95%) for all compensation, so employers apply the same 4.95% rate to supplemental wages (bonuses, commissions) as regular wages.
- Minimum wage 2026
- $15.00/hour Illinois minimum wage reached $15.00/hour on January 1, 2025, and the state has not scheduled a further statutory increase for 2026.
- Pay frequency
- Employers must pay wages at least semimonthly (twice a month); employees paid on commission may be paid monthly.
- Final paycheck
- At the time of separation if possible, and no later than the next regularly scheduled payday, for both involuntary and voluntary separations.
- New-hire reporting
- Within 20 days of the employee's first day of work.
- Reciprocity
- None. Illinois has no reciprocity agreements with bordering states for wage withholding.
Checked against official sources on October 5, 2026:
- Illinois Department of Revenue: 2026 Booklet IL-700-T, Illinois Withholding Tax Tables
- Illinois Department of Revenue: Withholding Income Tax forms
- Illinois Department of Employment Security: 2026 unemployment insurance contribution rates (EA-50)
- Illinois Department of Labor: Paid Leave for All Workers Act
Take-home pay in Illinois by salary
| Salary | Federal tax | FICA | Illinois taxes | Take-home / year | Per paycheck | Employer cost |
|---|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,835 | $32,485 | $1,249 | $43,579 |
| $60,000 | $5,020 | $4,590 | $2,825 | $47,565 | $1,829 | $65,109 |
| $80,000 | $8,770 | $6,120 | $3,815 | $61,295 | $2,357 | $86,639 |
| $100,000 | $13,170 | $7,650 | $4,805 | $74,375 | $2,861 | $108,169 |
| $150,000 | $24,734 | $11,475 | $7,280 | $106,511 | $4,097 | $161,994 |
Single filer, paid every two weeks, 2026 W-4 with no adjustments, default Illinois withholding settings, no 401(k) or benefits, new-employer unemployment rate. Illinois taxes include state income tax and employee-paid state programs; local taxes are not included unless the default setting includes them.
How the federal part works, step by step: the 2026 paycheck guide · Idaho · Indiana
Illinois paycheck questions
Does Illinois have a state disability or paid family leave payroll tax?
No. Illinois does not fund disability or paid-leave benefits through a payroll tax in 2026. The Paid Leave for All Workers Act requires employers to give eligible employees paid time off, but it is an employer-funded leave entitlement, not a state insurance program with a payroll deduction.
What counts as an allowance on Form IL-W-4?
Line 1 allowances cover the employee and, if not separately claimed, a spouse. Line 2 additional allowances cover things like being 65 or older, being legally blind, or anticipated itemized deductions.
Do 401(k) and cafeteria-plan deductions reduce Illinois withholding wages?
Yes. Illinois withholding wages follow the same base as federal withholding wages, so pre-tax 401(k)/403(b) deferrals and Section 125 cafeteria-plan deductions reduce the wages Illinois tax is calculated on.
What is the 2026 Illinois SUI wage base?
$14,250 per employee. New employers pay 3.35% (3.45% in NAICS sector 56); experience-rated employers pay between 0.75% and 7.05%.
How much is $60,000 a year after taxes in Illinois?
About $47,565 a year, or $1,829 every two weeks, for a single filer with no other W-4 adjustments in 2026. Federal income tax is $5,020, Social Security and Medicare $4,590, and Illinois taxes and payroll deductions $2,825.
What does a $60,000 employee cost an employer in Illinois?
$65,109 a year before benefits: the salary plus the 7.65% FICA match, federal unemployment (FUTA) and Illinois unemployment insurance at the new-employer rate of 3.35% on the first $14,250.
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