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Illinois Paycheck Calculator
Generate paystubs with accurate IllinoisState Tax Withholding Calculations.
Illinois Paycheck Calculator
Illinois law requires employers to withhold state income tax from every paycheck, and the rate is flat: 4.95% for all Illinois residents. There’s no local income tax layered on top either, so employers don’t have to juggle different rates for different cities.
This Illinois paycheck calculator takes that flat rate and runs it against your actual paycheck details such as gross pay, basic allowances, Illinois tax filing status, and any pre-tax deductions you’ve got, to show what you’ll actually take home. It also checks your pay against Illinois’ minimum wage, so you can confirm you’re being paid correctly before taxes even come into the picture. If you need to create a professional pay stub based on your calculated earnings and you can also use a paystub generator.
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Earnings
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Taxes
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Take Home
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How Does the Illinois Salary Calculator Work?
Our Illinois salary take home calculator starts with your gross pay and works through every withholding your employer is required to make under Illinois law before landing on your take home pay. Every pay period, Illinois employers withhold federal taxes along with Social Security and Medicare; together these are FICA, and employers pay a matching share on top of what’s taken from an employee’s wages.
An extra 0.9% Medicare tax applies once single filers pass $200,000, joint filers pass $250,000, or married employees filing separately pass $125,000, and this portion isn’t matched by the employer. On the state side, Illinois taxes are simple: a flat 4.95% income tax rate applies to all residents, with no local income taxes added on top, though reciprocal agreements may change things if you live and work in different states.
The paycheck tax calculator also factors in details specific to how you’re paid ; your filing status, federal allowances or additional allowances claimed, and your pay frequency; whether you’re among hourly employees, salaried employees, or tipped employees.
Beyond wage withholdings, Illinois employers also pay state unemployment insurance, which funds unemployment taxes without reducing what shows up in your paycheck.
Illinois Salary Paycheck Calculator
If you earn $70,000.00 per year in Illinois, your net pay, which is the amount you take home, will be approximately $53,850 after deducting taxes at a rate of about 23.07%. These additional withholdings deductions consist of approximately 10.47% ($7,329.00) for federal income tax, 4.95% ($3,465.00) for state income tax, 6.20% ($4,340.00) for Social Security tax, and 1.45% ($1,015.00) for Medicare. Before finalizing your document, you can also review a professional free pay stub template to preview how your paystub will look and ensure all details are accurate before creating it.
Important Note: The StubCreator provides a paycheck calculator designed to provide essential guidance. This should not be relied upon to calculate exact taxes, payroll, or other financial data. You should seek a professional accountant regarding any particular requirement.
Taxable Base Wage
Taxable base wages for Illinois are as follows:
| Year | Illinois Taxable Base Wage |
| 2026 | $13,590 |
| 2025 | $13,916 |
| 2024 | $13,590 |
| 2023 | $13,271 |
| 2022 | $12,960 |
| 2021 | $12,740 |
SUTA Rates
In order to help maintain a sustainable Unemployment Insurance Trust Fund, this rate is included in the contribution rate calculation and is stipulated under the Illinois Unemployment Insurance Act. For 2026, the minimum contribution rate remains 0.850%, which is calculated as 0.2% × 126% plus the Fund Building Rate of 0.55%.
| Year | Illinois SUTA Rate |
| 2026 | 0.850% |
| 2025 | 0.850% |
| 2024 | 0.850% |
| 2023 | 0.850% |
| 2022 | 0.725% |
FUTA Rates
In 2024, the highest possible contribution rate is 8.650% (6.400% x 126% plus the Fund Building Rate of 0.55%). NOTE: Contributions are paid at 5.400% in a quarter by an experience-rated employer whose total quarterly salaries are less than $50,000 and whose contribution rate is greater than 5.400%.
| Year | Illinois FUTA Rates |
| 2026 | 0.550% |
| 2025 | 0.550% |
| 2024 | 0.550% |
| 2023 | 0.550% |
| 2022 | 0.525% |
FICA Rates
In Illinois, the FICA tax rates for 2026 are as follows:
For Employees and Employers:
- Social Security Tax: 6.2%
- Medicare Tax: 1.45%
Additional Medicare Taxes
- Employees: 0.90%
| Year | Illinois FICA Rates |
| 2026 | 4.95% |
| 2025 | 4.95% |
| 2024 | 4.95% |
| 2023 | 4.95% |
| 2022 | 7.65% |
Other Taxes
The individual income tax rate in Illinois is a steady 4.95 percent. The corporate income tax rate in Illinois is 9.5%. Additionally, the average combined state and local sales tax rate in Illinois is 8.86 percent, with a state sales tax rate of 6.25 percent.
- In Illinois, the ETT Rate for 2024 is 0.85–8.65%
Illinois does not have an SDI (State Disability Insurance) program, so there is no SDI withholding rate for employees in Illinois.
Paycheck Estimator Illinois
Your Illinois withholding exemption is part of what our Illinois paycheck estimator, that takes into account: the amount of your pay that your employer does not withhold Illinois income tax on.
That figure is determined by the number of allowances you claim on Form IL-W-4, Employee’s and Other Payees’ Illinois Withholding Allowance Certificate, which you fill out when you start a job or whenever your circumstances change. If you claim more allowances than you’re entitled to, less tax is withheld from each paycheck so this number is important when estimating Illinois employee pay.
Paycheck Calculator for Illinois
Below are the details to consider Illinois take home pay calculator:
- Illinois payroll taxes commence with employees completing the IL-W-4 form. This crucial information aids in calculating the appropriate amount to be withheld from their wages.
- If the employee does not submit this form, it will be incumbent upon you to deduct taxes as if no exemptions had been claimed.
- Employees should update Form IL-W-4 solely in the event of life-changing occurrences, such as marriage, divorce, the arrival of a new child through birth or adoption, and other similar situations that might impact their tax liabilities.
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Questionnaires:
- How is Illinois state income tax calculated?
Illinois has a flat income tax rate, meaning everyone pays the same percentage of their income as state income tax. The Illinois Income Tax rate is applied to your taxable income after federal deductions. Make sure to account for estimated take home pay and any pre-tax deductions accurately for a more precise calculation.
- What are the local taxes in Illinois, and how do they impact my paycheck?
Some municipalities in Illinois may impose additional local income taxes. It's crucial to be aware of any local tax obligations in your area, as they can affect the net amount you receive in your paycheck. Check with your local tax authorities or use a calculator that includes these local taxes.
- What is the impact of FICA (Social Security and Medicare) on my Illinois paycheck?
Federal taxes, including Social Security and Medicare (FICA), are applicable to your income in Illinois. These deductions are standard across all states and are calculated based on your gross income. Understanding how FICA contributions affect your paycheck is important for accurate financial planning.
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