Introduction
This free Illinois paycheck calculator shows you how much money you will take home after taxes and deductions. Illinois has a flat state income tax rate of 4.95%, which means every worker pays the same percentage no matter how much they earn. On top of that, federal income tax and FICA taxes (Social Security and Medicare) also come out of your pay.
Whether you are a salaried or hourly employee, this tool breaks down your gross pay into every tax and deduction so you can see exactly where your money goes. You can enter your filing status, pay frequency, pre-tax benefits like 401(k) contributions and health insurance, and any post-tax deductions. The calculator then gives you a clear, step-by-step look at your estimated net pay for each paycheck.
Employers can use this tool too. Switch to the employer view to see your full payroll cost, including your FICA match, FUTA, and Illinois State Unemployment Insurance (SUI). Just enter your pay details, choose your options, and click Calculate to get your results.
How to Use Our Illinois Paycheck Calculator
Enter your pay details, tax filing info, and any deductions below. The calculator will estimate your net take-home pay per paycheck, show a full tax breakdown, and display a step-by-step solution.
Employee Pay Type: Pick "Salaried" if you earn a fixed salary or "Hourly" if you are paid by the hour.
Employee Category: Choose "Regular Employee" for most workers. Select "Tipped Employee" only if you receive tips, which changes the minimum wage check to $9.00/hr instead of $15.00/hr.
Perspective: Choose "I'm an Employee" to see your personal paycheck results. Choose "I'm an Employer" to also see employer payroll costs like FICA match, FUTA, and SUI.
Pay Frequency: Select how often you get paid, such as weekly, bi-weekly, semi-monthly, or monthly. This tells the calculator how many paychecks you receive per year.
Gross Pay Year-to-Date: Enter the total gross wages you have earned so far this calendar year before this paycheck. This is used to apply Social Security and SUI wage-base caps correctly.
Check Date: Enter the date of the paycheck being calculated.
Gross Pay Method (Salaried): Choose "Annual Salary" to enter your full yearly pay or "Per Period" to enter the exact amount for one paycheck.
Gross Pay Amount (Salaried): Type your salary amount in dollars. If you chose "Annual Salary," enter your yearly total. If you chose "Per Period," enter the amount for one paycheck.
Hourly Wage (Hourly): Enter your base pay rate per hour.
Regular Hours / Period (Hourly): Enter the number of regular hours you work each pay period.
Overtime Rate (Hourly): This defaults to 1.5 times your hourly wage. You can change it if your overtime rate is different.
Overtime Hours / Period (Hourly): Enter the number of overtime hours you work each pay period. Leave at 0 if you have no overtime.
W-4 Version: Select "2020 or Later W-4" if you filled out the newer form. Select "Pre-2020 W-4" if you still use the older form with allowances.
Federal Filing Status: Pick the filing status that matches your W-4 form, such as Single, Married Filing Jointly, or Head of Household.
Two Jobs – Step 2 (2020+ W-4): Turn this on if you checked the multiple jobs box on your W-4. This adjusts your standard deduction.
Dependents Amount – Step 3 (2020+ W-4): Enter the total dollar amount from Step 3 of your W-4 for dependent tax credits.
Other Income – Step 4a (2020+ W-4): Enter any extra income you want withheld for, such as interest or dividends, from Step 4a of your W-4.
Deductions – Step 4b (2020+ W-4): Enter any deductions beyond the standard deduction from Step 4b of your W-4, such as itemized deductions.
Federal Allowances (Pre-2020 W-4): Enter the number of federal allowances you claimed on your old W-4 form.
State Allowances (Pre-2020 W-4): Enter the number of state allowances from your older Illinois W-4 form.
Additional State Allowances (Pre-2020 W-4): Enter any extra Illinois state allowances you claimed.
Local Allowances (Pre-2020 W-4): Enter local allowances if any apply. Illinois does not have a local income tax, so this is typically 0.
Illinois Marital Status: Select "Single" or "Married" to match your Illinois W-4 filing status.
Number of Dependents (IL): Enter the number of dependents you claimed on your Illinois W-4. This increases your Illinois personal exemption amount.
IL Elected Withholding % (ATR): If you elected an additional withholding percentage on your Illinois W-4, select it here. Most people leave this at 0%.
Additional Federal Withholding: Enter any extra flat dollar amount you want withheld from each paycheck for federal taxes.
Additional State Withholding: Enter any extra flat dollar amount you want withheld from each paycheck for Illinois state taxes.
Additional Local Withholding: Enter any extra local tax withholding per paycheck. Illinois has no local income tax, so this is usually $0.
Round Federal Withholding: Keep this on to round your federal tax to the nearest whole dollar, which is the standard method. Turn it off for exact cents.
SUI Employer Rate Type (Employer View): Choose your Illinois State Unemployment Insurance rate category. New non-construction employers use 2.725%, new construction employers use 3.175%, or select "Experienced Employer" to type in your assigned rate.
Experienced SUI Rate (Employer View): If you chose "Experienced Employer," enter your assigned SUI rate between 0.625% and 7.375%.
Exemptions: Turn on "Are you exempt from any taxes?" only if you qualify for a tax exemption. Then check each specific tax you are exempt from, such as federal income tax, FICA, or Illinois state income tax.
Pre-Tax Deductions: Enter amounts for benefits like medical insurance, dental, vision, 401(k), HSA, FSA, and others. For each one, pick "Fixed $" for a flat dollar amount or "% of Gross" for a percentage of your gross pay.
Add Voluntary Pre-Tax Deduction: Click "Add Deduction" to add extra pre-tax deductions like an additional 401(k) contribution, HSA contribution, or a custom deduction.
Post-Tax Deductions: Click "Add Post-Tax Deduction" to add deductions taken after taxes, such as Roth 401(k) contributions, garnishments, or union dues.
Calculate: Press the "Calculate" button to see your results. You will get your estimated net take-home pay, a full breakdown of taxes and deductions, wage-base progress bars, a pay allocation chart, and a step-by-step math solution.
Reset: Press the "Reset" button to clear all your entries and return every field to its default value.
Illinois Paycheck Calculator
This calculator helps you figure out how much money you will actually take home from your paycheck if you work in Illinois. It starts with your gross pay (the full amount you earn before anything is taken out) and subtracts all the taxes and deductions that apply to you. The number left over is your net pay — the amount that hits your bank account on payday.
What Gets Taken Out of Your Paycheck in Illinois
Every paycheck in Illinois has several types of withholdings. Federal income tax is based on your W-4 form, filing status, and how much you earn. You can use our tax bracket calculator to see which federal bracket your income falls into. Illinois state income tax uses a flat rate of 4.95%, which means everyone pays the same percentage no matter how much they make. Illinois does not have any local income taxes, so nothing extra is taken out by your city or county.
On top of income taxes, you also pay FICA taxes. This includes Social Security tax at 6.2% on wages up to $176,100 per year and Medicare tax at 1.45% on all wages. If you earn more than $200,000 in a year, an extra 0.9% Medicare tax kicks in. To learn more about how Social Security affects your future benefits, try our Social Security calculator.
Pre-Tax and Post-Tax Deductions
Many workers have money taken out for things like health insurance, a 401(k) retirement plan, or an HSA. Pre-tax deductions come out before taxes are calculated, which lowers the amount of income you are taxed on. Post-tax deductions come out after taxes, so they do not reduce your tax bill. Both types reduce your final take-home pay.
Salaried vs. Hourly Employees
If you are salaried, you earn a set amount each year split across your pay periods. You can use our salary to hourly calculator to see what your salary works out to per hour, or our hourly to salary calculator to convert in the other direction. If you are hourly, your pay depends on the number of hours you work. Illinois follows federal overtime rules, so hours worked over 40 in a single workweek are paid at 1.5 times your regular hourly rate. Our overtime calculator can help you estimate your overtime earnings.
Illinois Minimum Wage
As of 2026, the Illinois minimum wage is $15.00 per hour for regular employees. Tipped employees have a lower minimum wage of $9.00 per hour. The calculator will warn you if the hourly rate you enter falls below these floors. If you want to see how your hourly rate translates into a yearly figure, check out our annual income calculator.
Employer Payroll Costs
If you are an employer, this calculator can also show you what you pay on top of the employee's wages. Employers match the employee's Social Security and Medicare taxes, pay FUTA (federal unemployment tax) on the first $7,000 of each worker's wages, and pay Illinois State Unemployment Insurance (SUI) on the first $13,590 of wages. SUI rates range from 0.625% to 7.375% depending on your experience rating, with new employers paying 2.725% (or 3.175% for construction). For a broader view of all employer-side taxes, see our payroll tax calculator. If you are self-employed and handle both sides of payroll taxes yourself, our self-employment tax calculator can estimate your total obligation.