Illinois Paycheck Calculator

Four tax lines come out of an Illinois paycheck: federal income tax, Social Security (6.2% up to $184,500), Medicare (1.45%), and Illinois income tax. Illinois has no local income taxes, so Chicago and every other city and county withhold nothing from wages, and the state has no employee payroll tax such as a disability or paid-leave premium. Anything else on your stub is your own election: 401(k), health premiums, HSA, and similar benefits.

The IL-700-T formula is short: annual wages minus $2,925 for each basic allowance on line 1 of your IL-W-4, times 4.95%, divided by your pay periods. There is no standard deduction, no credit, and no separate schedule for married or head-of-household filers, so two people with the same pay and allowances get the same Illinois withholding. Enter your line 1 count in the Illinois exemptions field.

Line 2 of the IL-W-4 adds $1,000 allowances for employees who are 65 or older or blind; this calculator does not model them, so if you claim any, your actual Illinois withholding runs a little lower than shown. Bonuses are withheld at the same 4.95%. Residents of Iowa, Kentucky, Michigan, and Wisconsin who work in Illinois file Form IL-W-5-NR to stop Illinois withholding. For 2026 the rate held at 4.95% and the basic allowance rose from $2,850 to $2,925.