Gross Pay
Calculate gross earnings for the period based on salary or hourly wages. grossPay = salary / payPeriods for salary workers, or (regularHours × rate) + (overtimeHours × rate × multiplier) for hourly workers.
FINANCE
About Illinois Paycheck Calculator
Estimate Illinois take-home pay for 2025 and 2026 with a clear gross-pay, tax, deduction, and net-pay breakdown for salary or hourly work.
2025 and 2026salary and hourlybonus and overtime401(k) and RothYTD FICA handlingsimple and advanced
About this calculator
What this does
Estimates your Illinois take-home pay for 2025 and 2026 by calculating gross pay, then subtracting federal income tax, Illinois flat-rate state withholding (4.95%), Social Security (6.2% up to the wage base), Medicare (1.45% plus 0.9% Additional Medicare above the threshold), and optional pre-tax deductions like 401(k), HSA, and health insurance.
Who it is for
Illinois residents and workers who want to understand their paycheck breakdown. Useful for salary negotiations, budgeting, comparing job offers, or planning how bonus and overtime pay affects net income in Illinois.
How it works
The calculator annualizes your gross pay based on pay frequency, then applies Illinois withholding using the state's flat 4.95% rate against your taxable wages after exemptions. Federal withholding follows IRS tables for 2025 or 2026. FICA taxes are applied separately with proper wage base caps. The result shows a period-by-period breakdown of every deduction.
Limitations
Illinois uses a flat tax rate which is simpler than graduated states, but your employer may apply different withholding settings, local taxes (such as Chicago optional taxes are not modeled), or YTD adjustments that this calculator cannot see. Pre-tax deductions like 401(k) reduce taxable wages but not FICA in this model.
Formula
Illinois State Withholding
Apply Illinois's flat 4.95% rate to annualized taxable wages after exemptions. ilWithholding = max(0, (annualizedWages − exemptionAllowance)) × 0.0495
Federal Withholding
Apply IRS percentage-method tables for the selected tax year based on filing status, pay frequency, and taxable wages after pre-tax deductions.
Net Pay
Subtract all taxes and deductions from gross pay. netPay = grossPay − federalWithholding − ilWithholding − socialSecurity − medicare − preTaxDeductions
How it works
Step 1
Select simple or advanced mode
Simple mode covers salary, pay frequency, and standard deductions. Advanced mode adds hourly wages, overtime, bonus pay, YTD tracking, and detailed deduction control.
Step 2
Enter your gross pay details
Choose salary or hourly, then enter your annual salary or hourly rate along with hours per period and overtime settings.
Step 3
Set your filing status
Select your federal filing status. Illinois uses a flat rate, so status primarily affects federal withholding and the standard deduction applied.
Step 4
Configure deductions and YTD wages
Enter pre-tax deductions and optional year-to-date wages to accurately track Social Security wage base and Additional Medicare thresholds.
Step 5
Choose the tax year
Select 2025 or 2026 to use the correct federal and Illinois withholding rules for that year.
Step 6
Review the breakdown
The calculator shows gross pay, each tax and deduction line item, and the final net pay for the period. Switch between period and annual views.
Reference ranges
Federal Withholding
Federal income tax ranges from 10% to 37% of taxable wages depending on your income level and filing status.
Illinois Withholding
Illinois uses a flat 4.95% rate on taxable wages after exemptions. This makes Illinois withholding simpler and more predictable than graduated-rate states.
FICA Taxes
Social Security is 6.2% up to the annual wage base ($176,100 for 2025). Medicare is 1.45% with no wage cap, plus an additional 0.9% above $200,000 ($250,000 married filing jointly).