Paycheck · Illinois · 2026
Illinois Paycheck Calculator
Enter your pay, hours and deductions to estimate Illinois net pay per paycheck, plus weekly, biweekly, monthly and annual equivalents. Illinois withholding follows the automated payroll method published in Booklet IL-700-T, using the allowances from your own Form IL-W-4. This is a wage-withholding estimate, not a tax-return calculation.
Illinois withholds a single flat rate of 4.95% on wages for 2026, after subtracting the allowance value from your Form IL-W-4. No Illinois city income tax is modelled here, because Illinois municipalities — Chicago included — do not levy a personal income tax on wages.
Estimated take-home pay
$2,880.82
per biweekly pay · $112,000.00 annual grosseff. rate
- Gross pay
- $4,307.69
- Federal income tax
- −$518.89
- Social Security
- −$255.30
- Medicare
- −$59.71
- Illinois income tax
- −$187.60
- Pre-tax deductions
- −$405.38
- Post-tax deductions
- −$0.00
- Net pay
- $2,880.82
$1,440.41
$2,880.82
$6,241.77
$74,901.23
What-if scenarios
Calculations are estimates for informational purposes and are not tax, legal, or financial advice. Actual withholding and take-home pay may differ.
How Illinois withholding is calculated
The 2026 Illinois formula
Booklet IL-700-T's automated payroll method withholds 4.95% of your wages for the pay period, after removing the allowance value: line 1 allowances are worth $2,925 a year each and line 2 allowances are worth $1,000 a year each, and that annual total is divided by the number of pay periods in your year. If the allowance value is larger than your wages for the period, Illinois withholding for that paycheck is zero.
Pay frequency changes the per-paycheck allowance
The allowance value is annual, so its per-paycheck share depends on how often you are paid: divided by 52 weekly, 26 biweekly, 24 semimonthly and 12 monthly. One line 1 allowance removes $56.25 from a weekly paycheck, $112.50 from a biweekly one, $121.88 from a semimonthly one and $243.75 from a monthly one. The annual Illinois withholding is the same either way.
Worked example
Weekly taxable wages of $1,000 with one line 1 allowance, one line 2 allowance and no extra withholding: the allowance value is ($2,925 + $1,000) ÷ 52 = $75.48, leaving $924.52. Illinois withholding is 4.95% of that, $45.76 for the paycheck. Add a $10 additional-withholding request on IL-W-4 and the paycheck total becomes $55.76. With no allowances at all, $1,000 a week withholds $49.50.
Your Form IL-W-4
Enter the allowance numbers written on your own Form IL-W-4, and any extra dollar amount you asked your employer to withhold each payday. If you never filed an IL-W-4, Illinois generally requires your employer to withhold with no allowances, so leaving both allowance fields at zero matches what most such paychecks show. Nothing identifying is asked for or stored here — no name, address or Social Security number.
Why your actual paycheck can differ
Employers round differently, may use the wage-bracket tables instead of the automated method, and withhold benefits, garnishments or after-tax items that this estimate does not know about. Mid-year pay changes, multiple jobs and supplemental payments all shift withholding too.
Withholding is not your final tax
Withholding is a running prepayment of the tax on your wages. Your final Illinois liability is settled on Form IL-1040 and reflects your full year: exemption allowances, credits, other income, and any tax withheld elsewhere. It is normal for the two to differ, which is why a return produces a refund or a balance due.
Official sources
- Illinois Department of Revenue — Booklet IL-700-T, Illinois Withholding Income Tax Tables
- Illinois Department of Revenue — current-year withholding tax forms
Other state calculators
Illinois paycheck questions
What the Illinois estimate includes, which official schedules it uses, and what it deliberately leaves out.
What is the Illinois withholding rate for 2026?
Illinois withholds at a flat 4.95% of wages for the pay period, after the allowance value from your Form IL-W-4 is subtracted, as published in Booklet IL-700-T.
What are my IL-W-4 allowances worth?
Each allowance on line 1 is worth $2,925 a year and each allowance on line 2 is worth $1,000 a year. The annual total is divided by your number of pay periods before the 4.95% rate is applied.
What if I never filed a Form IL-W-4?
Illinois generally requires your employer to withhold with no allowances in that case. Leave both allowance fields at zero to see that result.
Does Chicago tax my paycheck?
No. Illinois municipalities, including Chicago, do not impose a personal income tax on wages, so no local income tax is calculated here.
Is this the same as my tax return?
No. This is a wage-withholding estimate for a paycheck, not a Form IL-1040 calculation, and it is an estimate rather than tax, legal or financial advice.