Illinois · 2026
Illinois paycheck calculator
| Item | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,307.69 | $59,999.94 |
| Federal income tax | −$193.08 | −$5,020.08 |
| Social security | −$143.08 | −$3,720.08 |
| Medicare | −$33.46 | −$869.96 |
| Illinois income tax | −$108.66 | −$2,825.16 |
| Take-home pay | $1,829.41 | $47,564.66 |
The official method, step by step
For 2026, the Illinois lines are worked out as follows (rule set us-il-2026.1): Illinois income tax by the IL-700-T formula, 4.95% after allowances.
- Pay is annualized, then reduced by the Form W-4 amount for your filing status ($8,600, or $12,900 if married filing jointly) unless the Step 2 box is checked.
- Federal income tax comes from the IRS 2026 Annual Percentage Method table for that status, divided back to one paycheck.
- Social security is 6.2% of wages until the year's wages reach $184,500.
- Medicare is 1.45% of all wages, plus 0.9% on wages over $200,000 in the year.
- A pre-tax 401(k) lowers federal income tax wages, not social security or Medicare wages.
- Illinois income tax follows the formula in Booklet IL-700-T: 4.95% of the pay after allowances, where each IL-W-4 Line 1 allowance is worth $2,925 a year and each Line 2 allowance $1,000, divided over the pay periods in the year.
What this leaves out
The calculator works out federal income tax, social security, Medicare and the Illinois lines for 2026, and leaves out the items below.
- IL-W-4 Line 3 additional withholding (the pay stub generator handles it)
- Local taxes, where they apply
- Benefits, garnishments and other after-tax deductions
- W-4 Step 3 credits and Step 4 entries (the pay stub generator handles them)
Sources: Illinois Department of Revenue, Booklet IL-700-T (2026), Illinois Withholding Tax Tables: formula method (4.95%, $2,925 per Line 1 allowance, $1,000 per Line 2 allowance); IRS Publication 15-T (2026), Federal Income Tax Withholding Methods: Worksheet 1A and the Annual Percentage Method Tables; IRS Publication 15 (2026), (Circular E) Employer's Tax Guide: social security and Medicare tax, Additional Medicare Tax.
Illinois paycheck calculator: common questions
Common questions about Illinois paychecks and take-home pay in 2026, answered from the official sources listed above.
How much Illinois tax comes out of a paycheck?
Illinois has a flat income tax of 4.95%. Withholding takes 4.95% of the pay left after the IL-W-4 allowances: $2,925 a year for each Line 1 allowance and $1,000 for each Line 2 allowance, spread over the pay periods in the year.
What are Line 1 and Line 2 allowances on the IL-W-4?
Line 1 counts the basic allowances for the employee and anyone else they can claim. Line 2 counts the additional allowances the form describes. Line 3 is any extra amount to withhold each pay period.
Can I make a pay stub from this?
Yes. “Make a Illinois pay stub with these numbers” opens the pay stub generator with this paycheck, Illinois as the work state and these deductions filled in. Once you add the pay date, it can recalculate the same Illinois line.
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