2026 Illinois income tax calculator

Yes. Illinois charges a flat 4.95% on federal AGI after an exemption allowance of $2,925 a person — and nothing else. On a $60,000 salary filing single, $2,825 of it goes to Illinois for the year — 4.71% of gross.

About $7,845 for the year filing single — $5,020 federal and $2,825 to Illinois. That is 13.08% of the salary, not the 12.00% bracket the last dollar sits in. Social Security and Medicare take a further $4,590, which is payroll tax rather than income tax.

No, and the difference is the whole reason both exist. A paycheck calculator answers what your employer holds back each payday, using withholding tables built for payroll software. This page answers what the year actually costs you on your return — the standard deduction comes off explicitly, the rate schedule is the one on the return, and credits are applied. The gap between the two is what a refund or a balance due is made of. For the payday figure, use the Illinois paycheck calculator.

Your bracket is the rate your next dollar meets — 12.00% federally on a $60,000 single salary. Your actual rate is the total tax divided by the total income, which on the same salary is 13.08%. The gap exists because the first $16,100 is not taxed at all and the dollars after it climb through 10% and 12% before they reach your bracket. Nobody pays their bracket on all of their income.

Illinois has no standard deduction. The only thing subtracted before the rate is the exemption allowance: $2,925 for you, another $2,925 for a spouse on a joint return, and $2,925 for each dependant. The 2026 exemption is $2,925, up from $2,850 in 2025 — the Department publishes the new figure a year ahead, so this is a 2026 number rather than last year’s carried forward.

4.95%. But the rate alone does not tell you the bill — what matters as much is what Illinois lets you subtract first, which is why the share of a $60,000 salary that actually goes to the state is 4.71% and not 4.95%.

No, and that is deliberate. FICA is a payroll tax, not an income tax: it is charged on your wages from the first dollar with no standard deduction, at a flat rate, and it does not appear on the rate schedule. On the $60,000 example it comes to $4,590 — real money, listed separately under the result so the number this page is named after stays the number it claims to be.

A traditional 401(k) does: the money never enters your taxable wages, so it comes off before both federal and state income tax. It does not lower Social Security and Medicare, which are charged on gross wages either way. A Roth contribution lowers neither. Enter yours under "more details" to see the difference on your own figure.

$16,100 filing single, $32,200 married filing jointly and $24,150 as head of household, from Form 1040-ES (2026). You take the larger of that and your itemised deductions, and most people do not itemise. Illinois does not necessarily use the same figure — see the section above for what this state subtracts.

Because a return has more moving parts than a calculator asks about. This page models salary income, the standard or itemised deduction, dependant credits and one state. It does not model capital gains and qualified dividends, which have their own rate schedule; married filing separately; the age-65 and blind deductions; the earned income credit; local income taxes; or most state-specific credits. If any of those apply to you, treat this as an estimate of the main lines rather than the whole return.

Texas, Florida, Washington, Nevada, Tennessee, New Hampshire, South Dakota, Wyoming, Alaska. In each of them a federal return is the only income tax return, though a few still take payroll deductions for state programmes — Washington's paid leave premium and WA Cares, Alaska's employee unemployment share — which are not income tax and are not on this page.