Illinois Income Tax Calculator
Calculate your total tax burden in Illinois. See IL state income tax (4.95% top rate), federal tax, and FICA combined. Free, instant, private.
Illinois Income Tax Calculator
Pre-filled with Illinois median: $72,205
Your Total Tax Burden
$16,597
Take-Home: $55,608 · Effective Rate: 23.0%
Federal Tax
$7,499
10.4% eff.
IL State Tax
$3,574
5.0% eff.
FICA
$5,524
7.6% eff.
Take-Home
$55,608
77.0% kept
Tax Breakdown
Illinois Tax Bracket Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $72,205.00 | $6,017.08 |
| Federal Income Tax | -$7,499.10 | -$624.93 |
| Illinois State Tax | -$3,574.15 | -$297.85 |
| Social Security (6.2%) | -$4,476.71 | -$373.06 |
| Medicare (1.45%) | -$1,046.97 | -$87.25 |
| Take-Home Pay | $55,608.07 | $4,634.01 |
Marginal Tax Rate
4.95%
IL state only
Effective Tax Rate
23.0%
All taxes combined
Illinois Tax System Overview
Illinois has a constitutionally mandated flat 4.95% income tax with no standard deduction but personal exemptions of $2,625. The state has the second-highest property taxes at 2.07%. Most retirement income is exempt.
Top Income Tax
4.95%
Property Tax
2.07%
Sales Tax (Avg)
8.82%
Median Income
$72,205
Other Taxes in Illinois
Capital Gains Tax
Taxed as regular income at 4.95%
Property Tax
Average effective rate of 2.07%. On a $300,000 home, this equals approximately $6,210 per year, or $518 per month.
Sales Tax
State rate of 6.25%, with a combined average of 8.82% including local taxes.
Estate & Inheritance Tax
Illinois has a state estate tax in addition to the federal estate tax. The exemption may be lower than the federal threshold.
Filing Tips for Illinois
With no standard deduction, maximize pre-tax retirement contributions. Property taxes can exceed $10,000 annually. Illinois exempts most retirement income. Focus on property tax reduction strategies.
- Maximize pre-tax contributions to 401(k) ($23,500 limit in 2026, $31,000 if 50+) to reduce both federal and IL state taxable income.
- Use an HSA if you have a high-deductible health plan. Contributions ($4,300 individual, $8,550 family) are pre-tax and reduce your tax burden.
- Review your W-4. If you regularly get large refunds, adjust your withholding to keep more money in each paycheck throughout the year.
Compare Illinois to Nearby States
If you lived in a neighboring state instead, here is how your state tax would change on $72,205 income:
Explore All 50 State Tax Calculators
Compare income tax rates, property taxes, and sales taxes across all US states and DC.
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Frequently Asked Questions
What is the income tax rate in Illinois?
Illinois has a flat income tax rate of 4.95%. This means all taxable income is taxed at the same rate regardless of how much you earn. Flat 4.95% (constitutionally mandated). No standard deduction. Second-highest property taxes (2.07%). Most retirement income exempt.
How much state tax will I pay in Illinois on $72,205?
On income of $72,205 filing single in Illinois, you would pay approximately $3,574 in state income tax (effective rate of 5.0%). This is after the state standard deduction of $0.
Does Illinois tax capital gains?
Taxed as regular income at 4.95%. Capital gains treatment varies by state — some tax them as regular income while others offer exclusions or preferential rates.
How does Illinois compare to neighboring states for taxes?
Illinois's neighboring states include Wisconsin (7.65% top rate), Iowa (3.8% top rate), Missouri (4.8% top rate). Property tax rates, sales taxes, and cost of living should also be considered when comparing overall tax burden. Use the calculator above to compare your specific tax liability across states.