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.
The state of Illinois uses a flat 4.95% state income tax on all taxable income in 2026. State standard deduction: $0 single / $0 married. Plus federal income tax (10%-37% across 7 brackets) and FICA (Social Security 6.2%, Medicare 1.45%). Property tax averages 2.07% and sales tax averages 8.82%. Flat 4.95% (constitutionally mandated). No standard deduction. Second-highest property taxes (2.07%). Most retirement income exempt.
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 ($4,400 individual, $8,750 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.
What is the Illinois state income tax filing deadline for 2026?
Illinois state income tax returns are due April 15, 2026 (matching the federal deadline). If April 15 falls on a weekend or holiday, the deadline shifts to the next business day. Extensions: Illinois typically grants automatic 6-month extensions to October 15, 2026, but tax owed must still be paid by April 15 to avoid penalties.
Does Illinois tax retirement income, Social Security, and pensions?
Illinois taxes retirement income with state-specific exclusions. Social Security: only 11 states tax SS benefits in 2026 (CO, CT, KS, MN, MT, NM, RI, UT, VT, WV, MO partially); Illinois's treatment varies. Pensions and 401(k)/IRA withdrawals are generally taxable as ordinary income at 4.95% top rate, with possible exclusions for federal/military pensions or low-income seniors. Check Illinois's 2026 retirement income exclusion thresholds.
What deductions and credits are unique to Illinois in 2026?
Illinois offers standard deduction of $0 (single) / $0 (married). Additional state-specific items typically include: Illinois-specific tax credits (e.g., property tax credit, education credit, EITC supplement if available), retirement income exclusions, and state-conformity to federal deductions like SALT cap, mortgage interest, charitable contributions. Check Illinois's state tax form for the full list of state-specific credits in 2026.
If I work remotely in Illinois for an out-of-state employer, what tax do I pay?
As a Illinois resident working remotely for an out-of-state employer, the rules depend on reciprocity agreements. Reciprocity-pair states (PA-NJ, IL-IA, MI-OH, etc.) let you pay tax only to Illinois. Without reciprocity, you may pay tax to BOTH states, then claim a credit on Illinois's return for taxes paid to the work state. NY, PA-Philadelphia, and other "convenience of employer" jurisdictions can override these rules. Verify your employer's state tax setup.