Calculate your exact take-home pay in Illinois for 2025. Illinois has a flat state income tax rate of 4.95% on all income. Use our free calculator below to see your real paycheck after all taxes.
2025 federal & state rates · Illinois specific
Illinois uses a flat 4.95% state income tax rate — meaning everyone pays the same percentage regardless of income level.
| Annual Salary | Monthly Take-Home | Annual Take-Home | Effective Tax Rate |
|---|---|---|---|
| $40,000 | $2,660 | $31,920 | 20.2% |
| $60,000 | $3,742 | $44,904 | 25.2% |
| $80,000 | $4,790 | $57,480 | 28.2% |
| $100,000 | $5,776 | $69,312 | 30.7% |
| $150,000 | $8,148 | $97,776 | 34.8% |
*Estimates for single filer, standard deduction, no additional deductions.
| City | Median Home Price | Avg Rent (1BR) | Cost of Living |
|---|---|---|---|
| Chicago | $360,000 | $1,900 | High |
| Aurora | $295,000 | $1,400 | Moderate |
| Naperville | $420,000 | $1,600 | High |
| Rockford | $175,000 | $950 | Low |
| Springfield | $185,000 | $1,000 | Low |
Illinois uses a flat income tax rate of 4.95% on all income regardless of how much you earn. Unlike progressive states where higher earners pay higher percentages, every Illinois worker — from minimum wage to millionaire — pays the same 4.95% rate. Illinois voters rejected a graduated income tax amendment in 2020, locking in the flat rate structure for the foreseeable future.
Illinois's flat 4.95% rate means simple math: take your Illinois taxable income, multiply by 0.0495, and that's your state tax. For a $70,000 salary, that's $3,465 in state income tax per year. Illinois also has a personal exemption of $2,425 for single filers that reduces taxable income slightly. The effective rate for most Illinois workers lands at approximately 4.6%–4.9% after the exemption.
Chicago residents face additional costs beyond state income tax. Illinois has a 6.25% state sales tax, and Chicago's combined sales tax rate reaches 10.25% — one of the highest in the nation. Cook County property taxes are among the highest in the Midwest. Workers in Chicago should factor these additional costs into their overall financial picture even though they don't appear on a pay stub.
Illinois's economy is anchored by Chicago, a major hub for finance, commodities trading, manufacturing, healthcare, and technology. The median household income in Illinois is approximately $72,000. Major employers include Boeing, McDonald's corporate headquarters, United Airlines, and a large network of healthcare systems. Illinois also has significant agricultural employment downstate.
A $100,000 salary in Illinois takes home approximately $70,500 per year after federal and state taxes. The same salary in neighboring Indiana takes home about $72,000 due to Indiana's lower 3.05% flat tax rate.
Partially. Illinois does not tax Social Security benefits, pension income from government retirement plans, or distributions from retirement accounts like 401(k)s and IRAs. However, wages from part-time work in retirement are still taxed at 4.95%. This makes Illinois relatively retirement-friendly despite its flat tax on working income.
Illinois's minimum wage reached $15.00 per hour in January 2025, completing a multi-year phase-in that began in 2019 when the minimum wage was $8.25. Chicago and Cook County have historically maintained higher minimum wages than the state floor.
Illinois's 4.95% flat rate sits in the middle of its neighbors. Wisconsin has a progressive tax up to 7.65%, Indiana has a flat 3.05% rate, and Michigan has a flat 4.05% rate. For high earners, Illinois's flat rate is often better than Wisconsin's progressive system but worse than Indiana's lower flat rate.