Illinois Pay Calculator

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Illinois Paycheck & Salary Calculator

Estimate your 2024 net take-home pay after federal, FICA, and Illinois state taxes.

Weekly Bi-weekly Semi-monthly Monthly Annually
Single Married Filing Jointly

Your Estimated Take-Home Pay

Gross Pay (Per Period):
Federal Income Tax:
FICA (Social Security + Medicare):
Illinois State Tax (4.95%):
Pre-Tax Deductions:
Net Take-Home Pay:

How Your Illinois Paycheck is Calculated

Understanding your paycheck in the Prairie State involves navigating federal regulations and Illinois' unique flat-tax system. Unlike many states that use progressive tax brackets, Illinois applies a consistent percentage to all earners, making it relatively straightforward to estimate your withholding.

1. Federal Income Tax

Federal tax is progressive, meaning higher portions of your income are taxed at higher rates. For 2024, the IRS standard deduction is $14,600 for single filers and $29,200 for those married filing jointly. Our calculator applies these deductions before calculating the tax brackets ranging from 10% to 37%.

2. Illinois State Income Tax (The Flat Tax)

Illinois currently utilizes a flat income tax rate of 4.95%. This means whether you earn $30,000 or $300,000, the state takes the same percentage from your taxable income. However, Illinois does offer a basic personal exemption (roughly $2,775 for 2024), which reduces your taxable base.

3. FICA Taxes

Regardless of which state you live in, the Federal Insurance Contributions Act (FICA) mandates two specific withholdings:

  • Social Security: 6.2% of your gross pay, up to the annual wage base limit ($168,600 for 2024).
  • Medicare: 1.45% of your gross pay with no wage limit (plus an additional 0.9% for high earners over $200,000).

4. Pre-Tax Deductions

Contributions to 401(k) plans, traditional IRAs, or health insurance premiums are typically "pre-tax." These reduce your taxable income, lowering the amount of both federal and state tax you owe.

Example Calculation: Living in Chicago

If you earn a $75,000 annual salary in Chicago, filing as Single:

  • Annual Gross: $75,000
  • FICA Tax: ~$5,737
  • Federal Tax: ~$7,620
  • Illinois State Tax (4.95%): ~$3,575
  • Estimated Annual Take-Home: ~$58,068
  • Monthly Check: ~$4,839

Why use an Illinois-specific calculator?

Generic calculators often fail to account for the specific Illinois personal exemption amounts or the exact 4.95% flat rate. By using this tool, you get a more localized estimate that reflects the actual withholding you will see on your pay stub from an Illinois employer.

function calculateILPay() { var grossInput = parseFloat(document.getElementById('grossPay').value); var frequency = parseFloat(document.getElementById('payFrequency').value); var filingStatus = document.getElementById('filingStatus').value; var allowances = parseFloat(document.getElementById('allowances').value) || 0; var preTaxPerPeriod = parseFloat(document.getElementById('preTax').value) || 0; if (isNaN(grossInput) || grossInput 200000) { annualMedicare += (annualGross – 200000) * 0.009; } var totalFica = annualSocSec + annualMedicare; // Illinois State Tax (4.95% flat) // IL Exemption is approx $2,775 per allowance var ilExemption = allowances * 2775; var ilTaxableIncome = Math.max(0, taxableGross – ilExemption); var annualStateTax = ilTaxableIncome * 0.0495; // Federal Income Tax (2024 Brackets – Single) var stdDeduction = filingStatus === 'single' ? 14600 : 29200; var fedTaxable = Math.max(0, taxableGross – stdDeduction); var fedTax = 0; if (filingStatus === 'single') { if (fedTaxable > 609350) { fedTax += (fedTaxable – 609350) * 0.37; fedTaxable = 609350; } if (fedTaxable > 243725) { fedTax += (fedTaxable – 243725) * 0.35; fedTaxable = 243725; } if (fedTaxable > 191950) { fedTax += (fedTaxable – 191950) * 0.32; fedTaxable = 191950; } if (fedTaxable > 100525) { fedTax += (fedTaxable – 100525) * 0.24; fedTaxable = 100525; } if (fedTaxable > 47150) { fedTax += (fedTaxable – 47150) * 0.22; fedTaxable = 47150; } if (fedTaxable > 11600) { fedTax += (fedTaxable – 11600) * 0.12; fedTaxable = 11600; } fedTax += fedTaxable * 0.10; } else { // Married Filing Jointly 2024 if (fedTaxable > 731200) { fedTax += (fedTaxable – 731200) * 0.37; fedTaxable = 731200; } if (fedTaxable > 487450) { fedTax += (fedTaxable – 487450) * 0.35; fedTaxable = 487450; } if (fedTaxable > 383900) { fedTax += (fedTaxable – 383900) * 0.32; fedTaxable = 383900; } if (fedTaxable > 201050) { fedTax += (fedTaxable – 201050) * 0.24; fedTaxable = 201050; } if (fedTaxable > 94300) { fedTax += (fedTaxable – 94300) * 0.22; fedTaxable = 94300; } if (fedTaxable > 23200) { fedTax += (fedTaxable – 23200) * 0.12; fedTaxable = 23200; } fedTax += fedTaxable * 0.10; } // Totals var totalAnnualTax = fedTax + totalFica + annualStateTax; var annualNet = annualGross – totalAnnualTax – annualPreTax; // Convert back to chosen period var div = (frequency === 1) ? 1 : frequency; document.getElementById('resGross').innerText = "$" + (annualGross / div).toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById('resFedTax').innerText = "- $" + (fedTax / div).toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById('resFica').innerText = "- $" + (totalFica / div).toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById('resStateTax').innerText = "- $" + (annualStateTax / div).toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById('resDeductions').innerText = "- $" + (preTaxPerPeriod).toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById('resNet').innerText = "$" + (annualNet / div).toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2}); document.getElementById('resultsArea').style.display = 'block'; }

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