Illinois Income Tax Calculator 2026 โ 4.95% Flat Rate
Calculate your 2026 Illinois state income tax at the flat 4.95% rate with personal exemptions. See IL vs federal combined tax burden and neighboring state comparison.
Illinois Tax Breakdown
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Tax Computation Summary
How to Use This Illinois Income Tax Calculator
Enter your annual gross income and select your filing status. Add dependents to increase your personal exemption amount. Illinois has a simple flat 4.95% rate โ no complicated brackets to navigate. Results show your Illinois state tax, effective rate, estimated federal tax, and after-tax income updated instantly.
Note: This calculator covers Illinois state income tax only. Illinois residents also pay federal income tax separately, and Chicago-area residents may pay local taxes.
The Formula
IL Taxable Income = Gross Income โ Personal Exemption
IL Income Tax = IL Taxable Income ร 4.95%
IL Effective Rate = IL Tax รท Gross Income ร 100
Example
Personal exemption: $2,625 (single, no dependents)
IL taxable income: $85,000 โ $2,625 = $82,375
IL income tax: $82,375 ร 4.95% = $4,077
IL effective rate: 4.80% | IL marginal rate: 4.95% (flat)
IL vs Neighboring States Comparison
Compare Illinois total tax burden against Texas, Indiana, Wisconsin, and Iowa
See how Illinois total tax burden (federal + state) compares to neighboring and no-income-tax states at your income level.
Total Tax Burden: Illinois vs Neighboring States
Comparison at your entered income. Federal tax is the same for all states โ only state tax differs.
| State | State Tax Rate | State Tax | Federal Tax | Combined Total | Combined Eff. Rate |
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Chicago metro note: Cook County and Chicago residents also pay local taxes โ a Chicago city income tax surcharge of ~1% on earned income is embedded in the Chicago tax ecosystem through employer withholding taxes. Illinois property taxes are among the highest in the nation, averaging 2.08% effective rate, adding substantial burden not reflected in income tax comparisons.