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Illinois Income Tax Calculator

Estimate your 2026 combined federal and Illinois income tax — Illinois adds a flat 4.95% state income tax.

InputsTY-2026
$
$
$
Federal + state tax18.0% effective
$17,975/yr
10% on $12,400$1,240
12% on $38,000$4,560
22% on $33,500$7,370
federal tax subtotal$13,170
IL state tax$4,805
taxable income
$83,900
marginal rate
22.0%
after tax
$82,025

A single filer earning Illinois's median household income of $84,210 owes about $4,024 in Illinois state income tax — an effective state rate of 4.78%. That is state tax only, on top of federal income tax and FICA.

Based on 2026 Illinois rules and 2026 federal rules, with the standard deduction and no other adjustments. Median income is the 2024 Census figure.

Income tax in Illinois

Illinois has a flat 4.95% income tax, so every dollar of wages is taxed at the same rate no matter what you earn. A per-person exemption of $2,925 for 2026 — up $75 from 2025 — reduces the taxable amount, though it phases out at high incomes. The exemption is the only individual income tax figure that changed this year; Illinois still has no standard deduction.

Illinois income tax structure (2026)

Illinois taxes income at a flat 4.95% after a personal exemption of $2,925. Every taxable dollar is taxed at the same rate, so your marginal and effective state rates converge as income rises.

Common questions

What is Illinois's income tax rate?
Illinois taxes income at a flat 4.95% for tax year 2026 — one rate at every income level, with no brackets — applied after a $2,925 personal exemption per filer ($5,850 joint).
What is the tax bill on $84,210 in Illinois?
A single filer on Illinois's $84,210 median household income (2024) owes about $4,024 to Illinois and $9,696 to the IRS — roughly $13,720 of income tax in total, or 16.3% of gross income.
Does Illinois have a personal exemption?
Yes — $2,925 per filer ($5,850 on a joint return) is subtracted before the 4.95% rate applies, worth about $145 of tax for a single filer. Illinois pairs it with no standard deduction in this model.

How we calculate this

Federal brackets per our income-tax methodology, plus Illinois's 2026 state tax. Estimates only — not tax advice.

Illinois DOR Informational Bulletin FY 2026-15 — What's New for Illinois Income Taxes →Tax Foundation: 2026 state individual income tax rates and brackets →

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Estimates for general informational purposes only; not tax advice. Illinois figures are simplified (credits, local taxes, and AGI adjustments vary) and should be verified with the state Department of Revenue. Illinois's flat 4.95% is applied with the $2,925-per-filer exemption and no standard deduction — itemized deductions and Illinois credits are not modelled. It also excludes any local, county, or school-district tax your municipality may add.