# How much is Illinois income tax?

Estimates 2026 Illinois income tax from federal AGI, filing status, and dependents.

- Page: https://www.acalculator.org/finance/illinois-income-tax-calculator
- JSON spec: https://www.acalculator.org/finance/illinois-income-tax-calculator.json
- Version: a8f1e41907ce

## Default answer

Example with the default inputs (Filing status Single, Federal adjusted gross income $75,000.00, Dependents 0): On $75,000.00 of AGI, filing Single, Illinois income tax is $3,567.71 (4.76% effective).

## Inputs

| Key | Label | Description |
| --- | --- | --- |
| status | Filing status | Your federal filing status. |
| income | Federal adjusted gross income | Your federal AGI (Form 1040 line 11). |
| deps | Dependents | Dependents you claim, not yourself or your spouse. |

## Outputs

| Key | Label | Description |
| --- | --- | --- |
| total | Illinois income tax | State tax after credits, plus any local tax. |
| stateTax | State income tax | State tax after credits. |
| effectiveRate | Effective rate | Tax as a percent of AGI. |
| marginalRate | State marginal rate | State rate on the next dollar. |
| taxableIncome | State taxable income | AGI less deduction and exemptions. |
| deduction | Deduction | Standard or itemized, whichever is larger. |
| exemptions | Exemptions | Personal and dependent exemptions. |
| credits | Credits | State credits used. |

## Method

Taxable income = AGI − larger of standard or itemized deduction − exemptions; tax = state rates on taxable income − credits.

## Assumptions

- An estimate for a full-year resident, 2026 rates, not tax advice.
- Starts from federal AGI; Illinois additions and subtractions are not modelled.
- Not modelled for Illinois: No exemption above $250,000 AGI ($500,000 joint) is not modelled. No itemized deductions: IL-1040 subtracts only exemptions from federal AGI (2025 IL-1040 instructions).
- Not modelled: part-year and nonresident returns, other state credits, and state AMT.

## Worked examples

1. status = single, income = $50,000.00, deps = 0 gives taxableIncome = $47,075.00, stateTax = $2,330.21, total = $2,330.21. Source: Illinois Department of Revenue, Booklet IL-700-T 2026 (4.95%, $2,925 exemption), https://tax.illinois.gov/content/dam/soi/en/web/tax/forms/withholding/documents/currentyear/il-700-t.pdf (worked from it at AGI $50,000, single).
2. status = mfj, income = $100,000.00, deps = 2 gives taxableIncome = $88,300.00, stateTax = $4,370.85, total = $4,370.85.
3. status = hoh, income = $200,000.00, deps = 1 gives taxableIncome = $194,150.00, stateTax = $9,610.43, total = $9,610.43.

## FAQ

### What is the Illinois income tax rate?

Illinois taxes income at a flat 4.95%. For a single filer the schedule is 4.95% above $0 of taxable income. These are the 2026 rates.

### How is Illinois income tax calculated?

Start from federal adjusted gross income. Subtract the larger of the Illinois standard deduction and your itemized deductions, then the exemptions. Apply the rates to what is left and subtract any credits. Illinois has no standard deduction in this model. The model takes a personal exemption of $2,925 ($5,850 joint), $2,925 for each dependent.

### Does Illinois have a local income tax?

This page has no local income tax for Illinois; if your city or county has one, add it yourself.

### What does this Illinois calculator leave out?

No exemption above $250,000 AGI ($500,000 joint) is not modelled. No itemized deductions: IL-1040 subtracts only exemptions from federal AGI (2025 IL-1040 instructions). It also leaves out state additions and subtractions to federal AGI (such as retirement or Social Security exclusions), part-year and nonresident returns, and credits such as child care, earned income, and tax paid to another state.

### Which tax year do the Illinois rates cover?

Tax year 2026, the return you file in 2027. They come from Illinois Department of Revenue.

### Which states have no income tax on wages?

Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. They have no page of their own, because there is no wage income tax to work out; the state income tax calculator answers 0 for them. Federal income tax and Social Security and Medicare still apply.

### Is this the same as my paycheck withholding?

No. This is the tax for the whole year on your return. Your employer withholds by the state's own withholding formula, so your refund or balance due is the difference between the two.

## Sources

- Illinois Department of Revenue, Booklet IL-700-T 2026 (4.95%, $2,925 exemption), https://tax.illinois.gov/content/dam/soi/en/web/tax/forms/withholding/documents/currentyear/il-700-t.pdf