Illinois Tax Calculator — State + Federal + FICA Estimate
Estimate your Illinois state income tax, federal income tax, and FICA (Social Security + Medicare) from your annual gross income. Illinois uses a simple 4.95% flat rate for state income tax, but combined with the federal progressive system and payroll taxes, the total tax picture depends on your income level and filing status.
$
Filing status
Include FICA (Social Security & Medicare)
Gross income minus estimated federal, Illinois state, and FICA taxes
- 1
Illinois exemption
2,425Personal exemption per filer; $2,425 added per qualifying dependent. - 2
Illinois taxable income
max(0, 75,000 − 2,425) = 72,575 - 3
Illinois income tax (4.95%)
72,575 × 4.95% = 3,592 - 4
Total taxes (federal + IL + FICA)
17,532Federal uses 2025 progressive brackets on (gross − standard deduction); FICA: 6.2% SS + 1.45% Medicare. - 5
Estimated take-home pay
75,000 − 17,532 = 57,468
How does this calculator work?
Illinois income tax is a flat 4.95% (2025) on income minus a $2,425 personal exemption per filer and dependent. Add federal progressive tax (10%–37% on 2025 brackets) and FICA (6.2% SS + 1.45% Medicare on wages) to get your total tax burden. A $75k single filer pays roughly $3,500 state, $10,300 federal, and $5,700 FICA — an ~26% effective rate. Figures are 2025 estimates.
Formula
How this is calculated
Illinois levies a flat 4.95% state income tax on net income (tax year 2025). Illinois does not allow a standard deduction, but it grants a personal exemption of $2,425 per filer and per qualifying dependent. Subtract those exemptions from gross income to get the Illinois-taxable base, then apply 4.95%.
Federal income tax is progressive. Your gross income minus the 2025 standard deduction ($14,600 single / $29,200 married filing jointly / $21,900 head of household) is taxed at graduated rates from 10% up to 37%. This calculator applies the IRS 2025 tax-bracket thresholds. It does not account for itemised deductions, above-the-line deductions, the standard deduction for dependents, alternative minimum tax, or most credits — actual liability may differ.
FICA covers Social Security at 6.2% on wages up to the 2025 wage base of $176,100, plus Medicare at 1.45% on all wages (with an additional 0.9% on wages above $200,000 for single filers and $250,000 for married joint filers). FICA applies to wage and salary income only — toggle it off for investment income, pension distributions, or Social Security benefits, which Illinois fully exempts from state tax.
Frequently asked questions
Illinois taxes most income at a flat rate of 4.95% (2025). There are no progressive state brackets. The personal exemption is $2,425 per filer and per qualifying dependent, which reduces the taxable base before applying the rate.
No. Illinois exempts Social Security benefits, most pension income, and qualified retirement account distributions (401(k), IRA, etc.) from state income tax. If your income includes these, you should only enter the taxable (non-exempt) portion for an accurate Illinois estimate.
These are simplified planning estimates. Actual taxes depend on itemised deductions, tax credits (Child Tax Credit, Earned Income Credit, Illinois earned income credit, education credits), investment gains, self-employment income, and many other factors. Use official tax software or a tax professional for your actual tax return.
Also known as
TG we-Calculate Editorial Team. (2026). Illinois Tax Calculator — State + Federal + FICA Estimate [Online calculator]. TG we-Calculate. https://we-calculate.com/calculator/illinois-tax-calculator
TG we-Calculate Editorial Team. "Illinois Tax Calculator — State + Federal + FICA Estimate." TG we-Calculate. 2026. https://we-calculate.com/calculator/illinois-tax-calculator.
TG we-Calculate Editorial Team, "Illinois Tax Calculator — State + Federal + FICA Estimate," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/calculator/illinois-tax-calculator
@misc{wecalculate_illinois_tax_calculator, title = {Illinois Tax Calculator — State + Federal + FICA Estimate}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/calculator/illinois-tax-calculator}}, year = {2026}, note = {TG we-Calculate} }
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