Illinois income tax calculator
Estimate your 2026 Illinois and federal income tax and whether you will get a refund. A single filer earning $75,000 owes about $3,568 in Illinois income tax and $7,676 in federal income tax.
By John Crane, MBA & the Editorial Team · Updated for the 2026 tax year. How we check our numbers
Estimated federal amount owed
$876.00
Federal tax $9,876 · Illinois owed $4,063
| Federal tax | $9,876 | 11.6% |
|---|---|---|
| Illinois and local tax | $4,063 | 4.8% |
| Income after these taxes | $71,061 | 83.6% |
- Adjusted gross income
- $85,000
- Taxable income
- $68,900
- Deduction used
- Standard $16,100
- Federal bracket
- 22%
- Effective federal rate
- 11.6%
- IL tax after credits
- $4,063
Where your federal tax comes from
Ordinary income by bracketFederal return summary
Form 1040, 2026| Line | Amount |
|---|---|
| Total income | $85,000.00 |
| Adjustments | -$0.00 |
| Adjusted gross income | $85,000.00 |
| Standard deduction | -$16,100.00 |
| Taxable income | $68,900.00 |
| Income tax | $9,876.00 |
| Total federal tax | $9,876.00 |
| Withholding and estimated payments | $9,000.00 |
| Federal amount owed | $876.00 |
Illinois return
2026 rules| Line | Amount |
|---|---|
| State taxable income | $82,075.00 |
| Tax before credits | $4,062.71 |
| State tax after credits | $4,062.71 |
| State withheld | $0.00 |
| State amount owed | $4,062.71 |
Income tax in Illinois
- Illinois taxes income at a flat 4.95% of federal AGI after Illinois adjustments, with no standard or itemized deductions.
- The 2026 exemption is $2,925 per person and dependent, plus $1,000 for those 65 or older or blind, but it disappears entirely above $250,000 of federal AGI ($500,000 joint).
- Social Security and most retirement income, including 401(k), IRA and pension distributions, are fully subtracted, and the federal tips, overtime and senior deductions do not apply.
- Refundable credits include an EITC of 20% of the federal credit and a child tax credit of 40% of the Illinois EITC for children under 12, and homeowners get a 5% credit for residential property tax.
2026 income tax at common incomes (wages only, standard deduction)
| Income | Federal tax, single | Illinois tax, single | Illinois rate, single | Illinois tax, married |
|---|---|---|---|---|
| $40,000 | $2,623 | $1,835 | 4.6% | $1,690 |
| $60,000 | $5,023 | $2,825 | 4.7% | $2,680 |
| $75,000 | $7,676 | $3,568 | 4.8% | $3,423 |
| $100,000 | $13,176 | $4,805 | 4.8% | $4,660 |
| $150,000 | $24,734 | $7,280 | 4.9% | $7,135 |
Rates
Top rate 4.95%. At $75,000 of wages, each extra $1,000 adds about $50 of Illinois tax.
Family example
A married couple earning $60,000 with two children and $4,000 of child care: Illinois tax of $2,391 before credits, credits of Illinois EITC ($248), for $2,142 owed.
Local income tax
None figured on the Illinois return.
Examples assume wages only, the standard deduction and no other income. See what comes out of each check in the Illinois paycheck calculator.
More for Illinois: Illinois paycheck calculator · Illinois mortgage calculator · Illinois home affordability calculator
Income tax calculators for other states
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How this is calculated
Federal return
The 2026 Form 1040: standard or itemized deduction, the new Schedule 1-A deductions, tax rates, child tax credit, child and dependent care credit and EITC.
Illinois
Illinois's 2026 resident return: its starting point, Social Security and retirement adjustments, deductions, exemptions, rates and main credits.
Sources
Official Illinois tax guidance (2 sources), checked for 2026.
Sources
Related guides
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- 2026 federal income tax brackets and standard deductionThe 2026 tax brackets for every filing status, the standard deduction, how marginal rates really work, and what a typical household pays.
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- How to adjust your W-4 so you don't owe at tax timeWhat each step of the 2026 Form W-4 does, how to fix withholding that is too low or too high, and worked examples for two jobs, kids and side income.
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- States with no income tax, and what they charge insteadThe nine states with no tax on wages, how much a typical worker saves there, and the sales, property and other taxes that make up the difference.
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- The 2026 SALT deduction cap, explainedThe $40,000 cap on deducting state and local taxes, how it shrinks above $500,000 of income, who should itemize now, and what it saves by state.
Questions
How much Illinois income tax do I pay on $75,000?
About $3,568 for a single filer with only wage income and the standard deduction (4.8% of income), or $3,423 for a married couple filing jointly on the same income. Federal income tax on $75,000 for a single filer is about $7,676.
What is Illinois's top income tax rate in 2026?
4.95% on the highest incomes. At $75,000 of wages, each extra $1,000 adds about $50 of Illinois tax.
Does Illinois tax Social Security and retirement income?
A single retiree aged 67 with $30,000 of Social Security and $30,000 of pension or IRA withdrawals owes no Illinois income tax in 2026 once the state's exclusions, deductions and rates are applied.