Knowing exactly how much of your gross income you’ll take home after taxes is essential for budgeting, financial planning, and salary negotiations. If you live or work in Illinois, understanding both state and federal tax deductions can help you plan smarter.
That’s where our Illinois Net Income Calculator comes in. This free online tool quickly determines your net pay by subtracting your state and federal tax amounts from your gross income. No complicated formulas, no guesswork—just accurate results in seconds.
Illinois Net Income Calculator
How to Use the Illinois Net Income Calculator – Step by Step
Using the tool is straightforward. Here’s how:
- Enter Your Gross Income
Type your annual, monthly, or weekly gross income in the “Gross Income” field. This is your total earnings before any deductions. - Input the State Tax Rate
In Illinois, the state income tax rate is currently 4.95% (as of 2025). You can adjust this number if laws change or if you want to run different scenarios. - Input the Federal Tax Rate
Federal tax rates vary depending on your income bracket. If you know your effective federal tax rate, enter it here. Otherwise, you can estimate using your IRS tax bracket. - Click “Calculate”
The calculator will instantly show:- Total Tax Amount (state + federal)
- Net Income (your take-home pay)
- Reset for New Calculations
Use the “Reset” button to clear the form and start a new calculation.
Practical Example
Let’s say you earn $65,000 per year:
- Gross Income: $65,000
- State Tax Rate: 4.95%
- Federal Tax Rate: 12%
Calculation:
- State Tax: $65,000 × 4.95% = $3,217.50
- Federal Tax: $65,000 × 12% = $7,800
- Total Tax: $11,017.50
- Net Income: $65,000 − $11,017.50 = $53,982.50
With this information, you can plan your budget, savings, and investments more effectively.
Helpful Information About Illinois Income Tax
- Flat Rate: Illinois uses a flat tax rate of 4.95% for all taxpayers, regardless of income level.
- No Local Income Tax: Unlike some states, Illinois doesn’t impose city or county income taxes.
- Deductions & Credits: You may qualify for deductions or credits that reduce your effective tax rate, such as retirement contributions or education credits.
- Federal Taxes Still Apply: Even though Illinois tax is flat, your federal tax rate will vary depending on your taxable income bracket.
Use Cases for the Illinois Net Income Calculator
- Salary Negotiations – See how a raise impacts your net pay.
- Job Comparisons – Compare offers from different employers.
- Budget Planning – Know your after-tax income for accurate budgeting.
- Freelance & Contract Work – Estimate taxes on variable income.
- Relocation Decisions – Compare Illinois taxes to other states.
Frequently Asked Questions (FAQs)
1. What is the current Illinois state income tax rate?
As of 2025, Illinois has a flat state income tax rate of 4.95%.
2. Does this calculator include Social Security and Medicare taxes?
No, this tool focuses on state and federal income taxes only. Payroll taxes like Social Security and Medicare are separate.
3. Can I use this calculator for hourly wages?
Yes. Multiply your hourly wage by the number of hours you work in a year, then enter that as your gross income.
4. Is the Illinois tax rate the same for everyone?
Yes, Illinois uses a flat rate, so all taxpayers pay the same percentage.
5. How do I find my federal tax rate?
Check the IRS tax bracket chart for your filing status, or use your effective rate from last year’s tax return.
6. Does this tool work for both salary and self-employed income?
Yes, but self-employed individuals should also consider self-employment taxes.
7. Can this calculator be used for monthly budgeting?
Absolutely. Just enter your monthly gross income instead of your annual amount.
8. Does the calculator account for deductions?
No, it calculates based on the gross income you enter. You can adjust your gross income to reflect deductions.
9. Is Illinois the only state with a flat tax rate?
No, several states have flat income tax rates, but Illinois is one of them.
10. How accurate is the net income result?
It’s highly accurate for the rates you enter, but real-life paychecks may differ due to deductions or benefits.
11. Does the calculator store my data?
No, it’s a simple client-side tool that does not save your information.
12. Can I use this tool for past years?
Yes, just enter the applicable tax rates for that year.
13. Does Illinois have different rates for different filing statuses?
No, the flat rate applies to all filing statuses.
14. Will the Illinois tax rate change in the future?
It’s possible. Rates can change due to new laws, so always check the latest official information.
15. What’s the difference between gross income and net income?
Gross income is before taxes; net income is after taxes.
16. Does this calculator adjust for inflation?
No, it simply applies the percentage rates to your income.
17. Is this calculator free to use?
Yes, it’s completely free and requires no sign-up.
18. Can it calculate taxes for other states?
This version is designed for Illinois, but you can change the state tax rate to simulate other states.
19. What’s the best way to increase my net income?
Increase gross income, reduce taxable income through deductions, or relocate to a state with lower taxes.
20. Does Illinois tax retirement income?
Currently, most retirement income is not taxed in Illinois, but you should confirm with official state guidelines.