Chicago Salary Calculator — Take-Home Pay After IL Tax 2026

Chicago Salary Calculator: Your Take-Home Pay

Chicago sits in Illinois, which charges a flat 4.95% income tax — and the city levies no income tax on wages. Enter your salary to see your net pay after federal tax, FICA and IL state tax.

● IL flat 4.95% ● No city wage income tax ● 2026 figures

🌭 Chicago take-home pay

Chicago rules

How taxes hit a Chicago paycheck in 2026

Chicago is in Illinois, which taxes income at a single flat 4.95% rate. Despite its size, Chicago does not levy a personal income tax on wages, so your pay stub carries federal taxes plus just the 4.95% Illinois line.

Illinois' flat 4.95% rate

Illinois applies the same 4.95% to all net income after a per-person exemption (about $2,850 for 2026). There are no graduated brackets, so a Chicago worker's marginal and effective state rates are close together. Retirement income is exempt from Illinois tax.

The Chicago cost of living

Chicago's cost of living sits modestly above the national average — higher than most of the Midwest but well below the coasts. Housing is more affordable than in New York or California cities, though Cook County sales taxes are among the highest in the nation.

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Compare before you move: Chicago's flat 4.95% lands between no-tax cities like Houston and high-tax ones like New York City. Compare take-home, not gross, when weighing offers.

Compare Chicago with other places

Run your salary through no-tax Houston, high-tax New York City, or the statewide Illinois calculator.

Chicago salary calculator FAQ

Does Chicago have a city income tax?

No. Chicago does not levy a personal income tax on wages. Your paycheck is reduced by federal income tax, FICA and Illinois' flat 4.95% state income tax — there is no separate Chicago wage income tax.

What is the Illinois income tax rate in Chicago?

Illinois uses a single flat rate of 4.95% on net income after a per-person exemption (about $2,850). Chicago residents pay this same 4.95% with no additional city income tax.

How much is taken out of a paycheck in Chicago?

A Chicago paycheck is reduced by federal income tax, 6.2% Social Security, 1.45% Medicare and Illinois' 4.95% flat tax. On a $72,000 single salary, total deductions are roughly 23% to 25%.

What is the take-home pay on $100,000 in Chicago?

A single filer earning $100,000 in Chicago takes home roughly $73,000 to $74,000 a year after federal tax, FICA and Illinois' 4.95% flat tax. Use the calculator above for your exact figure.