Chicago Paycheck Calculator
Chicago levies no income tax at all. Despite being the third-largest city in the country, a Chicago paycheck carries exactly one state line — Illinois's flat 4.95% — and nothing local.
Tax year 2026 · Updated 2026-08-29 · Chicago minimum wage $16.60
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Local income tax in Chicago
No Illinois municipality taxes wages. Chicago funds itself through property tax, sales tax and a long list of specific levies including the amusement tax and the personal property lease transaction tax, none of which touch payroll. The city does set its own minimum wage above the state figure, and Cook County has a separate ordinance.
Take-home pay in Chicago at different salaries
Single filer, no dependents, no pre-tax deductions, 2026 tax year, bi-weekly pay.
| Gross salary | Federal | FICA | IL tax | Local tax | Annual take-home | Bi-weekly |
|---|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,835 | $0 | $32,485 | $1,249.41 |
| $55,000 | $4,420 | $4,208 | $2,578 | $0 | $43,795 | $1,684.41 |
| $70,000 | $6,570 | $5,355 | $3,320 | $0 | $54,755 | $2,105.95 |
| $90,000 | $10,970 | $6,885 | $4,310 | $0 | $67,835 | $2,609.03 |
| $120,000 | $17,570 | $9,180 | $5,795 | $0 | $87,455 | $3,363.65 |
| $160,000 | $27,134 | $12,240 | $7,775 | $0 | $112,851 | $4,340.41 |
Working in Chicago but living elsewhere
With no local income tax to worry about, the cross-border question in Chicago is purely a state one. Your work state generally taxes the income at source and your home state taxes your worldwide income while granting a credit — unless the two have a reciprocity agreement, in which case only your home state withholds.
Our guide to working in two states covers resident credits, part-year returns and the convenience-of-the-employer rules that catch out remote workers.
Chicago minimum wage
The minimum wage that applies in Chicago for 2026 is $16.60 an hour, above the Illinois state rate of $15.00. At full-time hours that is $34,528 of gross pay a year and roughly $28,359 after tax.
Frequently asked questions
Does Chicago have a city income tax?
No. Chicago levies no municipal income tax on wages.
How much is taken out of a paycheck in Chicago?
On a $75,000 salary a single filer has roughly $16,975 withheld a year: $7,670 federal income tax, $5,738 in Social Security and Medicare, $3,568 in Illinois state tax and premiums. Take-home is about $58,025 a year, or $2,231.72 every two weeks.
What is the total income tax rate in Chicago?
For a $75,000 single filer, an effective total rate of about 22.6% across federal, FICA, state and local tax. The marginal rate on the next dollar is higher.
Related calculators
For the full Illinois picture including brackets, reciprocity and every local jurisdiction, see the Illinois paycheck calculator. If you are paid by the hour, the Illinois hourly calculator handles overtime and shift work.