Illinois pay stub generator
Create a Illinois pay-stub PDF with flat state income tax handling, federal withholding, FICA, deductions, YTD totals, and net pay. The stub should match the income records behind it.
Create your pay stubIllinois tax overview
Tax structure
Illinois has a flat 4.95% state income tax rate applied to all income levels.
Top tax rate
4.95%
Maximum state income tax rate for Illinois residents.
Important notes
Illinois municipalities, Chicago included, levy no local income tax on wages, so a correct Illinois stub shows only the flat state rate plus federal taxes.
2026 Illinois income tax rates
Illinois levies a flat income tax of 4.95% on all taxable income, regardless of how much you earn.
2026 rates, single-filer schedule — the same tax tables our generator uses. Confirm against the Illinois revenue department before filing; your withholding shifts with filing status, deductions, and credits.
What's included in your Illinois pay stub
Federal income tax
Federal withholding is calculated from the gross pay, pay frequency, filing status, and deduction details you enter.
Illinois state income tax
flat state income tax handling for Illinois, based on the supported current bracket or rate schedule.
FICA taxes
Social Security and Medicare are shown as separate lines. 1099 contractor stubs show gross pay with no tax withheld.
Deductions & year-to-date
Show health insurance, retirement, and other deduction lines, plus YTD totals derived from the pay-period inputs.
Sample Illinois paycheck on a $60,000 salary
Single filer, bi-weekly pay (26 paychecks/year), no W-4 adjustments. Numbers come from the same calculator that generates your stub — see the pay-stub creator to plug in your own figures.
| Line | Per paycheck |
|---|---|
| Gross pay | $2,307.69 |
| Federal income tax | −$193.08 |
| Illinois state income tax | −$114.23 |
| Social Security (6.2%) | −$143.08 |
| Medicare (1.45%) | −$33.46 |
| Net pay (take-home) | $1,823.84 |
Annualized, that's about $47,420 in take-home pay on a $60,000 salary — with roughly $2,970 going to Illinois state income tax over the year. Numbers assume the 2026 IRS withholding tables and Illinois's flat rate schedule (top rate 4.95%); your actual withholding will shift with filing status, W-4 adjustments, pre-tax deductions, and YTD wages.
Where a Illinois stub fits
Loan applications
Use a current pay-period summary alongside bank statements, employer records, tax returns, or invoices so the reviewer can reconcile the numbers.
Mortgage approval
A mortgage file usually relies on tax returns, bank statements, credit, and debts. A stub can organize the recent income piece.
Rental applications
Property managers may ask for recent income periods. Use consecutive stubs that match deposits or payroll records.
Self-employment & freelance
Freelancers & self-employed individuals in Illinois can summarize invoice, platform, deposit, or business records in a payroll-style layout.
Create a Illinois pay stub preview
Generate the watermarked preview first. Pay $2.49 for the clean PDF only when the state tax line, deductions, YTD totals, and net pay match your records.
Create your pay stubYear-end forms
When the year closes, the same figures feed a Illinois employee's W-2 or a contractor's 1099-NEC. Preview is free; the clean PDF is $4.99 per form, or included with a subscription.
Illinois pay stub FAQs
- Does Illinois have a state income tax?
- Yes. Illinois applies a flat 4.95% state income tax to taxable income, in addition to federal income tax and FICA.
- What taxes are withheld on a Illinois pay stub?
- A Illinois pay stub itemizes federal income tax, Social Security (6.2%), and Medicare (1.45%), plus Illinois state income tax. Year-to-date totals for each line are included.
- Are employers required to provide a pay stub in Illinois?
- Illinois strengthened its wage-statement rules effective January 1, 2025: employers must furnish a pay stub for every pay period, retain copies for three years, and produce them on an employee's request — including for former employees. A correct Illinois stub also shows only the flat state rate alongside federal lines, because no Illinois municipality, Chicago included, levies a local income tax on wages.
- What is the take-home pay on a $60,000 salary in Illinois?
- A single filer earning $60,000 in Illinois takes home about $47,420 per year after federal tax, FICA, and state income tax — roughly $1,823.84 per bi-weekly paycheck. Your actual figure varies with filing status, deductions, and W-4 elections.
- Can I use a Illinois pay stub as proof of income?
- A Illinois pay stub can support an apartment, loan, or mortgage file when it reflects real earnings and matches the records behind it. Reviewers may still ask for bank statements, tax returns, employer records, invoices, or other source documents.
Illinois pay stub requirements
Pay stub required by state law
How often wages must be paid
Most employees must be paid at least semi-monthly; executive, administrative and professional staff may be paid monthly.
Sources
- Illinois Public Act 103-0953 — Wage Payment and Collection Act amendment
- U.S. Department of Labor — State payday requirements
Summarized from the sources above for general information. Wage statement law changes — verify against the primary source before relying on it. This is not legal advice.
Generating pay stubs in a nearby state?
Tax rules vary from one state to the next. Pick the right calculator for the state where the work was performed.