🧮 Calculate Your Illinois Freelancer Taxes
Select Illinois in the state dropdown for an instant breakdown of all your taxes.
Open the Calculator →Illinois Freelancer Tax Rates 2026
Illinois uses a flat state income tax of 4.95% — every dollar of income is taxed at the same rate, regardless of how much you earn.
| Tax Type | Rate | Notes |
|---|---|---|
| Self-Employment Tax | 15.3% | Federal — Social Security + Medicare |
| Federal Income Tax | 10% – 37% | Progressive brackets, standard deduction applied |
| Illinois State Income Tax | 4.95% | Flat rate — same for all income levels |
| Chicago City Income Tax | 0% | Chicago has no personal income tax |
Example: Illinois Freelancer Earning $75,000 (2026)
| Tax Component | Amount |
|---|---|
| Self-Employment Tax (15.3%) | $10,597 |
| Federal Income Tax | $6,504 |
| Illinois State Tax (4.95%) | $3,305 |
| Total Tax | $20,406 |
| Take-Home Pay | $54,594 |
| Effective Total Rate | 27.2% |
Illinois 1099 Tax Details 2026: Brackets, Deductions & Rankings
Illinois uses a flat 4.95% income tax: no brackets to climb, the same rate at $20,000 as at $200,000.
Illinois offers no state standard deduction, so tax applies from the first dollar of adjusted gross income. A personal exemption of $2,925 single / $5,850 married also reduces taxable income.
At $75,000 net profit, Illinois ranks #48 of 51 jurisdictions for total 1099 tax burden (rank 1 = lowest). A single freelancer pays $3,305 in state tax on top of $17,101 federal — $20,407 total, a 27.2% effective rate.
What a single freelancer pays in Illinois (2026)
| Net profit | Illinois state tax | Total tax (SE + federal + state) | Take-home | Effective rate |
|---|---|---|---|---|
| $50,000 | $2,155 | $12,616 | $37,384 | 25.2% |
| $75,000 | $3,305 | $20,407 | $54,593 | 27.2% |
| $100,000 | $4,456 | $30,201 | $69,799 | 30.2% |
| $150,000 | $6,756 | $50,141 | $99,859 | 33.4% |
Single filer, standard deduction, no QBI or other deductions. Computed with the same 2026 engine as the calculator.
How Illinois compares to its neighbors at $75,000
| State | State tax | Total tax | vs Illinois |
|---|---|---|---|
| Wisconsin | $2,314 | $19,415 | $992 less |
| Indiana | $2,027 | $19,128 | $1,279 less |
| Missouri | $2,339 | $19,440 | $967 less |
| Iowa | $1,997 | $19,098 | $1,309 less |
Sources: IRS Rev. Proc. 2025-32 (federal brackets & standard deduction), SSA 2026 wage base ($184,500), Tax Foundation 2026 state individual income tax data, and the Illinois Department of Revenue. Last updated July 2, 2026.
Illinois Freelancer FAQ
What is the Illinois income tax rate for freelancers in 2026?
Illinois charges a flat 4.95% state income tax on all income levels. Unlike progressive states like New York or California, every dollar of freelance income in Illinois is taxed at the same 4.95% rate — making tax planning straightforward.
Do Chicago freelancers pay a city income tax?
No. Chicago does not have a personal income tax. Chicago and all Illinois freelancers pay only the state flat rate (4.95%) plus federal taxes. No additional city income tax applies to freelance earnings.
How much tax does an Illinois freelancer earning $75,000 pay?
An Illinois freelancer earning $75,000 pays approximately $10,597 in SE tax, $6,504 in federal income tax, and $3,305 in Illinois state income tax — totaling about $20,406, or an effective rate of roughly 27.2%. Take-home pay is approximately $54,594.
Ready to See Your Exact Illinois Tax Numbers?
Use our free calculator — select Illinois for your full federal + state breakdown.
Calculate My Illinois Taxes →📐 How we calculate Illinois's numbers
This tool applies Illinois's flat 2026 state income tax rate of 4.95% to the correct income base — with its standard deduction and exemptions — on top of federal and self-employment tax, so your estimate reflects what you'd actually owe.
- Federal brackets & standard deduction: IRS Rev. Proc. 2025-32 (2026)
- Self-employment tax: 15.3% with the 92.35% net-earnings adjustment, the 50% SE-tax deduction, and the 0.9% Additional Medicare Tax — per IRS rules
- Social Security wage base: $184,500 for 2026 (SSA)
- Illinois income tax: flat 4.95% for 2026, per the state Department of Revenue and the Tax Foundation
Built & maintained by Rahul B.
A software developer who got tired of “free” 1099 calculators that use lazy flat rates and give wrong numbers — so I built one on the actual 2026 IRS brackets and real state-by-state rates, updated every tax year. More about this tool →
Last reviewed for tax year 2026 · Independent tool — not affiliated with the IRS. Estimates for planning only; verify with a tax professional before filing.