🧮 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 | $6,949 |
| Illinois State Tax (4.95%) | $2,708 |
| Total Tax | $20,254 |
| Take-Home Pay | $54,746 |
| Effective Total Rate | 27.0% |
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, $6,949 in federal income tax, and $2,708 in Illinois state income tax — totaling about $20,254, or an effective rate of roughly 27%. Take-home pay is approximately $54,746.
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