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TaxWren

2026 tax year · updated

Illinois 1099 tax calculator

Illinois has a flat income tax of 4.95%. Estimate your self-employment, federal and Illinois taxes below.

$
Filing status
Make it more accurate

Estimated take-home

25.4% effective

For $85,000 of 1099 income · Single · Illinois

$63,435

$5,286 per month

Set aside 25% of every payment

That covers federal, self-employment and state tax on this income.

Self-employment tax
$12,010
Federal income tax
$5,790
State income tax
$3,765
Total estimated tax
$21,565

2026 quarterly payments (Form 1040-ES)

  • Q1 · due Apr 15, 2026

    $5,391

    Covers Jan 1 – Mar 31

  • Q2 · due Jun 15, 2026

    $5,391

    Covers Apr 1 – May 31

  • Q3 · due Sep 15, 2026

    $5,391

    Covers Jun 1 – Aug 31

  • Q4 · due Jan 15, 2027

    $5,391

    Covers Sep 1 – Dec 31

What this estimate assumes
  • Standard deduction (no itemizing)
  • No employees or business property (QBI wage limits treated as zero)
  • No child tax credit
  • No local income tax
  • Excludes 2025 law deductions for tips, overtime, seniors and car loan interest

Estimate for information only, not tax advice. 2026 figures from IRS Rev. Proc. 2025-32.

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Taxes for Illinois freelancers in 2026

Single filers get a personal exemption of $2,925.

On $85,000 of 1099 profit, a single filer owes about $3,765 in Illinois income tax on top of $17,800 in federal taxes. That ranks 46th lowest of 51 (50 states and DC), $1,037 more than the median state.

Every neighboring state with a different tax charges less on the same income; Indiana would save $1,465 a year.

Illinois income tax brackets for 2026

Illinois income tax rates by taxable income
RateSingle: taxable income overMarried jointly: over
4.95%$0$0

Illinois vs. neighboring states

Tax on $85,000 of 1099 profit for a single filer in 2026. The median across all 50 states and DC is $2,729 of state income tax.

Tax on $85,000 of 1099 profit by state
StateState taxTotal taxTake-home
Illinois$3,765$21,565$63,435
Iowa$2,350$20,150$64,850
Indiana$2,301$20,101$64,899
Kentucky$2,647$20,447$64,553
Missouri$2,775$20,575$64,425
Wisconsin$2,806$20,606$64,394

How Illinois taxes changed

Illinois's rates and deductions did not change for 2026. State tax on $85,000 of 1099 profit falls from $3,769 to $3,765 (−$4).

Illinois income tax on $85,000 of 1099 profit
2025: $3,769$3,76920252026: $3,765$3,7652026
Take-home pay on a $75,000 salary
2025: $57,742$57,74220252026: $58,025$58,0252026
Illinois income tax by year
20252026
Top income tax rate4.95%4.95%
Standard deduction (single)——
State tax on $85,000 of 1099 profit$3,769$3,765
Take-home on a $75,000 salary$57,742$58,025

Each year uses that year's federal and Illinois rules, so the take-home row also reflects federal changes. Federal changes · All data updates

Sources: Illinois revenue department, Tax Foundation, State Individual Income Tax Rates and Brackets, IRS Rev. Proc. 2025-32. See our methodology.

Illinois 1099 tax FAQ

Does Illinois have a state income tax?

Illinois has a flat income tax of 4.95%.

How much should a freelancer in Illinois set aside for taxes?

A single filer with $85,000 of 1099 profit and no other income should set aside about 25% of every payment in 2026: $12,010 self-employment tax, $5,790 federal income tax and $3,765 Illinois income tax. Use the calculator for your own income, expenses and filing status.

What is the top Illinois income tax rate in 2026?

4.95%. Illinois has a flat income tax of 4.95%.

Do I need to make estimated tax payments to Illinois?

Generally yes, if you expect to owe state tax that is not covered by withholding. Illinois sets its own thresholds and due dates; check the Illinois revenue department's estimated payment rules.