Overtime Pay Calculator — Illinois (2026)
Overtime in Illinois starts with the federal FLSA floor: 1.5× your regular rate for every hour beyond 40 in a workweek. Some states add daily overtime or double-time rules on top. This calculator shows gross overtime pay and what survives federal, FICA and Illinois taxation in 2026. Illinois uses a flat personal income tax of 4.95% applied to taxable income after a state standard deduction of $0.
Illinois Overtime Pay Calculator
Your base pay per hour.
Hours beyond 40 in the workweek.
Overtime rules that apply in Illinois
Illinois follows the federal weekly standard: overtime is owed after 40 hours in a workweek, with no general daily overtime requirement.
The "regular rate" is not just your base hourly wage — non-discretionary bonuses, shift differentials and commissions must be folded in before multiplying by 1.5, which raises the true overtime rate for many finance workers around Chicago.
Is overtime taxed more in Illinois?
No — overtime is ordinary wages. It can feel over-taxed because per-period withholding tables annualize a big check as if every week looked like that, temporarily withholding at a higher rate that you recover at filing.
The Illinois layer applies to overtime exactly as to base pay, at rates up to 4.95%.
Exempt vs non-exempt in Illinois
Salaried does not mean exempt. To be exempt from overtime a worker must clear both a salary threshold and a duties test; misclassification is one of the most common wage claims filed in Illinois.
Cost of living in Illinois sits 7% below the national average (index 93), median household income is $80,306, and a one-bedroom apartment in Chicago rents for roughly $1,950 a month.
Local and payroll taxes Illinois adds on top
Illinois adds no state-mandated employee payroll deduction beyond FICA, so nothing extra is taken from your gross pay at the state level.
Illinois has no separate city or county income tax, so the state figure above is the full sub-federal income tax you pay.
Overtime hours carry exactly the same local withholding as regular Illinois hours; the extra pay is taxed at your marginal rates, not at a special penalty rate, even though the deduction line looks bigger.
Working across a state line from Illinois
Illinois holds income-tax reciprocity agreements with Iowa, Kentucky, Michigan and Wisconsin. If you commute between them, your wages are taxed only by your state of residence — file the exemption certificate with your employer so the wrong state is not withheld from every paycheck.
Remote and hybrid work complicates this further: most states tax income where the work is physically performed, so a Chicago resident spending part of the year at a client site in Indiana may owe a nonresident return there. Keep a day-count log if you split time between states.
The rest of your Illinois tax bill
Illinois charges a 6.25% state sales tax, homeowners pay an average effective property tax of 2.07% of market value, and the minimum wage in force during 2026 is $15.00 an hour.
Chicago's combined rate reaches 10.25%, among the highest in the country.
Income tax is only one part of a state's take. Illinois recovers revenue through sales and property tax as well, which is why headline income tax rates alone are a poor guide to how far a salary really goes. Illinois does not tax retirement income at all — Social Security, pensions, 401(k) and IRA withdrawals are exempt from the flat tax.
Illinois vs Indiana on the same salary
On a $75,000 salary, a single filer keeps about $57,880 a year in Illinois against roughly $59,343 in Indiana — a difference of $1,463, or $122 a month.
Effective combined rates are 22.8% in Illinois and 20.9% in Indiana. Set that gap against living costs: index 93 here versus 90 there, with property tax at 2.07% and 0.84% respectively.
Illinois income tax brackets 2026 (single filer)
| Taxable income | Rate |
|---|---|
| $0 and up | 4.95% |