Illinois, Georgia, North Carolina, Michigan, Virginia, Massachusetts, Missouri, Maryland, Wisconsin, Oregon, Oklahoma, Kansas, Mississippi, Nebraska, Maine & Delaware Retirement Income Tax Calculator
Illinois exempts Social Security but taxes other retirement income.
Illinois, Georgia, North Carolina, Michigan, Virginia, Massachusetts, Missouri, Maryland, Wisconsin, Oregon, Oklahoma, Kansas, Mississippi, Nebraska, Maine, Delaware share this page.
Their rules produce the same answer to within a rounding difference, so publishing
separate near-identical pages would add URLs without adding information. Every figure
below applies to all 16 states.
Illinois retirement income tax estimator
Illinois exempts Social Security but taxes other retirement income.
Illinois tax —
After state tax —
Effective state rate —
Illinois at a glance
| Figure | Illinois | Source |
|---|---|---|
| Taxes Social Security? | No | [2] |
| Top marginal rate | 4.95% | [2] |
| Taxes pension income? | Generally yes | [2] |
| Cost of living index | 95.1 | [1] |
Illinois highlighted. Same data as the table below, shown as a distribution so the comparison is visible at a glance.
Highlighted: Illinois, ranked 23 of 50. Median 4.55%.
Illinois state tax by retirement income mix
Annual Illinois tax on each combination of Social Security and other retirement income.
| Social Security | No other income | +$10,000 other | +$20,000 other | +$30,000 other | +$45,000 other | +$60,000 other | +$80,000 other | +$110,000 other |
|---|---|---|---|---|---|---|---|---|
| $9,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $12,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $15,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $18,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $21,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $24,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $27,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $30,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $33,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $36,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $39,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $42,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $45,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $48,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
| $54,000 | $0 | $495 | $990 | $1,485 | $2,228 | $2,970 | $3,960 | $5,445 |
Worked figures for Illinois
Illinois values:
| Profile | Gross | State Tax | Net | Effective |
|---|---|---|---|---|
| $18,000 SS + $0 pension + $5,000 401k | $23,000 | $248 | $22,753 | 1.08% |
| $24,000 SS + $0 pension + $10,000 401k | $34,000 | $495 | $33,505 | 1.46% |
| $24,000 SS + $12,000 pension + $10,000 401k | $46,000 | $1,089 | $44,911 | 2.37% |
| $30,000 SS + $20,000 pension + $15,000 401k | $65,000 | $1,733 | $63,268 | 2.67% |
| $30,000 SS + $30,000 pension + $20,000 401k | $80,000 | $2,475 | $77,525 | 3.09% |
| $36,000 SS + $40,000 pension + $25,000 401k | $101,000 | $3,218 | $97,783 | 3.19% |
| $42,000 SS + $50,000 pension + $40,000 401k | $132,000 | $4,455 | $127,545 | 3.38% |
| $48,000 SS + $60,000 pension + $50,000 401k | $158,000 | $5,445 | $152,555 | 3.45% |
How Illinois compares nationally
On top marginal income tax rate, Illinois ranks #23 of 50 at 4.95% — 9% above the median of 4.55%. The national range runs from 0.00% (Wyoming) to 13.30% (California).
| Rank | State | Top marginal income tax rate |
|---|---|---|
| #21 | Alabama | 5.00% |
| #22 | Georgia | 4.99% |
| #23 | Illinois | 4.95% |
| #24 | Missouri | 4.70% |
| #25 | West Virginia | 4.58% |
Exempts Social Securitys, ranked
Same rule structure as Illinois:
| State | Top marginal income tax rate | vs Illinois |
|---|---|---|
| California | 13.30% | +168.7% |
| South Carolina | 5.21% | +5.3% |
| Illinois | 4.95% | — |
Illinois questions, answered with Illinois numbers
Does Illinois tax Social Security?▾
No. Illinois exempts Social Security, though other retirement income is generally taxable.
What would a $65,000 retirement income cost in Illinois tax?▾
On $30,000 Social Security, $20,000 pension and $15,000 of 401(k) withdrawals, Illinois would take about $1,733 — an effective state rate of 2.67%, leaving $63,268.
Is Illinois a good state to retire in on taxes alone?▾
Illinois's top marginal rate is 4.95% and its cost of living index is 95.1. Tax is only one input — housing at a $299,000 median matters at least as much.
Other exempts social securitys
Last reviewed 2026-08-27. Illinois figures only — verify with the relevant Illinois agency before acting. How this is calculated.