Chicago Per Diem Calculator and Rates

Calculate Chiacgo's per diem rate based on GSA guidelines to simplify your business travels.

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As a global financial center and a major hub for commerce, conventions, and culture, Chicago is a top-tier destination for business travel. Navigating travel expenses in this world-class city requires a clear and compliant strategy. 

Per diem, a daily allowance for lodging, meals, and incidental expenses, is the standard used by the federal government and many private businesses to manage these costs effectively. This guide offers a detailed look at the per diem rates for Chicago, the important Illinois laws every employer must follow, and how automation can streamline the entire process.

Chicago Per Diem Rates

Chicago is designated as a Non-Standard Area (NSA) by the U.S. General Services Administration (GSA), with its own specific per diem rates that are significantly higher than the standard U.S. rate. These rates are mandatory for federal employees and serve as a crucial benchmark for private companies, especially given Illinois's own laws requiring expense reimbursement.

For Fiscal Year 2025 (October 1, 2024, to September 30, 2025), the rates are as follows:

Chicago Area Rates (Cook & Lake Counties)

  • M&IE: The Meals and Incidental Expenses rate is $92 per day.
  • Lodging: The maximum lodging allowance is highly seasonal:
    • $234 per night for the peak season (April - June).
    • $223 per night (October - November & September).
    • $202 per night (July - August).
    • $142 per night for the off-season (December - March).
  • First and Last Day of Travel: On the first and last day of a trip, the M&IE allowance is calculated at 75% of the full daily rate, which amounts to $69.00.

Chicago Per Diem Rate Calculator

To find the precise per diem allowance for your trip to Chicago, our calculator provides instant, accurate results based on the official GSA schedule.

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Your per diem allowance

Dates
Lodging (L)
Meals & Incidentals (M&IE)
Total (L + M&IE)
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Lodging (L)
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Meals & Incidentals (M&IE)
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Total (L + M&IE)
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*For the first and last day of travel, M&lE spend is limited to 75% of its normal, daily allowance.

Chicago GSA Lodging Rates

Financial year
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County
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Chicago Meals and Incidental Rates

Financial year
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County
Daily M&IE Total
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Some Important Chicago Per Diem Laws

Private employers in Chicago are governed by Illinois state law, which provides strong protections for employees regarding business expenses.

  • Mandatory Expense Reimbursement (Illinois Expense Reimbursement Act): This is the key statute. Illinois law requires employers to reimburse employees for all "necessary expenditures or losses incurred" directly related to their job duties. This means that if an employee incurs a necessary expense for travel, lodging, or meals, the employer is legally obligated to cover that cost.
  • Company Policy: While reimbursement is mandatory, employers can implement a formal travel and expense policy. However, this policy must not be "so restrictive that it prevents reimbursement for all necessary expenditures." Using a per diem system is acceptable, but it must be sufficient to cover the actual costs an employee reasonably incurs.
  • Minimum Wage: Illinois has a state minimum wage that is higher than the federal standard. As of January 1, 2025, the state minimum wage will be $15.00 per hour. The City of Chicago has its own higher rate, which is $16.20 per hour. This provides a very high floor of protection for employees.

Chicago Per Diem Laws vs Federal Law

The legal framework in Illinois is unique because both state and federal laws create strong obligations for employers.

Primary Applicability

  • Federal Law (GSA): Mandatory for all U.S. federal government employees on official business in Chicago.
  • Illinois Law: Mandatory for almost all private-sector employees in Chicago, requiring employers to reimburse necessary business expenses.

Rate Setting and Usage

  • Federal Law (GSA): The GSA sets specific, non-negotiable per diem rates for Chicago that federal agencies must use.
  • Illinois Law: The state does not set its own per diem rates, but it does require reimbursement. Therefore, employers must use a method (like paying actual costs or using a per diem system) that fully covers the employee's necessary expenses. Using the GSA rates is a very common and highly defensible way to meet this legal requirement.

Legal Foundation

  • Federal Law (GSA): A comprehensive regulatory system designed to standardize and control government travel costs.
  • Illinois Law: A protective framework ensuring employees are not forced to subsidize their employer’s business operations by paying for travel or other necessary expenses out of their own pockets.

How Fyle Can Automate Per Diem and Expense Tracking

Given Illinois's mandatory reimbursement laws and Chicago's high travel costs, an automated expense management system is a critical compliance tool. Fyle’s platform ensures your company meets its legal obligations while simplifying the process for everyone.

Fyle helps you master Chicago per diem and expense tracking:

  • Ensure Full Compliance: With Illinois law requiring reimbursement, Fyle helps you create an accountable plan. It automatically applies the correct GSA rates for Chicago, ensuring your per diem policy is fair, consistent, and meets legal standards.
  • Automated and Accurate Rate Calculation: Fyle eliminates manual errors by instantly calculating the correct per diem based on travel dates, including Chicago's complex seasonal lodging rates and the 75% M&IE rule.
  • Effortless Expense Submissions: Empower your employees to report expenses in real-time. A simple photo of a receipt from Fyle’s mobile app or a forwarded email is all it takes to create an expense entry, making compliance easy for your traveling team.
  • Proactive Policy Enforcement: Build your travel policy directly into Fyle. The platform acts as your first line of defense, checking every expense against your rules before submission, preventing out-of-policy spend and reducing the burden on your finance team.
  • IRS-Compliant Mileage Tracking: For employees driving for business in the Chicago area, Fyle’s Google Maps-powered mileage tracker offers an easy and accurate way to log trips for reimbursement.
  • Direct Accounting Integration: Fyle syncs seamlessly with all major accounting software, including NetSuite, QuickBooks, Xero, and Sage Intacct. All approved per diem and travel data flows directly into your general ledger, saving time and ensuring financial accuracy.

With Fyle, you can confidently manage your Chicago travel expense process, ensuring you meet your legal obligations while providing a modern, hassle-free experience for your employees.

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The content on this page is for informational use. As legal standards and per diem rates are subject to change, users should verify current details with official GSA or government resources. This information does not serve as financial or legal counsel.