Last updated: September 2026

Pennsylvania Paycheck Calculator

On $75,000, Pennsylvania withholds a flat 3.07%, about $2,303 a year, leaving roughly $59,290 after federal and state tax, or $2,280 every two weeks. Two things change that for most people: the local earned income tax where you live and work, and, in Philadelphia, a city wage tax bigger than the state's.

Pennsylvania tax data current for 2025 & 2026 · 2027 available as a projection · Updated for the One Big Beautiful Bill Act

Estimate Your Take-Home Pay

Every Pennsylvania municipality and school district, from the state's Act 32 register: earned income tax at the higher of your home rate or your workplace's nonresident rate, plus the local services tax where you work. Philadelphia is included. Most Pennsylvanians pay about 1%.

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Pre-Tax Deductions (optional)
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Reduces taxable income. Does not reduce Social Security or Medicare.

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Section 125 plan — reduces income tax and FICA.

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Reduces income tax and FICA.

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From Step 4(c) of your W-4.

Results update automatically as you type.

Estimated Take-Home Pay
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per paycheck
Item Per Check Annual
Gross Pay — —
Federal Income Tax — —
Social Security (6.2%) — —
Medicare (1.45%) — —
Take-Home Pay — —
Effective Tax Rate
—
all taxes combined
Total Deductions
—
per paycheck

Estimates federal, state, and select city taxes. Actual withholding may vary.

Pennsylvania Salary After Taxes at Common Pay Levels (2026)

Salary after taxes for a single filer in Pennsylvania: this table estimates take-home pay after federal income tax, FICA (Social Security 6.2% and Medicare 1.45%), and Pennsylvania state income tax. Based on the 2026 IRS tax tables and the Pennsylvania state 2026 tax schedule. Local income taxes are not included in these figures. The calculator above includes local income tax for a paycheck-level breakdown.

Annual Salary Federal Tax FICA PA Tax Take-Home Effective Rate
$40,000 $2,620 $3,060 $1,228 $33,092 17.3%
$60,000 $5,020 $4,590 $1,842 $48,548 19.1%
$80,000 $8,770 $6,120 $2,456 $62,654 21.7%
$100,000 $13,170 $7,650 $3,070 $76,110 23.9%
$150,000 $24,734 $11,475 $4,605 $109,186 27.2%
$200,000 $36,734 $14,339 $6,140 $142,787 28.6%

Single filer, no pre-tax deductions. Assumes year-round wages; standard deduction applied. The federal brackets, standard deduction and Social Security wage base behind these figures are on the 2026 tax figures page.

Pennsylvania Take-Home Pay by Pay Frequency (2026)

The same Pennsylvania take-home figures divided across common pay schedules — what actually lands in your account each payday, after federal tax, FICA, and Pennsylvania state income tax.

Annual Salary Weekly52/yr Biweekly26/yr Semi-Monthly24/yr Monthly12/yr
$40,000 $636 $1,273 $1,379 $2,758
$60,000 $934 $1,867 $2,023 $4,046
$80,000 $1,205 $2,410 $2,611 $5,221
$100,000 $1,464 $2,927 $3,171 $6,343
$150,000 $2,100 $4,199 $4,549 $9,099
$200,000 $2,746 $5,492 $5,949 $11,899

Biweekly and semi-monthly are not the same thing. Biweekly means every other Friday — 26 paychecks a year, so two months each year contain three paydays. Semi-monthly means twice a month (often the 15th and the last day) — 24 slightly larger paychecks. On a $40,000 salary in Pennsylvania, that difference is about $106 per check. Annual take-home is identical either way.

Single filer, no pre-tax deductions. Divides annual take-home evenly; real paychecks vary slightly with withholding rounding and benefit deductions.

What's different about a Pennsylvania paycheck

401(k) contributions don't lower Pennsylvania withholding

Pennsylvania taxes the money you put into a 401(k), 403(b), or 457 plan. A $5,000 contribution cuts your federal taxable wages but still costs $154 in Pennsylvania tax, withheld from your pay as usual. The calculator applies this automatically when you enter a 401(k) contribution.

A small unemployment deduction

Pennsylvania is one of the few states where workers pay part of the unemployment insurance tax: 0.07% of gross wages, with no wage cap. That is $53 a year on $75,000. The calculator leaves it out.

Local earned income tax, based on where you live and work

Almost every municipality and school district levies a local earned income tax. Your employer withholds the higher of your home rate (municipality plus school district) or the nonresident rate where you work. In 69% of the state's municipality and school district combinations the home rate is exactly 1%; it runs as high as 3.75%. In Pittsburgh (Pittsburgh School District) it is 3%, or $2,250 a year on $75,000. The calculator above includes every municipality: enter where you live and, if different, where you work. Like the state tax, it applies to your 401(k) contributions.

The Local Services Tax, usually up to $52 a year

Many municipalities and school districts also charge a Local Services Tax on people who work there, generally capped at $52 a year. Financially distressed cities can charge more: Harrisburg charges $156 and Scranton charges $156. Where the tax is over $10, people earning less than $12,000 a year there are generally exempt; the exemption is $24,500 in Harrisburg and $15,600 in Scranton. The calculator adds it for the municipality where you work.

Philadelphia's wage tax

Philadelphia takes 3.735% of residents' wages and 3.425% from people who work in the city but live elsewhere, at the rates in effect from July 1, 2026. For city residents it takes the place of a local earned income tax, and it is larger than the state tax: $2,801 a year for a resident earning $75,000. Enter Philadelphia as where you live or where you work to include it.

For the annual picture, including capital gains, credits, and filing deadlines, see the Pennsylvania income tax calculator.

Pennsylvania Income Tax Brackets (2026)

Pennsylvania has a flat income tax of 3.07% for 2026. Both single and joint filers pay the same rate on all taxable income.

No standard deduction or personal exemption — Pennsylvania taxes wages from the first dollar of taxable income.

Taxable income equals gross wages minus pre-tax deductions.

Top Cities in Pennsylvania

The largest cities in Pennsylvania, where local taxes may apply on top of state withholding, by U.S. Census Bureau estimate for July 1, 2025:

  • Philadelphia — 1,574,281 residents
  • Pittsburgh — 307,632 residents
  • Allentown — 126,044 residents
  • Reading — 95,832 residents

How Pennsylvania Compares to Neighboring States

Single-filer take-home on a $75,000 annual salary in 2026, federal + state income tax + FICA only:

State Take-Home vs. Pennsylvania
Pennsylvania (here) $59,290 —
New York $58,140 -$1,151
New Jersey $58,997 -$294
Delaware $57,984 -$1,307
Maryland $58,394 -$896
West Virginia $59,047 -$243

Take-home reflects single filer, no pre-tax deductions; SDI/PFML and local taxes excluded for an apples-to-apples comparison.

Frequently Asked Questions

What is the Pennsylvania state income tax rate?

Pennsylvania has a flat income tax rate of 3.07% for 2026. Whether you earn $40,000 or $200,000, your state tax rate is the same — applied to every dollar of wages, because Pennsylvania has no standard deduction or personal exemption.

How much is taken out of my paycheck in Pennsylvania?

For a single filer earning $75,000 in Pennsylvania (2026), expect roughly $7,670 in federal income tax, $5,738 in FICA, and $2,303 in Pennsylvania state income tax — leaving about $59,290 take-home (20.9% effective tax rate). On top of that, expect any local income tax where you live or work.

Why doesn't my 401(k) reduce my Pennsylvania tax?

Pennsylvania counts employee retirement contributions as taxable compensation when you make them. In return, qualifying distributions after retirement age are not taxed by Pennsylvania.

What is the PA UC deduction on my paycheck?

The employee share of Pennsylvania unemployment compensation tax: 0.07% of gross wages, with no cap, or 70 cents per $1,000 of pay.

What is the Philadelphia wage tax rate?

3.735% for Philadelphia residents and 3.425% for nonresidents who work in the city, effective July 1, 2026. The rates were 3.74% and 3.43% from July 1, 2025.

What is the Local Services Tax?

A tax many municipalities and school districts charge people who work there, generally capped at $52 a year; Harrisburg and Scranton charge $156. If it is over $10, people earning under the local exemption amount, usually $12,000, are exempt.

More Pennsylvania Calculators

Pennsylvania Income Tax Calculator
Estimate Pennsylvania state and federal income tax on your annual income.
Pennsylvania Sales Tax
Pennsylvania state and city sales tax rates, with a calculator.

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The general paycheck calculator with every U.S. state.

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