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Pennsylvania
Pennsylvania paycheck calculator
Pennsylvania’s personal income tax on compensation is a flat 3.07% with no standard deduction. That is the state line, and it is rarely the whole local story. Thousands of municipalities and school districts levy an earned income tax. Philadelphia runs its own wage tax and is a separate page. Pittsburgh is in the city list as a modeled 3% resident rate and 1% nonresident rate. Everywhere else, type the percent from your Act 32 rate sheet rather than borrowing a neighbor’s.
A traditional 401(k) does not reduce Pennsylvania compensation the way it reduces federal wages. The deferral still cuts federal income tax and still does not cut FICA. If you max a 401(k) and expect the state line to fall, this stub will disappoint you on purpose. Section 125 health premiums are removed in this model, which is a simplification.
Select Philadelphia only if you live there or work there. A resident of the city pays 3.74% on wages generally. A nonresident pays 3.43% on wages earned in the city, on top of the 3.07% state tax. Leaving the city blank is the correct estimate for most of the commonwealth.
Example take-home
| Salary | Federal | FICA | State | Payroll | Local | Net / year | Net / check |
|---|---|---|---|---|---|---|---|
| $40,000.00 | $2,620.00 | $3,060.00 | $1,228.00 | $0.00 | $0.00 | $33,092.00 | $1,272.77 |
| $60,000.00 | $5,020.00 | $4,590.00 | $1,842.00 | $0.00 | $0.00 | $48,548.00 | $1,867.22 |
| $80,000.00 | $8,770.00 | $6,120.00 | $2,456.00 | $0.00 | $0.00 | $62,654.00 | $2,409.76 |
| $100,000.00 | $13,170.00 | $7,650.00 | $3,070.00 | $0.00 | $0.00 | $76,110.00 | $2,927.30 |
| $150,000.00 | $24,734.00 | $11,475.00 | $4,605.00 | $0.00 | $0.00 | $109,186.00 | $4,199.46 |
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What this page includes
- Federal income tax using the 2026 standard deduction and Rev. Proc. 2025-32 brackets
- Social Security (6.2% up to $184,500) and Medicare (1.45%, plus Additional Medicare when wages clear the filing-status threshold)
- Pennsylvania: flat state income tax at 3.07%
- No employee state disability / paid-leave premium modeled for this state yet
- Local wage tax only if you select a city/county or enter a custom percent
Local tax
Pennsylvania localities and school districts levy earned income taxes that vary by address. Philadelphia and Pittsburgh are named. Everywhere else, enter the percent from your Act 32 rate sheet rather than borrowing a neighbor’s rate.
What is not included
Credits, itemized deductions, multi-state credits, property tax, sales tax, and unsourced local rates are not included. Employer payroll tables can differ from this annualized estimate. Pennsylvania township and school-district rates outside the named cities are not guessed.
Questions
Does Pennsylvania tax 401(k) contributions?
In this model, yes. Employee deferrals stay in the Pennsylvania wage base. They still reduce federal income tax.
Is the Philadelphia wage tax included automatically?
No. Choose Philadelphia, or enter your own local percent. The state rate alone is 3.07%.
What if my township charges 1%?
Open Local details and enter 1 as a custom rate. It applies to gross wages and replaces any named city.
Nearby
Compare · Bonus · Hourly · Philadelphia · Pittsburgh · All states · Local taxes
Sources
- IRS newsroom, tax year 2026 inflation adjustments (Rev. Proc. 2025-32)
- Rev. Proc. 2025-32 (PDF)
- Tax Foundation, 2026 federal income tax brackets
- IRS Publication 15-T, Federal Income Tax Withholding Methods
- SSA, Contribution and benefit base
- IRS Publication 15 (Circular E), Employer's Tax Guide
- IRS, Questions and answers for the Additional Medicare Tax
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026
- IRS, state government websites index
See a rate that looks wrong? The sources and the gaps are public.
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