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Pennsylvania · True take-home pay for where you actually live
Philadelphia paycheck calculator
Philadelphia’s wage tax sits on top of Pennsylvania’s flat 3.07%, and it is calculated on compensation, not on a federal-style taxable income. For pay dates after June 30, 2025, the city rate is 3.74% for residents and 3.43% for nonresidents. Residents owe it on wages no matter where they were earned. Nonresidents owe it on wages earned in the city. The live-here switch on this page is that choice.
The wage-tax base in this model is gross pay. A traditional 401(k) does not shrink it, and it does not shrink the Pennsylvania line either. It still shrinks federal income tax. That split is why a Philly stub can look stubborn when you raise your deferral: federal falls, FICA stays, state stays, city stays.
The city has scheduled further small cuts through fiscal 2030. Those future rates are not used here. The $52-style local services taxes charged by some other Pennsylvania workplaces are not part of the Philadelphia wage tax and are not added. If your resident municipality is outside the city, do not use this page’s resident rate.
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 | $1,496.00 | $31,596.00 | $1,215.23 |
| $60,000.00 | $5,020.00 | $4,590.00 | $1,842.00 | $0.00 | $2,244.00 | $46,304.00 | $1,780.91 |
| $80,000.00 | $8,770.00 | $6,120.00 | $2,456.00 | $0.00 | $2,992.00 | $59,662.00 | $2,294.68 |
| $100,000.00 | $13,170.00 | $7,650.00 | $3,070.00 | $0.00 | $3,740.00 | $72,370.00 | $2,783.45 |
| $150,000.00 | $24,734.00 | $11,475.00 | $4,605.00 | $0.00 | $5,610.00 | $103,576.00 | $3,983.69 |
Loading the 2026 calculator…
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: Philadelphia (Philadelphia wage tax · FY2026)
Local tax
Philadelphia is modeled as a flat local tax: 3.74% for residents and 3.43% for nonresidents (when the rates differ). Use the live-here switch for resident versus nonresident treatment. Effective July 1, 2025 (fiscal year 2026), the wage and earnings tax is 3.74% for residents and 3.43% for nonresidents. Residents owe it on wages wherever earned. Nonresidents owe it on wages earned in the city. Traditional 401(k) deferrals and most cafeteria-plan amounts stay in the wage-tax base in this model. The city has scheduled further small reductions through FY2030; those future rates are not used here.
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. This Philadelphia page does not invent taxes that are missing from the 2026 data files.
Questions
What is the 2026 Philadelphia wage tax rate?
3.74% for residents and 3.43% for nonresidents, effective July 1, 2025. Pennsylvania’s 3.07% is separate and still applies.
Does a 401(k) reduce Philadelphia wage tax?
Not in this estimate. The wage tax is modeled on gross compensation. Federal income tax does go down.
I live in the suburbs and work in the city. Which rate?
Uncheck “I live in this city.” The estimate uses the 3.43% nonresident rate on the wages, plus Pennsylvania tax. Your home municipality may also levy an earned income tax; enter that as a custom rate only if you want it stacked, and know that credit rules are not modeled.
Nearby
Compare · Bonus · Hourly · Pennsylvania (state) · Pennsylvania (state) · 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
- City of Philadelphia Department of Revenue, wage tax cut effective July 1, 2025
See a rate that looks wrong? The sources and the gaps are public.
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