Pennsylvania Paycheck Calculator 2026 – Estimate Your Take-Home Pay
Use our free Pennsylvania Paycheck Calculator to estimate your net pay for the 2026 tax year. This tool acts as a PA paycheck calculator by computing Federal withholding, FICA taxes, PA state income tax (flat 3.07%), and local earned income tax (EIT). With Pennsylvania's unique local tax system, calculating your Pennsylvania take-home pay accurately requires knowing your municipality's specific rate.
- State Tax Rate: 3.07% (Flat Rate)
- Local Tax Rate: 0.5% – 3.75% (EIT)
- Local Service Tax: ~$52/year (LST)
- Federal Tax: 10% – 37% (Progressive)
- FICA Tax: 7.65% (Federal)
How the Pennsylvania Paycheck Calculator Works
Our Pennsylvania net pay calculator uses the latest 2026 tax formulas. We start with your gross earnings and subtract:
- Federal Withholding: Based on your filing status and IRS brackets.
- FICA Taxes: Mandatory contributions for Social Security (6.2%) and Medicare (1.45%).
- Pennsylvania State Tax: A flat rate of 3.07% on gross income (PA allows very few deductions).
- Local Earned Income Tax (EIT): A mandatory local tax levied by your municipality or school district.
- Local Services Tax (LST): A small flat tax (usually $52/year) deducted for working in certain jurisdictions.
Pennsylvania Tax Rates (2026)
Pennsylvania has a flat state tax but complex local taxes. This makes the Pennsylvania income tax calculator logic dependent on your location.
State & Local Breakdown
| Tax Type | Rate |
|---|---|
| PA State Tax | 3.07% (Flat) |
| Philadelphia (Resident) | 3.75% |
| Philadelphia (Non-Resident) | 3.44% |
| Pittsburgh | 3.00% |
| Most Other Municipalities | 1.0% (Average) |
Note: Local rates are determined by where you live and sometimes where you work (e.g., Philadelphia wage tax).
Federal Taxes That Apply to Your Paycheck
Federal Income Tax
The IRS imposes a progressive tax ranging from 10% to 37%. Your specific rate depends on your filing status and total taxable income.
Social Security & Medicare (FICA)
Every Pennsylvania payroll tax calculator includes FICA. This deducts 6.2% of your gross pay for Social Security (up to the wage limit) and 1.45% for Medicare (on all earnings).
Pennsylvania Paycheck After Taxes for $65,000 Salary (Philadelphia)
If you are a single filer living in Philadelphia earning $65,000 per year, your breakdown looks like this:
| Tax Description | Amount |
|---|---|
| Federal Tax (Est.) | $6,900 |
| FICA (7.65%) | $4,972 |
| State Tax (3.07%) | $1,995 |
| Philly Wage Tax (3.75%) | $2,437 |
| Estimated Take-Home Pay | $48,696 |
Minimum Wage & Cost of Living
Pennsylvania adheres to the federal minimum wage of $7.25 per hour. The cost of living varies widely; Philadelphia and its suburbs are more expensive, while rural central PA is very affordable.
How to Increase Your Take-Home Pay
To maximize your PA hourly paycheck calculator results, ensure your W-4 form is accurate. Contributing to pre-tax retirement accounts (401k/403b) reduces your taxable income for federal tax purposes, though PA state tax generally applies to 401k contributions.
FAQs – Pennsylvania Paycheck Calculator
What is the PA state income tax rate for 2026?
Pennsylvania has a flat personal income tax rate of 3.07%. This rate applies to all taxable income, regardless of filing status.
What is the Philadelphia wage tax?
Philadelphia imposes a wage tax on all residents (approx 3.75%) and non-residents who work in the city (approx 3.44%). It is one of the highest local taxes in the nation.
Does PA tax 401k contributions?
Yes. Unlike federal tax, Pennsylvania state income tax generally applies to employee contributions to 401(k) plans. However, distributions in retirement are often tax-free.