Pennsylvania (PA) Paycheck Calculator

Pennsylvania levies a flat 3.07% income tax on all taxable compensation. The rate has been 3.07% since 2004 and applies equally to all income levels — there are no brackets. Pennsylvania is one of the simplest state income tax systems in the US.

No. Pennsylvania does not allow the federal standard deduction or itemized deductions against compensation income. The 3.07% rate applies to your gross wages. The only deductions Pennsylvania allows against compensation are: HSA contributions, IRC §529 college savings contributions, and IRC §529A ABLE account contributions.

No. Traditional 401(k) contributions reduce your federal taxable income but NOT your Pennsylvania taxable compensation. Pennsylvania taxes wages when earned, regardless of whether they are deferred into a 401(k). This is a key difference from most other states. Roth 401(k) contributions are post-tax and similarly do not reduce PA tax.

Most Pennsylvania municipalities also impose a local Earned Income Tax (EIT), typically between 1% and 3%. Philadelphia charges 3.75% for residents and 3.44% for non-residents (2026 rates). This calculator does not include local EIT — check with your municipality or employer payroll department to get the correct local rate for your address.

This PA paycheck calculator shows your 2026 take-home pay after federal income tax withholding, Social Security, Medicare, and Pennsylvania's 3.07% flat state income tax on gross compensation. Enter your annual salary and filing status to get a per-paycheck breakdown at any pay frequency.

This calculator uses the IRS Publication 15-T percentage method (annualized wages, post-2020 W-4). Your annual salary is reduced by any pre-tax deductions you enter, then by the federal standard deduction for your filing status. The resulting federal taxable income is run through the 2026 federal income tax brackets to get the annual withholding, which is divided by your pay periods.

Social Security is 6.2% of your gross wages up to the 2026 wage base of $184,500. Medicare is 1.45% of all wages with no cap. High earners (above $200,000 for single filers, $250,000 for married filing jointly) also owe an Additional Medicare surtax of 0.9% on wages above that threshold. These are the employee shares; your employer pays a matching amount separately.

Yes for federal — traditional 401(k) contributions reduce your federal taxable income and FICA wages " + "for federal income tax withholding. However, Pennsylvania is an exception: PA taxes gross compensation, " + "so traditional 401(k) deferrals do NOT reduce your PA state income tax. Roth 401(k) contributions are " + "post-tax in all states including PA.

This calculator covers federal income tax, FICA (Social Security + Medicare), and Pennsylvania state income tax. It does not include: Excludes Pennsylvania local Earned Income Tax (EIT), which varies by municipality (typically 1–3%). SDI is not applicable in Pennsylvania. It is an estimate for budgeting purposes — your employer's actual payroll system and your W-4 elections determine your exact withholding.

Your marginal tax rate is the rate that applies to your last dollar of income (the highest bracket you fall into). Your effective tax rate is your total taxes divided by your gross salary — it is always lower than your marginal rate because lower income is taxed at lower bracket rates. The effective rate shown here includes federal income tax, FICA, and state income tax.