Pennsylvania Paycheck Calculator
↻ Updated 2026 tax yearSee your real take-home pay in Pennsylvania for 2026 — after federal income tax, Social Security and Medicare (FICA) and Pennsylvania state income tax.
How Pennsylvania taxes your paycheck
Pennsylvania taxes wages at a single flat rate of 3.07% — one of the lowest flat income-tax rates in the country — and, unusually, it allows no standard deduction, so the rate applies from your first dollar of taxable compensation. The calculator above applies that 3.07% state rate on top of federal income tax and FICA.
The flat structure makes Pennsylvania state tax easy to predict: 3.07% of eligible wages, regardless of income level.
Local Earned Income Tax — often bigger than you'd expect
Pennsylvania's real complexity is local. Most municipalities and school districts levy an Earned Income Tax (EIT) on wages — commonly around 1%, but Philadelphia's resident wage tax is far higher, at roughly 3.7%. That local tax is withheld from your paycheck in addition to the 3.07% state rate.
The calculator above does not include local EIT, so if you live or work in a taxing municipality — and most Pennsylvanians do — your true deductions are higher than the state line shown. Philadelphia residents in particular should add their city wage tax to get an accurate net.
Frequently asked questions
What is the Pennsylvania income tax rate for 2026?
Pennsylvania has a flat 3.07% state income tax on wages, with no standard deduction, so it applies to your full taxable compensation. Most residents also owe a local Earned Income Tax on top.
Does Pennsylvania have local income taxes?
Yes — most municipalities and school districts levy an Earned Income Tax on wages, typically about 1%, and Philadelphia's resident wage tax is around 3.7%. This is withheld in addition to the 3.07% state rate and is not included in the calculator above.
Why is my Pennsylvania paycheck smaller than the 3.07% rate suggests?
Because the 3.07% is only the state rate. Local Earned Income Tax (about 1% in most places, much higher in Philadelphia) is withheld on top, along with federal income tax and FICA. Add your local EIT to the state estimate for your true take-home.
- ·IRS Rev. Proc. 2025-32 — 2026 inflation adjustments — Tax year 2026 brackets & standard deduction
- ·IRS Topic 751 — Social Security & Medicare withholding rates
- ·Tax Foundation — 2026 State Income Tax Rates and Brackets — State wage-tax estimate; excludes local income taxes
RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.