Pennsylvania Paycheck Calculator 2026

Pennsylvania Payroll Tax Overview

Pennsylvania uses a flat state income tax rate of 3.07% on all taxable wages. Unlike graduated-bracket states, every dollar you earn in Pennsylvania above the standard deduction is taxed at the same 3.07% rate. This makes Pennsylvania paycheck calculations straightforward and predictable.

On top of state income tax, workers in Pennsylvania also pay federal income tax (10%–37% graduated brackets), Social Security (6.2% up to the $176,100 wage base), and Medicare (1.45%, or 2.35% above $200,000 for high earners). Pre-tax deductions like 401(k) and health insurance reduce both federal and state taxable income.

The 2026 federal income tax brackets for single filers: 10% on the first $11,925; 12% to $48,475; 22% to $103,350; 24% to $197,300; 32% to $250,525; 35% to $626,350; 37% above. Your effective federal rate will be well below the marginal rate at most income levels.

Federal vs Pennsylvania Tax Burden

For a Pennsylvania single filer earning $60,000 annually, estimated federal income tax is roughly $6,748 (11.2% effective), plus Pennsylvania state tax of $1,290 (flat 3.07%), Social Security $3,720, and Medicare $870. Estimated annual take-home: approximately $47,400.

The flat tax structure means Pennsylvania does not penalize additional income with a higher marginal state rate — every extra dollar earned is taxed at exactly 3.07% for state purposes. This can make Pennsylvania attractive for higher earners who benefit from the predictability of a flat system.

Pre-tax 401(k) contributions, HSA contributions, and health insurance premiums reduce both federal and Pennsylvania taxable income before tax is applied. Maximizing pre-tax deductions is one of the most effective ways to reduce your Pennsylvania paycheck tax burden.

How to Use This Pennsylvania Paycheck Calculator

Enter your pay period (weekly, biweekly, semimonthly, monthly, or annual), then input either your annual gross salary or your hourly rate and average hours per week. Select your federal filing status — single, married filing jointly, married filing separately, or head of household — as this determines your federal tax brackets and standard deduction.

If you have pre-tax deductions such as a 401(k) contribution, health insurance premium, or HSA contribution, enter the total per-period dollar amount. These reduce your taxable income before federal and state taxes are calculated. The calculator will show federal income tax, Social Security (6.2%), Medicare (1.45%), Pennsylvania state income tax (3.07%), your total deductions, and your net take-home pay — both per period and annualized.

Results are estimates based on standard assumptions and 2026 tax rates. Actual withholding may differ based on your W-4 elections, additional withholding, local taxes (in some cities), or retirement plan contribution limits. For precise payroll calculations, consult your payroll provider or a tax professional.

Pennsylvania Local EIT and PSD — The Municipal Wage Tax Every Paycheck Loses

Pennsylvania is one of only a handful of US states where nearly every employed resident pays a local Earned Income Tax (EIT) on top of the flat 3.07% state rate. Per the PA Department of Community and Economic Development official EIT rate lookup, every municipality and school district sets its own EIT (also called "wage tax" in Philadelphia). Typical rates: Philadelphia 3.75% for residents (3.44% non-residents), Pittsburgh 3% combined, suburban townships 1–2%, rural townships often 1.0%. The rate stacks with the state 3.07% — so a Philly resident in 2026 pays an effective state+local rate of roughly 6.82%, more than double the headline state rate. The calculator above estimates state tax only. To get your true Pennsylvania net pay, look up your PSD (Political Subdivision) code and EIT rate at the DCED lookup, then subtract (EIT rate × gross taxable wages) from the take-home figure shown. Updated 2026-06-24.