How to use the Pennsylvania paycheck calculator
- Enter your pay. Choose Salary or Hourly, type the amount, and pick how often you are paid.
- Copy your Form W-4. Select your filing status and fill in Steps 2, 3 and 4 the way they are on the federal form your employer has.
- Add your local taxes. Pennsylvania has no state withholding form, so there is nothing to copy. Pick Philadelphia or Pittsburgh if you live or work there, or enter your local earned income tax rate, and tick the local services tax if your employer withholds it.
What is the Pennsylvania paycheck calculator?
The Pennsylvania paycheck calculator is a tool that turns gross pay into take-home pay for someone who works in Pennsylvania. Pennsylvania taxes all wages at one flat rate of 3.07%, with no allowances and no standard deduction. Many paychecks also have local taxes: an earned income tax set by the municipality and school district, and a local services tax of up to $52 a year.
The federal lines use the 2026 method in IRS Publication 15-T. The Pennsylvania line follows the Department of Revenue's employer withholding guide (REV-415), step by step, and the working is shown under the result. To see how Pennsylvania compares with other states, see income tax by state.
Features
- Pennsylvania income tax withholding with the Department of Revenue's employer withholding guide (REV-415)
- Local earned income tax for Philadelphia (resident 3.735%, non-resident 3.425%) and Pittsburgh, or any rate you enter
- The local services tax of up to $52 a year, split across pay periods
- PA unemployment compensation (employee) at 0.07% of wages, with no wage cap
- Salary and hourly pay, with overtime hours at a multiplier you set
- Weekly, biweekly, twice-a-month and monthly pay periods
- Federal income tax from the 2026 IRS percentage method tables and every step of Form W-4
- Social Security up to the $184,500 wage base, Medicare and Additional Medicare Tax
- The federal and the state working shown step by step
- A PDF report of your inputs and every result line, to save or share on WhatsApp
Pennsylvania paycheck taxes in 2026
| Tax or deduction | Rate | Set by |
|---|---|---|
| Federal income tax | 0% to 37% of the adjusted annual wage, by Form W-4 | Internal Revenue Service |
| Social Security | 6.2% of wages up to $184,500 | Social Security Administration and IRS |
| Medicare | 1.45% of all wages, plus 0.9% above $200,000 in the year | Internal Revenue Service |
| Pennsylvania income tax | 3.07% flat on all compensation | Pennsylvania Department of Revenue |
| PA unemployment compensation (employee) | 0.07% of wages, with no wage cap | Pennsylvania Department of Labor and Industry |
| City or county income tax | Earned income tax at the local rate (Philadelphia 3.735% for residents); local services tax up to $52 a year | Municipalities and school districts; PA Department of Community and Economic Development |
Pennsylvania has no state disability insurance or paid family leave deduction. The employee unemployment contribution is the only state deduction besides income tax.
Local earned income tax uses the same wages as Medicare in this calculator. Your municipality's tax office has the exact rules for your area.
How Pennsylvania withholding is worked out
Pennsylvania withholding is one step. The Department of Revenue's guide says to multiply the compensation for the pay period by the flat rate:
- Take the gross pay for the pay period, minus any health premium paid through a cafeteria plan.
- Multiply by 3.07%.
There is no annualizing, no exemption and no table. A bonus is withheld at the same rate. Pennsylvania differs from federal rules on retirement savings: a traditional 401(k) or 403(b) contribution is taxable for Pennsylvania and does not lower the state line. A cafeteria-plan health premium is excluded, and HSA contributions follow federal rules.
A worked example
A paycheck of $2,500 has $76.75 of Pennsylvania tax withheld: $2,500 × 3.07%. A $200 401(k) contribution from that paycheck still leaves $76.75, because Pennsylvania taxes it.
Pennsylvania has no state withholding form
Because the rate is flat and nothing is subtracted, Pennsylvania has no form like the federal W-4. Every employee has the same state rate.
Form REV-419, the Employee's Nonwithholding Application Certificate, is only for employees who owe no Pennsylvania tax: those eligible for tax forgiveness, residents of states with a reciprocal agreement, and some military spouses. For local tax, employers ask new employees for a Residency Certification Form, which records the codes of the home and work municipalities.
Pennsylvania take-home pay by salary
The table shows 2026 take-home pay in Pennsylvania for a single filer paid every two weeks, with no local earned income tax or local services tax, and no pre-tax deductions.
| Salary | Federal income tax | Social Security and Medicare | Pennsylvania income tax and UC | Take-home pay per year | Per paycheck (every two weeks) |
|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $942 | $25,343 | $974.73 |
| $50,000 | $3,820 | $3,825 | $1,570 | $40,785 | $1,568.66 |
| $75,000 | $7,670 | $5,738 | $2,355 | $59,237 | $2,278.36 |
| $77,545 | $8,230 | $5,932 | $2,435 | $60,948 | $2,344.15 |
| $100,000 | $13,170 | $7,650 | $3,140 | $76,040 | $2,924.61 |
| $150,000 | $24,734 | $11,475 | $4,710 | $109,081 | $4,195.42 |
The $77,545 row is Pennsylvania's median household income in the U.S. Census Bureau's 2024 American Community Survey. A single filer paid that salary takes home $60,948 a year, or $2,344.15 every two weeks, after $2,435 in Pennsylvania taxes.
Pennsylvania take-home pay by hourly wage
The table shows a 40-hour week for a single filer paid weekly, with no local earned income tax or local services tax. The first row is the Pennsylvania minimum wage of $7.25 an hour.
| Hourly wage | Gross pay per week (40 hours) | Federal taxes per week | Pennsylvania taxes per week | Take-home pay per week | Take-home pay per year |
|---|---|---|---|---|---|
| $7.25 | $290.00 | $22.19 | $9.10 | $258.71 | $13,453 |
| $12.00 | $480.00 | $53.76 | $15.08 | $411.16 | $21,381 |
| $15.00 | $600.00 | $75.98 | $18.84 | $505.18 | $26,270 |
| $20.00 | $800.00 | $115.28 | $25.12 | $659.60 | $34,299 |
| $25.00 | $1,000.00 | $154.58 | $31.40 | $814.02 | $42,329 |
| $30.00 | $1,200.00 | $193.88 | $37.68 | $968.44 | $50,359 |
At $7.25 an hour, a 40-hour week pays $290.00 before tax and $258.71 after federal and Pennsylvania taxes.
Local earned income tax in Pennsylvania
Under Act 32 of 2008 the employer withholds the higher of two rates: the resident rate of your home municipality and school district, and the non-resident rate of the municipality where you work. The tax is sent to the collector for your work location. Rates are listed in the state's Official Tax Register, and each municipality has a six-digit code.
| Place | Rate | Notes |
|---|---|---|
| Philadelphia residents | 3.735% | From 1 July 2026; 3.74% before |
| Philadelphia non-residents working in the city | 3.425% | From 1 July 2026; 3.43% before |
| Pittsburgh residents | 3% | 1% city plus 2% school district, withheld even when the employer is outside the city |
A Pittsburgh non-resident pays only the rate of their home municipality. Philadelphia plans further cuts to the wage tax in each year to 2030.
The local services tax
Many municipalities charge a local services tax (LST) on people who work there. It is at most $52 a year in total. When it is more than $10, it is split evenly across pay periods and rounded down to the cent: $1.00 a week or $4.33 a month for the full $52.
Someone who expects to earn less than $12,000 in the year from all work in the municipality is exempt, and the calculator leaves it out for pay below that level. Employers withhold it only where the Official Tax Register lists it.
Living in one state and working in another
Pennsylvania has reciprocal agreements with Indiana, Maryland, New Jersey, Ohio, Virginia and West Virginia. A resident of one of those states who works in Pennsylvania files Form REV-419, and the employer withholds the home state's tax instead. A Pennsylvania resident working in one of them has Pennsylvania tax withheld.
Pennsylvania pay rules that shape your paycheck
These Pennsylvania rules decide how much is on a paycheck and when it arrives.
| Rule | What Pennsylvania law says | Source |
|---|---|---|
| Minimum wage | $7.25 an hour, the federal rate; no change scheduled for 2027 | Pennsylvania Department of Labor and Industry |
| Tipped employees | Cash wage of $2.83 for employees with more than $30 a month in tips, with the employer covering any shortfall | Pennsylvania Department of Labor and Industry |
| Overtime | One and one-half times the regular rate after 40 hours in a workweek. No daily overtime. | Pennsylvania Department of Labor and Industry |
| Salary for overtime exemption | $684 a week | Pennsylvania Department of Labor and Industry |
| Paydays | Regular paydays set in advance; no fixed frequency | Pennsylvania Department of Labor and Industry |
| Final paycheck | By the next regular payday, whether the employee quits, is fired or is laid off | Pennsylvania Department of Labor and Industry |
| Pay stub | Each pay period: hours, rate, gross pay, each deduction and the pay period dates | Pennsylvania Department of Labor and Industry |
| Meal and rest breaks | Not required for adults; 30 minutes for minors after 5 hours | Pennsylvania Department of Labor and Industry |
| Paid sick leave | No state law; Philadelphia has its own ordinance | Pennsylvania Department of Labor and Industry |
Who pays unemployment tax in Pennsylvania?
Pennsylvania employees pay a small part of unemployment tax: 0.07% of all wages, with no cap, shown above as PA unemployment compensation. Employers pay their own experience-rated contribution on the first $10,000 of each employee's wages.
What changed for Pennsylvania paychecks in 2026, and what is next
- Philadelphia's wage tax fell on 1 July 2026 to 3.735% for residents and 3.425% for non-residents.
- The state rate stays at 3.07%, and the employee unemployment contribution stays at 0.07%.
- The minimum wage stays at $7.25.
- Federal figures changed: the Social Security wage base is $184,500 and the IRS published new withholding tables for 2026.
What the calculator includes
- Tax year: 2026. Pennsylvania figures were checked against the Pennsylvania Department of Revenue, the Department of Labor and Industry, the Department of Community and Economic Development and the City of Philadelphia on 14 October 2026.
- Taxes: federal income tax, Social Security, Medicare and Additional Medicare Tax, Pennsylvania income tax and PA unemployment compensation (employee).
- Forms: the 2020-and-later Form W-4. Pennsylvania has no state withholding form.
- Pay: gross pay up to $10,000,000, hourly rates up to $10,000, up to 744 hours in a pay period, and an overtime multiplier from 1 to 5.
- Pennsylvania rules: 3.07% on compensation with 401(k) contributions included, the employee UC contribution, local earned income tax for Philadelphia, Pittsburgh or any rate you enter, and the local services tax.
Is it private?
Yes. The calculation runs in your browser. Your pay, your withholding forms and your result are not sent to a server and are not saved.
Tips for an accurate estimate
- Do not expect a 401(k) to lower the Pennsylvania line. Pennsylvania taxes retirement contributions.
- Use the rate that is higher: your home municipality's resident rate or your work location's non-resident rate.
- Philadelphia residents pay the resident rate wherever they work; check it against your stub after 1 July.
- Tick the local services tax if your stub shows LST. It is often $1 a week or $2 every two weeks.
- If you live in New Jersey, Ohio or another reciprocal state, file Form REV-419 with your Pennsylvania employer.
Related calculators
Frequently asked questions
- Does Pennsylvania have a state income tax?
- Yes, a flat 3.07% on all compensation, with no allowances. Local earned income tax and the local services tax are added in many places.
- How much is $75,000 after taxes in Pennsylvania?
- A single filer paid $75,000 a year in Pennsylvania takes home $59,237 in 2026, or $2,278.36 every two weeks, with no local earned income tax or local services tax. Federal income tax is $7,670, Social Security and Medicare are $5,738, and Pennsylvania taxes are $2,355.
- What taxes come out of a paycheck in Pennsylvania?
- Federal income tax, Social Security tax of 6.2%, Medicare tax of 1.45% and Pennsylvania income tax, plus PA unemployment compensation (employee) of 0.07%. Many paychecks also have a local earned income tax and the local services tax.
- Does a 401(k) lower Pennsylvania tax?
- No. Pennsylvania taxes employee contributions to a 401(k), 403(b) or other retirement plan, so the 3.07% applies to pay before those contributions. A health premium paid through a cafeteria plan is excluded.
- What is the Philadelphia wage tax in 2026?
- 3.735% for Philadelphia residents and 3.425% for non-residents who work in the city, from 1 July 2026. Before that the rates were 3.74% and 3.43%.
- What is the local services tax on my paycheck?
- A municipal tax of up to $52 a year on people who work there, usually $1.00 a week or $4.33 a month. You are exempt if you expect to earn less than $12,000 in the year.
- Is there a Pennsylvania W-4?
- No. Pennsylvania withholds a flat rate with no allowances, so there is no state withholding certificate. Form REV-419 exists only for employees who are exempt from Pennsylvania withholding.
Sources
Every rate, bracket and limit this calculator uses comes from the official sources below. The method is shown on this page, so any result can be checked by hand.
- Pennsylvania Department of Revenue, REV-415 Employer Withholding Information Guide (01-23); REV-419; PIT Guide, Gross Compensation. The 3.07% rate, the one-step method, Form REV-419, reciprocity and the treatment of retirement and cafeteria-plan deductions.
- PA Department of Community and Economic Development; City of Philadelphia Department of Revenue, Local Withholding Tax FAQs; Local Services Tax guidance; Philadelphia Wage Tax. Local earned income tax rules, the local services tax and Philadelphia and Pittsburgh rates.
- Pennsylvania Department of Labor and Industry, Unemployment compensation employer and employee rates; Minimum Wage; Wage Payment and Collection. The employee UC rate, minimum and tipped wages, overtime, paydays, final pay and pay stubs.
- U.S. Census Bureau, American Community Survey, 2024 1-year estimates, table B19013. Median household income by state.
- Internal Revenue Service, Publication 15-T (2026), Federal Income Tax Withholding Methods. Worksheet 1A and the 2026 Percentage Method Tables for Automated Payroll Systems: every bracket, rate and the $12,900 and $8,600 amounts on line 1g.
- Internal Revenue Service, Topic no. 751, Social Security and Medicare withholding rates. Social Security 6.2%, Medicare 1.45%, and Additional Medicare Tax of 0.9% on wages above $200,000 in a calendar year.
- Social Security Administration, Contribution and Benefit Base. The 2026 Social Security wage base of $184,500.