About the Pennsylvania Paycheck Calculator

Pennsylvania uses a flat 3.07% state income tax with no standard deduction or personal exemption — one of the lowest state rates in the nation. This calculator applies Pennsylvania's actual flat rate alongside federal income tax, Social Security, and Medicare for an accurate Pennsylvania take-home pay estimate. (Some PA municipalities also impose local Earned Income Taxes.)

Pennsylvania's state income tax is computed after deducting Pennsylvania's standard deduction ($2,500 single / $7,500 married) and personal exemption ($1,500 single / $3,000 married). The top 5% rate kicks in on income above $3,000 for single filers and $6,000 for married filers — meaning most Pennsylvania workers pay an effective rate close to 5% on the majority of their income.

Note: Several Pennsylvania cities including Birmingham and Gadsden impose local occupational taxes (1–2%) not included in this calculator. Jefferson County also has a 1% occupational tax. Check with your employer for local withholding amounts. These results are bracket-based estimates only.

📚 Sources & Last Updated

Last updated: April 2026 · Tax year: 2026

How the Tax Formula Works

This calculator uses a bracket-based approach — the same method used to compute annual tax liability — divided by your pay periods. It is an estimate, not a payroll withholding calculation (which uses W-4 inputs and IRS Publication 15-T procedures).

1Gross Pay = Hourly Rate × Hours OR Annual Salary ÷ Pay Periods
2Federal Taxable Income = Annual Gross − Standard Deduction (2025: $15,000 single / $30,000 married)
3Federal Income Tax = Apply 2026 IRS brackets (10%→37%) ÷ pay periods
4Social Security = Gross × 6.2% (stops at $184,500 annual wages)
5Medicare = Gross × 1.45% (+0.9% on wages over $200K single)
6Pennsylvania 2026: flat 3.07% rate applied directly to gross taxable compensation (PA has no standard deduction or personal exemption) — source: PA Department of Revenue 2026
7Net Take Home = Gross − Fed Tax − SS − Medicare − State Tax

Results are bracket-based estimates. Actual paycheck withholding is determined by your W-4 form, pre-tax deductions, and employer payroll procedures. Use these results for planning and budgeting — not as a substitute for your actual pay stub.

Frequently Asked Questions — Pennsylvania Paycheck Calculator

Pennsylvania has a flat 3.07% state income tax rate for 2026 — one of the lowest among states with an income tax. This single rate applies to all taxable compensation regardless of filing status or income level. Pennsylvania has no standard deduction and no personal exemption, so the rate applies to your gross taxable wages directly. Some Pennsylvania municipalities also impose local Earned Income Taxes on top of the state rate.
A single Pennsylvania filer earning $60,000 can expect approximately $47,000–$48,000 in annual take-home pay. Federal income tax (~$5,200 after the $16,100 federal standard deduction), Pennsylvania state tax (~$1,842 at 3.07% flat rate, no state standard deduction), Social Security ($3,720), and Medicare ($870) are deducted. Some PA municipalities impose local Earned Income Taxes on top.
Yes — Pennsylvania has some of the most widespread local income taxes in the US. Most Pennsylvania municipalities levy an Earned Income Tax (EIT), typically 1%–2% in most areas. Philadelphia charges 3.75% for residents and 3.44% for non-residents working in the city. Pittsburgh's surrounding municipalities charge approximately 2%–3% combined (split between school district and municipality). If you live and work in Pennsylvania, your total income tax rate is typically 3.07% (state) plus 1%–4% (local EIT), not shown in this calculator.
Pennsylvania is one of the most retiree-friendly states in the nation for income taxes. Pennsylvania fully exempts ALL retirement income from state income tax — Social Security benefits, government pensions, private pensions, military retirement pay, IRA distributions, and 401(k) withdrawals are all 100% exempt in Pennsylvania. This is one of the broadest retirement income exclusions of any state, making Pennsylvania popular for retirees despite its higher property taxes.
No. Pennsylvania uniquely exempts ALL retirement income from state income tax — including pensions, Social Security benefits, IRA and 401(k) withdrawals, and other qualified retirement distributions. This makes Pennsylvania one of the most retiree-friendly states in the country for income tax purposes.
Pennsylvania employers use Form PA-W4 (Employee's Withholding Allowance Certificate) and Pennsylvania Department of Revenue withholding tables. Pennsylvania also requires employees to complete a Residency Certification Form so local Earned Income Tax can be correctly allocated between the municipality where you live and where you work. The 3.07% flat rate keeps state withholding straightforward. Official source: revenue.pa.gov
Pennsylvania has a flat 3.07% individual income tax rate — one of the lowest among states with a broad-based income tax. This single rate applies to all taxable wages with no standard deduction and no personal exemption — meaning the 3.07% applies directly to gross taxable compensation. Pennsylvania has maintained this rate for decades and has no progressive bracket structure.
Pennsylvania's 3.07% flat rate is low among its neighbors. New York's progressive rates range from 4% to 10.9% — far higher for most workers. New Jersey tops out at 10.75%. Delaware's top rate is 6.6%. Maryland's rates run 2%–5.75% plus significant county taxes. Ohio's new 2.75% rate is slightly lower than PA's. The Pennsylvania local EIT (typically 1%–4%) can offset the state rate advantage, but for workers in lower-EIT areas, Pennsylvania remains significantly cheaper than NY or NJ for state taxes.

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