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Salary Calculator Pennsylvania — Free 2026

Estimate your take-home pay in Pennsylvania after federal income tax, PA flat 3.07% state tax, Social Security, and Medicare.

Please enter a valid salary amount.
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Gross Pay (per period)
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Federal Tax (per period)
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PA State Tax (per period)
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Social Security (per period)
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Medicare (per period)
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Net Pay (per period)
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Annual Net Pay
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Effective Tax Rate

How It Works

  1. Enter your annual salary
  2. Choose pay frequency and filing status
  3. Review your take-home pay
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Understanding Your Take-Home Pay in Pennsylvania

Pennsylvania has one of the simplest state income tax systems in the country: a flat 3.07% on virtually all taxable compensation. There is no standard deduction and no personal exemption for state tax purposes, so the rate applies to your full gross wages. While the state rate is low, local income taxes — especially in Philadelphia and Pittsburgh — can add significantly to your tax burden.

Local Taxes: Philadelphia and Pittsburgh

Unlike most states, Pennsylvania allows cities and school districts to levy their own earned income taxes. Philadelphia imposes a 3.75% wage tax on residents (3.44% for non-residents working in the city), bringing the combined state and city rate to nearly 6.82%. Pittsburgh area residents in Allegheny County face a local earned income tax of about 3%. Most other Pennsylvania municipalities have local taxes in the 1%-2% range. This calculator shows state tax only — add your local rate for a complete picture. See our Pennsylvania Mortgage Calculator for housing cost estimates.

Pennsylvania's Tax Advantages

Despite local tax complexity, Pennsylvania has notable advantages: retirement income (Social Security, pensions, 401k/IRA distributions) is completely exempt from state tax, making it a popular retirement destination. The flat 3.07% rate is also one of the lowest in the Northeast, well below New York (up to 10.9%) and New Jersey (up to 10.75%). Use our US Salary Calculator for a federal-only comparison.

For informational purposes only. This calculator estimates federal and PA state income tax only. Does not include local/city taxes (Philadelphia, Pittsburgh, etc.), pre-tax deductions, or credits. Consult a qualified tax professional before making financial decisions.

Frequently Asked Questions

What is Pennsylvania's state income tax rate?
Pennsylvania has a flat state income tax rate of 3.07% on all taxable compensation. This is one of the lowest flat rates in the nation. Pennsylvania does not allow a standard deduction or personal exemption for state tax purposes, so the 3.07% applies to nearly all gross wages.
Does Philadelphia have a city income tax?
Yes. Philadelphia imposes a city wage tax of 3.75% on residents (and 3.44% on non-residents who work in the city). This is on top of the 3.07% state tax, bringing the combined state and local income tax to nearly 6.82% for Philadelphia residents. Pittsburgh (Allegheny County) also has a local earned income tax of about 3%.
Does Pennsylvania tax retirement income?
Pennsylvania does not tax most retirement income. Social Security, pension income, 401(k) and IRA distributions are all exempt from PA state income tax once you reach retirement age. This makes Pennsylvania attractive for retirees despite the income tax on wages.
How does PA's tax rate compare to neighboring states?
Pennsylvania's flat 3.07% rate is lower than New York (4%-10.9%), New Jersey (1.4%-10.75%), and Maryland (2%-5.75% plus local). Only Delaware's effective rates for lower incomes may be comparable. However, Philadelphia's additional 3.75% city tax means Philly residents face a combined rate of nearly 6.82%.

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