Pennsylvania Paycheck Calculator
This Pennsylvania paycheck calculator takes the flat 3.07% state income tax and the 0.07% employee unemployment contribution out of each paycheck. Local earned income tax presets include Philadelphia.
Tax year 2026 How we calculate
$1,865.60
Where each dollar goes
- Take-home 81%
- Federal income tax 8%
- Social Security and Medicare 8%
- State and local tax 3%
- Pre-tax deductions 0%
| Item | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,307.69 | $60,000.00 |
| Federal income tax | -$193.08 | -$5,020.08 |
| Social Security | -$143.08 | -$3,720.08 |
| Medicare | -$33.46 | -$869.96 |
| Pennsylvania income tax | -$70.85 | -$1,842.10 |
| PA unemployment compensation (UC) | -$1.62 | -$42.12 |
| Local income tax | $0.00 | $0.00 |
| Take-home pay | $1,865.60 | $48,505.66 |
Tax year 2026. Estimate, not tax advice. How we calculate
Your Pennsylvania pay in context
Every figure below follows the inputs above.
Earnings rank
Top 54%
You earn more than 46% of full-time workers in Pennsylvania and 47% in the US.
Census ACS 2024, full-time year-round workers
Tax rates
- effective
- 19.2%
- marginal
- 22.8%
Of your next $1,000 of pay, $228 goes to tax.
Effective: all taxes over gross pay.
| Period | Gross | Take-home |
|---|---|---|
| Per hour | $28.85 | $23.32 |
| Per day | $230.77 | $186.56 |
| Per month | $5,000.00 | $4,042.14 |
Assumes 40 hours a week, 52 weeks and 260 workdays a year.
Same pay in other states
Take-home in the 10 states we cover
Your pay, filing status and W-4 in each state. Other states use their default form settings and no local tax; this state's row uses your settings.
| State | Take-home a year | vs Pennsylvania |
|---|---|---|
| Loading state tax rules | ||
If you get a raise
A 5% raise adds $89.11 to each paycheck
- More per paycheck
- +$89.11
- More per year
- +$2,317
Take-home after every tax on the higher pay.
Cost of living elsewhere
Prices in Pennsylvania run 2.4% below the US average
To match what $60,000 buys in Pennsylvania, you would need about:
- California
- $68,053
- US average
- $61,475
- Arkansas
- $53,422
Prices only, before tax. Source: BEA Regional Price Parities, 2024
Save more in your 401(k)
Save $115.38 more for $101.53 less take-home
Raising your 401(k) from 0% to 5% puts $115.38 more into savings each paycheck. Your take-home drops by only $101.53, because the money comes out before federal income tax.
The 2026 limit is $24,500 a year. At 50 or older you can add $8,000 more, or $11,250 at ages 60 to 63.
Source: IRS news release IR-2025-111
Rent you can afford
Up to $1,500 a month
Keeping housing under 30% of income: up to $1,500/month.
That is 30% of your gross pay of $5,000 a month, utilities included.
HUD defines cost burden as "Monthly housing costs (including utilities) exceeding 30% of monthly income." Source: HUD USER, CHAS definitions
Months with an extra paycheck
2 months with 3 paychecks
3 paychecks land in October 2026 and April 2027.
Over the 12 months starting with your next payday's month. Most months bring 2 biweekly or 4 weekly paychecks.
Taxes in your workday
1 hr 32 min of each 8-hour day
Of each 8-hour workday, 1 hr 32 min goes to taxes.
From your effective tax rate of 19.2%: all taxes over gross pay.
Pennsylvania has a flat state income tax and a patchwork of local ones. The state takes a flat percentage, and then your work location or home address decides how much local tax comes out. The calculator above shows state, UC and local tax as separate lines.
Pennsylvania state tax and UC withholding
The state rate is 3.07% of the compensation subject to withholding, taken from the Department of Revenue’s employer withholding guidance. It is the same at every pay level, with no allowances to claim and no filing status on the state side. For a $2,000 paycheck, that is $61.40.
Pennsylvania also withholds a 0.07% unemployment compensation contribution from employees. The Department of Labor and Industry describes it as 70 cents per $1,000 of gross wages for 2026, with no cap on the wages it applies to. On the same $2,000 paycheck that is $1.40.
Local earned income tax and Act 32
Pennsylvania municipalities and school districts can levy an earned income tax. Under Act 32, your employer withholds the higher of your resident rate and the non-resident rate for the place you work. Philadelphia runs its own wage tax outside that system.
The calculator’s presets use resident rates read from the state’s local rate lookup on October 23, 2026. Pittsburgh is 3%, Allentown 1.975%, Reading 3.6%, Erie 1.65%, Upper Darby 1%, Scranton 3.4%, Bensalem 1% and Bethlehem 1%. Lower Merion is 0%. Each figure is the municipal rate plus the school district rate at the city’s address, and the school district part can vary elsewhere in the same municipality. Local rates change each January 1, so a preset read in October may be out of date by then.
Philadelphia paycheck calculator: wage tax rates
Philadelphia has two rates. From July 1, 2026 through June 30, 2027, residents pay 3.735% of gross wages and non-residents who work in the city pay 3.425%. Both are presets in the calculator. Pick the one that matches whether you live in Philadelphia. The preset covers the rate for the fiscal year that began July 1, so it does not describe January through June of 2026.
Local services tax
Some municipalities charge a local services tax (LST) as a flat dollar amount for the year. Employers split it across your paychecks. Among the places we checked, it is $52 in most, $156 in Scranton and $0 in Philadelphia, and people earning under $12,000 are exempt in many of them. Because LST is a dollar amount and not a percentage, it is not part of the rate figures above. Check your stub for it.
Retirement contributions are taxed in Pennsylvania
This is the Pennsylvania rule that surprises people most. The Department of Revenue says employer payments into a 401(k) or other retirement plan made through your election, by salary reduction or payroll deduction, are taxable and belong in Pennsylvania gross wages. A 401(k) contribution lowers your federal income tax wages, but your Pennsylvania withholding and your local earned income tax still use the full amount. Employer-paid medical, dental and vision plans are not taxable compensation.
Hourly pay and overtime
For an hourly worker, enter your rate, weekly hours and overtime hours. Overtime goes into gross pay at time and a half, and Pennsylvania takes its 3.07% from all of it, along with the UC contribution and any local tax.
How Pennsylvania taxes your paycheck
Tax year 2026. Valid 2026-01-01 to 2026-12-31. Checked 2026-10-24.
Pennsylvania personal income tax withholding: flat 3.07% x compensation subject to withholding for each pay period (REV-415 'Calculation of Withholding'). No allowances, exemptions, standard deduction, or filing-status inputs on the PA side. Employee unemployment compensation (UC) contribution: 0.07% of gross wages, no wage cap, withheld on all employees (PA DLI). Local: Earned Income Tax (EIT) withheld at the higher of employee's resident rate and work-location non-resident rate (Act 32, except Philadelphia which runs its own wage tax). Local Services Tax (LST) is a flat annual amount (commonly up to $52, prorated per pay period, with a low-income exemption for earned income under $12,000 where set), see local_presets notes; LST is not modelled as a rate.
| Item | Value |
|---|---|
| income tax rate REV-415: 'multiplying such compensation subject to withholding by the current percentage rate, 3.07%'. Also https://www.pa.gov/agencies/revenue/resources/tax-types-and-information/employer-withholding Source: pa.gov | 3.07% |
| uc employee rate 'Employee contributions (UC withholding) is 0.07 percent (70 cents per $1,000 gross wages)... There is no cap on the gross wages upon which employee withholding is calculated.' (Calendar Year 2026 section). Also https://www.pa.gov/agencies/dli/resources/for-employers-and-educators/how-to-file/uc-tax/employee-withholding Source: pa.gov | 0.07% |
| lst typical annual DCED lookup shows LST $52 (municipal + school district combined) in most of the 10 places; Scranton $156; Philadelphia $0. Low-income exemption $12,000 (Scranton $15,600). Informational. Source: apps.dced.pa.gov | $52 |
| retirement deferrals taxable REV-415 (Compensation): 'Payments by employers into pension plans, 401(k) plans or other retirement plans made pursuant to the employee's election, by salary reduction agreement or through periodic payroll deductions, are taxable to employees and should be included in Pennsylvania gross wages.' So 401(k) deferrals do not reduce PA withholding or local EIT wages. Employer-paid welfare plans for medical, dental or vision care are not taxable compensation, so Section 125 health premiums are excluded. Source: pa.gov | 1 |
| Place | Rate |
|---|---|
| Philadelphia Source: phila.gov | 3.735% |
| Philadelphia (non-resident) Source: phila.gov | 3.425% |
| Pittsburgh Source: apps.dced.pa.gov | 3% |
| Allentown Source: apps.dced.pa.gov | 1.975% |
| Reading Source: apps.dced.pa.gov | 3.6% |
| Erie Source: apps.dced.pa.gov | 1.65% |
| Upper Darby Source: apps.dced.pa.gov | 1% |
| Scranton Source: apps.dced.pa.gov | 3.4% |
| Lower Merion Source: apps.dced.pa.gov | 0% |
| Bensalem Source: apps.dced.pa.gov | 1% |
| Bethlehem Source: apps.dced.pa.gov | 1% |
Pennsylvania paycheck examples
Per paycheck, no pre-tax deductions, standard federal W-4 settings. State form settings are in each heading.
| Gross pay | $1,923.08 |
|---|---|
| Federal income tax | -$146.92 |
| Social Security | -$119.23 |
| Medicare | -$27.88 |
| Pennsylvania income tax | -$59.04 |
| PA unemployment compensation (UC) | -$1.35 |
| Take-home pay | $1,568.66 |
| Gross pay | $840.00 |
|---|---|
| Federal income tax | -$58.88 |
| Social Security | -$52.08 |
| Medicare | -$12.18 |
| Pennsylvania income tax | -$25.79 |
| PA unemployment compensation (UC) | -$0.59 |
| Take-home pay | $690.48 |
| Gross pay | $3,958.33 |
|---|---|
| Federal income tax | -$293.33 |
| Social Security | -$245.42 |
| Medicare | -$57.40 |
| Pennsylvania income tax | -$121.52 |
| PA unemployment compensation (UC) | -$2.77 |
| Take-home pay | $3,237.89 |
Pennsylvania paycheck questions
How much tax is taken out of my paycheck in Pennsylvania?
Federal income tax, Social Security (6.2% up to $184,500 in 2026) and Medicare (1.45%), Pennsylvania income tax at a flat 3.07%, a 0.07% unemployment compensation contribution, and usually a local earned income tax. Some workers also pay a flat local services tax.
What is the Pennsylvania state income tax rate for 2026?
It is a flat 3.07% of compensation subject to withholding, according to the Department of Revenue's REV-415. There are no allowances, exemptions or standard deduction on the Pennsylvania side, so the state amount depends only on your pay.
How much is Philadelphia wage tax in 2026?
For July 1, 2026 through June 30, 2027, the Philadelphia wage tax is 3.735% for residents and 3.425% for non-residents who work in the city.
Is 401(k) money taxed in Pennsylvania?
Yes, at the time you earn it. Pennsylvania's REV-415 says employee 401(k) deferrals made by salary reduction are taxable and belong in Pennsylvania gross wages. Your federal taxable wages go down, but your Pennsylvania and local wages do not.
What is the Pennsylvania UC withholding on my pay stub?
It is the employee unemployment compensation contribution, 0.07% of gross wages (70 cents per $1,000) in 2026, with no wage cap. On a $2,000 paycheck it is $1.40.
What is the local services tax in Pennsylvania?
A flat yearly amount charged by some municipalities, prorated across your paychecks. It is $52 in most of the places we checked, $156 in Scranton and $0 in Philadelphia. Many places exempt people who earn under $12,000.
Does the Pennsylvania take-home pay calculator include school district tax?
The resident earned income tax presets include the school district share for the city's address, such as Pittsburgh at 3% (1% city plus 2% school district). That share can differ for other addresses in the same municipality, so use the custom rate if yours differs.
More paycheck tools
Paycheck calculators for other states
Estimates only, not tax advice. Results follow published 2026 withholding methods and may differ from your actual paycheck.