Pennsylvania Paycheck Calculator
Estimate your exact Pennsylvania take-home pay in seconds. Pennsylvania uses a flat 3.07% state income tax rate — no graduated brackets — plus a local Earned Income Tax (EIT) that varies by city or borough. Enter your salary below to see every deduction broken down clearly.
💡 What If My Salary Changes?
Drag the slider to instantly see how a raise or pay cut changes your Pennsylvania take-home pay — including state and local tax impact.
How the Pennsylvania Paycheck Calculator Works
Pennsylvania is one of the few states that taxes income at a single flat rate — 3.07% — applied equally to every dollar of wages regardless of how much you earn. There are no graduated brackets, no personal exemptions, and no standard deduction at the state level. That makes the Pennsylvania income tax calculation straightforward: multiply taxable wages by 0.0307. What makes Pennsylvania unique among flat-tax states is the addition of a local Earned Income Tax (EIT), levied by cities, boroughs, and school districts on top of the state rate. Philadelphia charges residents 3.79%, Pittsburgh 3%, and smaller municipalities typically charge between 1% and 2%. This calculator accounts for all layers — federal, state, local, Social Security, Medicare, and PA SUI — so the number you see is as close to your real take-home as a calculator can produce.
Pennsylvania Paycheck Deductions Explained
- Pennsylvania State Income Tax (3.07%) — Applied as a flat rate to all taxable wages. Pre-tax deductions like 401(k) contributions reduce your PA taxable income just as they reduce federal taxable income.
- Local Earned Income Tax (EIT) — Charged by your city or borough of residence. Philadelphia residents pay the highest rate at 3.79%. Most townships charge 1%–2%. Non-residents working in Philadelphia pay a lower non-resident rate of 3.44%.
- Pennsylvania SUI (Employee Share) — Pennsylvania charges employees a State Unemployment Insurance rate of 0.07% on all wages — no wage-base cap. This is one of the lowest employee SUI rates in the country.
- Federal Income Tax — Uses the standard IRS brackets (10%–37%), applied to income after your standard deduction and pre-tax contributions.
- Social Security (6.2%) — Applied to wages up to the annual wage base of $184,500.
- Medicare (1.45%) — Applied to all wages, with an additional 0.9% surtax on income above $200,000 (single) or $250,000 (married filing jointly).
- Pre-Tax Deductions — 401(k), 403(b), HSA, and FSA contributions reduce both your federal and Pennsylvania taxable income, making them doubly effective for PA workers.
| Deduction | Rate | Applies To |
|---|---|---|
| Federal Income Tax | 10%–37% | Taxable income after deductions & credits |
| PA State Income Tax | 3.07% flat | All taxable wages (no brackets, no std. deduction) |
| PA Local EIT | 1%–3.79% | All wages — rate depends on municipality |
| PA SUI (Employee) | 0.07% | All wages, no wage-base cap |
| Social Security | 6.2% | Wages up to $184,500 annual wage base |
| Medicare | 1.45% | All earned income |
| Additional Medicare Tax | 0.9% | Income above $200K (single) / $250K (married) |
Pennsylvania Paycheck Calculator by City
Because local EIT rates vary significantly across Pennsylvania, your city of residence has a real impact on take-home pay. The table below compares annual take-home for a $65,000 salary across major Pennsylvania cities.
| City | Local EIT Rate | Total State + Local | Est. Annual Take-Home* |
|---|---|---|---|
| Philadelphia | 3.79% | 6.86% | ~$44,800 |
| Pittsburgh | 3.00% | 6.07% | ~$45,700 |
| Reading | 3.60% | 6.67% | ~$45,000 |
| Allentown | 1.975% | 5.045% | ~$46,500 |
| Erie | 1.80% | 4.87% | ~$46,700 |
| Harrisburg | 2.00% | 5.07% | ~$46,500 |
| Lancaster | 1.10% | 4.17% | ~$47,200 |
| Bethlehem | 1.50% | 4.57% | ~$46,900 |
| Other / Typical | 1.00% | 4.07% | ~$47,300 |
*Estimates based on single filing status, no dependents, no pre-tax deductions. Use the calculator above for your exact figure.
Pennsylvania Salary After Tax: Common Examples
| Annual Salary | Federal Tax (Est.) | PA State Tax (3.07%) | FICA (Est.) | Est. Take-Home |
|---|---|---|---|---|
| $35,000 | ~$2,670 | ~$1,075 | ~$2,678 | ~$28,600 |
| $50,000 | ~$4,800 | ~$1,535 | ~$3,825 | ~$39,800 |
| $65,000 | ~$7,490 | ~$1,996 | ~$4,973 | ~$50,500 |
| $80,000 | ~$10,480 | ~$2,456 | ~$6,120 | ~$60,900 |
| $100,000 | ~$14,780 | ~$3,070 | ~$7,650 | ~$74,500 |
| $120,000 | ~$19,580 | ~$3,684 | ~$9,180 | ~$87,600 |
| $150,000 | ~$27,080 | ~$4,605 | ~$11,243 | ~$107,100 |
*Single filer, typical local EIT 1%, no pre-tax deductions. Use the calculator above for a precise result.
Frequently Asked Questions
What is Pennsylvania’s state income tax rate?
Pennsylvania charges a flat state income tax rate of 3.07% on all taxable wages. Unlike most states, there are no graduated brackets — every Pennsylvania worker pays the same 3.07%, whether they earn $25,000 or $250,000 per year.
How much is taken out of a Pennsylvania paycheck?
A typical Pennsylvania paycheck deducts federal income tax, Pennsylvania flat state tax (3.07%), local Earned Income Tax (1%–3.79% depending on your city), Social Security (6.2%), Medicare (1.45%), and PA SUI (0.07%). The total effective rate typically ranges from 20% to 35% depending on your income level, filing status, and municipality.
Does Pennsylvania have local income taxes?
Yes. Pennsylvania has one of the most active local tax systems in the U.S., with nearly every municipality and school district levying a Local Earned Income Tax (EIT). Rates range from under 1% in rural townships to 3.79% in Philadelphia. Your employer typically withholds the rate for your municipality of residence.
What is the Pennsylvania local income tax for Philadelphia?
Philadelphia residents pay a local Earned Income Tax of 3.79% on wages. Non-residents who work in Philadelphia but live elsewhere pay a lower non-resident rate of 3.44%. Combined with the state’s 3.07%, Philadelphia workers face a total state + local income tax burden of 6.86% before any federal withholding.
What is Pennsylvania SUI and how much is it?
Pennsylvania SUI (State Unemployment Insurance) has an employee-paid component of 0.07% on all wages. There is no wage-base cap, meaning the 0.07% applies to every dollar earned. At $65,000 annual salary, this amounts to just $45.50 per year — one of the lowest employee SUI contributions in the country.
Do 401(k) contributions reduce Pennsylvania state taxes?
Yes. Pennsylvania follows federal treatment for most pre-tax retirement contributions, meaning traditional 401(k) and 403(b) contributions reduce your PA taxable income as well as your federal taxable income. This makes pre-tax contributions doubly effective in Pennsylvania compared to states that don’t allow pre-tax deductions.
What is Pennsylvania’s minimum wage?
Pennsylvania’s minimum wage is $7.25 per hour — equal to the federal minimum wage. Pennsylvania has not passed a state-level increase above the federal floor. Some Philadelphia and Pittsburgh employers follow higher local or internal minimums, but there is no statewide mandate above $7.25.
How is overtime taxed in Pennsylvania?
Overtime pay is taxed at the same rates as regular wages in Pennsylvania — 3.07% state flat tax, your local EIT rate, and standard federal income tax. Pennsylvania follows federal FLSA rules requiring 1.5x pay for hours over 40 in a workweek. There is no separate overtime tax rate at the state or local level.
What is the difference between Pittsburgh and Philadelphia local tax?
Philadelphia charges a resident Earned Income Tax of 3.79%, making it the highest local income tax in Pennsylvania. Pittsburgh charges a lower rate of 3.00%. Both cities apply their tax on top of the statewide 3.07% flat tax. A worker earning the same salary in Pittsburgh keeps roughly $500–$700 more per year after local taxes than a Philadelphia resident.
How accurate is this Pennsylvania paycheck calculator?
This tool uses current IRS federal tax brackets, Pennsylvania’s official 3.07% flat rate, published local EIT rates for major PA cities, and current FICA rates to provide a reliable estimate. Actual withholding may vary slightly based on your W-4 elections, employer benefits packages, and specific school district EIT rates. For precise payroll figures, consult a licensed PA tax professional or payroll specialist.
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This calculator provides estimates for general informational purposes only, based on current federal IRS tax brackets, Pennsylvania’s 3.07% flat state income tax, published local EIT rates, and FICA rates. It does not constitute tax, legal, or financial advice. Local EIT rates may vary by school district and are subject to change. Consult a licensed Pennsylvania tax professional or payroll specialist for guidance specific to your situation.