Pennsylvania Paycheck Calculator 2026
Take-home pay in Pennsylvania for 2026 — the flat 3.07% state tax with no deductions, plus federal tax and FICA.
California SDI is withheld at 1.3% of all wages in 2026 (no cap). Rates above $1M include the 1% mental-health surtax (top rate 13.3%).
Estimates for the 2026 tax year using the standard deduction. Actual withholding depends on your W-4, benefits, credits, and local taxes. Not tax advice.
How to calculate your Pennsylvania take-home pay for 2026
Pennsylvania uses a flat 3.07% state income tax rate with no general standard deduction, paired with local municipal Earned Income Taxes (EIT) across cities like Philadelphia, Pittsburgh, Allentown, and Reading. Calculating net pay requires accounting for federal taxes, FICA, state tax, and local wage taxes.
- PA Flat State Tax (3.07%): Assessed flat across all earned income with zero state standard deduction.
- PA Municipal Earned Income Tax (EIT 1.0%–3.75%): Local wage taxes levied by municipalities (e.g. Philadelphia 3.75%, Pittsburgh 3.0%, Allentown 1.35%).
- PA Employee UC Tax (0.07%): A small state unemployment compensation tax withheld directly from gross wages.
- Federal Taxes & FICA (7.65%): Progressive federal income tax (10%–37%) plus 6.2% Social Security (up to $176,100) and 1.45% Medicare.
Pennsylvania 2026 state & local tax breakdown
Pennsylvania's tax structure is unique due to its strict 3.07% flat state rate paired with local municipality EIT taxes collected under Act 32. Employers withhold local wage tax based on the higher of the employee's resident or workplace municipality rate.
For Philadelphia residents, the Philadelphia Wage Tax (3.75%) applies in lieu of standard municipal EIT, making total state+local wage tax roughly 6.82%. Additionally, Pennsylvania assesses an employee-paid Unemployment Compensation tax of 0.07%, which appears as a small deduction on pay stubs.
Client-side security for private financial calculations
Entering your salary and personal tax details into online calculators should never risk your financial privacy. Most online financial calculators store or track user wage inputs on server databases.
ToolJiffy operates on a zero-cloud architecture. All tax formulas execute 100% locally inside your browser memory. Your salary numbers and tax withholdings never leave your personal computer or mobile device.
Step-by-step guide to using the PA paycheck calculator
- Enter gross pay: Input annual salary or hourly wages with pay frequency (biweekly, weekly, monthly).
- Select filing status: Choose Single, Married Filing Jointly, or Head of Household.
- View net pay summary: See detailed breakdown of federal tax, PA state tax (3.07%), FICA, and net take-home pay.
Frequently asked questions
What is the Pennsylvania state income tax rate for 2026?
Pennsylvania taxes earned income at a flat state rate of 3.07%. Unlike the federal tax system, PA state tax does not offer a general standard deduction or personal exemption.
Do Pennsylvania cities and school districts levy local income tax (EIT)?
Yes. Most PA municipalities levy a local Earned Income Tax (EIT) ranging from 1.0% to over 3.8% (Philadelphia levies 3.75% resident wage tax, Pittsburgh levies 3.0% EIT).
What is PA Unemployment Compensation (UC) employee tax withholding?
Pennsylvania assesses a small Unemployment Compensation (UC) employee payroll tax (typically 0.07% of gross wages) withheld directly on pay stubs.
Does Pennsylvania tax 401(k) retirement contributions?
Under PA state law, employee contributions to traditional 401(k) plans ARE exempt from PA state income tax. However, IRC Section 125 flexible spending accounts may differ.
Does Pennsylvania tax Social Security benefits or pensions?
Pennsylvania is highly tax-friendly for retirees — Social Security benefits, public/private pensions, and 401(k)/IRA retirement distributions are 100% exempt from PA state income tax.
What mandatory federal payroll taxes apply in Pennsylvania?
PA paychecks are subject to federal income tax (10%–37%) plus FICA taxes: 6.2% Social Security (up to $176,100 wage cap) and 1.45% Medicare tax.
Are pre-tax health insurance premiums exempt from PA state tax?
Yes, qualified pre-tax medical, dental, and vision insurance premiums under Section 125 cafeteria plans reduce gross income for PA state tax purposes.
Is ToolJiffy Pennsylvania Paycheck Calculator free and private?
Yes! ToolJiffy is 100% free, requires no registration, and computes all deductions locally in browser memory.
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Frequently Asked Questions
What is the Pennsylvania state income tax rate for 2026?
Pennsylvania taxes earned income at a flat state rate of 3.07%. Unlike the federal tax system, PA state tax does not offer a general standard deduction or personal exemption.
Do Pennsylvania cities and school districts levy local income tax (EIT)?
Yes. Most PA municipalities levy a local Earned Income Tax (EIT) ranging from 1.0% to over 3.8% (Philadelphia levies 3.75% resident wage tax, Pittsburgh levies 3.0% EIT).
What is PA Unemployment Compensation (UC) employee tax withholding?
Pennsylvania assesses a small Unemployment Compensation (UC) employee payroll tax (typically 0.07% of gross wages) withheld directly on pay stubs.
Does Pennsylvania tax 401(k) retirement contributions?
Under PA state law, employee contributions to traditional 401(k) plans ARE exempt from PA state income tax. However, IRC Section 125 flexible spending accounts may differ.
Does Pennsylvania tax Social Security benefits or pensions?
Pennsylvania is highly tax-friendly for retirees — Social Security benefits, public/private pensions, and 401(k)/IRA retirement distributions are 100% exempt from PA state income tax.
What mandatory federal payroll taxes apply in Pennsylvania?
PA paychecks are subject to federal income tax (10%–37%) plus FICA taxes: 6.2% Social Security (up to $176,100 wage cap) and 1.45% Medicare tax.
Are pre-tax health insurance premiums exempt from PA state tax?
Yes, qualified pre-tax medical, dental, and vision insurance premiums under Section 125 cafeteria plans reduce gross income for PA state tax purposes.
Is ToolJiffy Pennsylvania Paycheck Calculator free and private?
Yes! ToolJiffy is 100% free, requires no registration, and computes all deductions locally in browser memory.