Pennsylvania Paycheck Calculator
Your estimated take-home pay in Pennsylvania for 2026 — federal tax plus Pennsylvania's flat 3.07% state tax, figured the way the Department of Revenue requires: on every dollar of compensation, with no standard deduction and no exemptions.
Advanced — W-4 adjustments (optional)
| Gross pay | $0.00 |
| Pre-tax deductions | −$0.00 |
| Federal income tax | −$0.00 |
| Social Security (6.2%) | −$0.00 |
| Medicare (1.45%) | −$0.00 |
| Pennsylvania state tax (3.07%) | −$0.00 |
| Take-home pay | $0.00 |
Not included above: two deductions most Pennsylvania paychecks have that this calculator does not subtract. First, a local Earned Income Tax: most Pennsylvania municipalities and school districts levy a combined resident EIT of about 1% of wages under Act 32 — and Philadelphia's city wage tax is far higher, about 3.74% for residents (3.43% for nonresidents who work in the city). Second, Pennsylvania's employee unemployment compensation contribution of 0.07% of gross wages, with no wage cap. Together they typically take another 1% to 4% of pay, so your real take-home will be lower than the estimate. See “Pennsylvania pay rules worth knowing” below.
Quick answers
$80,000 a year in Pennsylvania: take-home pay of $2,337.00 per paycheck (every two weeks), or $60,762.00 a year.
$35 an hour in Pennsylvania (40 hours a week): take-home pay of $1,075.34 per weekly paycheck, or $55,917.68 a year.
$100,000 a year in Pennsylvania: take-home pay of $2,854.53 per paycheck (every two weeks), or $74,217.78 a year.
All three assume a single filer with no pre-tax deductions, and none of them subtracts a local earned income tax — see the note under the calculator.
How this calculator works
Pennsylvania has the simplest state withholding in the country at the state level — and one of the most complicated local layers underneath it. The steps:
- Start with gross pay for the period — your salary divided by the number of paychecks in the year, or your hourly rate times the hours in the paycheck.
- Subtract pre-tax deductions for the federal side — carefully. A traditional 401(k) lowers your federal taxable pay. It does not lower your Pennsylvania tax: the Department of Revenue's Personal Income Tax Guide lists employee contributions to a retirement plan or a qualified deferred compensation plan as always taxable Pennsylvania compensation. This calculator treats the pre-tax amount you enter as retirement-style contributions. Health premiums paid through a qualified Section 125 cafeteria plan are the exception — Pennsylvania excludes those, so if part of your pre-tax amount is cafeteria-plan premiums, your real PA tax will be slightly lower than shown.
- Annualize and apply the IRS schedule. Your federal taxable pay is annualized, run through the Publication 15-T (2026) schedule for your filing status and W-4 entries, then divided back into paychecks.
- Add FICA. Social Security is 6.2% of wages up to $184,500 for 2026; Medicare is 1.45% of all wages, plus 0.9% withholding on wages from one employer above $200,000.
- Pennsylvania tax — a flat 3.07%. The Department of Revenue requires employers to withhold 3.07% of compensation (form REV-415). There is no standard deduction, no personal exemption, and no state withholding form to adjust: the same 3.07% comes out of every dollar, for every filing status.
- What is not subtracted: your local Earned Income Tax (about 1% in most communities, about 3.74% in Philadelphia) and the 0.07% employee unemployment contribution. Both come out of real Pennsylvania paychecks.
- The remainder is your take-home pay.
Worked examples
These examples were produced with this calculator's own engine — IRS Publication 15-T for the federal lines, the Department of Revenue's flat 3.07% of compensation for the Pennsylvania line. Unless stated otherwise: single filer, no pre-tax deductions, no W-4 adjustments. Rows are the calculator's outputs, rounded to the cent.
Example 1: $80,000 salary, single, paid every two weeks
| Gross pay per paycheck | $3,076.92 |
| Federal income tax | −$410.08 |
| Social Security (6.2%) | −$190.77 |
| Medicare (1.45%) | −$44.62 |
| Pennsylvania state tax (3.07%) | −$94.46 |
| Take-home pay | $2,337.00 |
Over a full year: $60,762.00 of take-home pay out of $80,000 gross. Pennsylvania's share is $94.46 a paycheck, $2,455.96 over the year — exactly 3.07% of gross pay, because nothing is sheltered: no standard deduction, no exemption, no lower bracket on the first dollars.
Example 2: $120,000 salary, single, with a 401(k)
Paid every two weeks, with a pre-tax 401(k) contribution of $300 per paycheck.
| Gross pay per paycheck | $4,615.38 |
| Pre-tax 401(k) contribution | −$300.00 |
| Federal income tax | −$682.54 |
| Social Security (6.2%) | −$286.15 |
| Medicare (1.45%) | −$66.92 |
| Pennsylvania state tax (3.07%) | −$141.69 |
| Take-home pay | $3,138.07 |
Without the 401(k), federal withholding would be $753.77 per paycheck: contributing $300 cuts it by $71.23 per paycheck, or $1,851.98 over a year. Pennsylvania does not follow: state tax is $141.69 per paycheck with or without the contribution, because Pennsylvania taxes 401(k) contributions when you make them (it generally leaves retirement distributions alone later instead). So the $300 contribution costs $228.77 of spendable pay per check. Take-home pay for the year is $81,589.82, plus $7,800 that went into the 401(k).
Example 3: $30 an hour, married filing jointly, paid weekly
| Gross pay per paycheck (40 hours) | $1,200.00 |
| Federal income tax | −$89.92 |
| Social Security (6.2%) | −$74.40 |
| Medicare (1.45%) | −$17.40 |
| Pennsylvania state tax (3.07%) | −$36.84 |
| Take-home pay | $981.44 |
At 40 hours a week, $30 an hour is $62,400 a year before tax and $51,034.88 after. Marriage changes the federal line but not the Pennsylvania one: the state takes $36.84 a week, $1,915.68 over the year — the same 3.07% a single filer would pay on identical pay.
Pennsylvania take-home pay by salary
Single filer, paid every two weeks, no pre-tax deductions. Local earned income tax and the employee unemployment contribution are not included.
| Annual salary | Gross per paycheck | Federal tax | Pennsylvania tax | FICA | Take-home per paycheck | Take-home per year |
|---|---|---|---|---|---|---|
| $40,000 | $1,538.46 | −$140.46 | −$47.23 | −$117.69 | $1,233.08 | $32,060.08 |
| $50,000 | $1,923.08 | −$186.62 | −$59.04 | −$147.11 | $1,530.30 | $39,787.80 |
| $60,000 | $2,307.69 | −$240.85 | −$70.85 | −$176.54 | $1,819.45 | $47,305.70 |
| $75,000 | $2,884.62 | −$367.77 | −$88.56 | −$220.68 | $2,207.62 | $57,398.12 |
| $100,000 | $3,846.15 | −$579.31 | −$118.08 | −$294.23 | $2,854.53 | $74,217.78 |
| $125,000 | $4,807.69 | −$799.92 | −$147.60 | −$367.79 | $3,492.38 | $90,801.88 |
| $150,000 | $5,769.23 | −$1,030.69 | −$177.12 | −$441.34 | $4,120.07 | $107,121.82 |
Because the rate is flat and nothing is sheltered, the Pennsylvania column is 3.07% of salary at every row — $1,228 a year at $40,000, $4,605 at $150,000. The comparison that makes the point: the same $100,000 filer takes home $77,287.86 a year in Texas or Florida, where there is no state tax. In Pennsylvania they keep $74,217.78. The $3,070.08 difference is exactly the year's Pennsylvania tax — before the local earned income tax that most Pennsylvania workers also pay.
Pennsylvania take-home pay by the hour
Single filer, paid weekly, 40 hours a week, no pre-tax deductions. Local earned income tax and the employee unemployment contribution are not included.
| Hourly rate | Gross per week | Federal tax | Pennsylvania tax | FICA | Take-home per week | Take-home per year |
|---|---|---|---|---|---|---|
| $15.00 | $600.00 | −$49.92 | −$18.42 | −$45.90 | $485.76 | $25,259.52 |
| $20.00 | $800.00 | −$73.92 | −$24.56 | −$61.20 | $640.32 | $33,296.64 |
| $25.00 | $1,000.00 | −$97.92 | −$30.70 | −$76.50 | $794.88 | $41,333.76 |
| $30.00 | $1,200.00 | −$130.58 | −$36.84 | −$91.80 | $940.78 | $48,920.56 |
| $40.00 | $1,600.00 | −$218.58 | −$49.12 | −$122.40 | $1,209.90 | $62,914.80 |
| $50.00 | $2,000.00 | −$306.58 | −$61.40 | −$153.00 | $1,479.02 | $76,909.04 |
Pennsylvania's minimum wage is $7.25 an hour in 2026 — the federal floor — so every row here sits well above it. Even at $15 an hour, the state line is $18.42 a week, $957.84 over a year, because the 3.07% starts at the first dollar.
Pennsylvania pay rules worth knowing
The local Earned Income Tax is the layer most people miss. Under Act 32, your employer withholds a resident EIT for the municipality and school district where you live, collected by a regional tax collector. The combined rate is typically about 1% of wages, and some communities charge notably more. Philadelphia runs its own wage tax instead: about 3.74% for residents and 3.43% for nonresidents who work in the city in 2026. None of this is in the calculator above — on a $60,000 salary, a 1% EIT is another $600 a year.
You also pay into unemployment. Pennsylvania is one of only three states where employees contribute to unemployment compensation: 0.07% of gross wages is withheld from every paycheck, with no wage cap (Department of Labor & Industry). On a $60,000 salary that is $42 a year. It is not deducted above.
Paydays. The Wage Payment and Collection Law requires employers to pay on regular paydays designated in advance, and to notify employees at the time of hire of their paydays, pay rate, and fringe benefits. Most Pennsylvania employers pay every two weeks or twice a month.
Final paychecks. If you are fired, laid off, or quit, all wages due must be paid no later than the next regular payday (43 P.S. § 260.5). Wages left unpaid 30 days past that date, without a good-faith dispute, carry liquidated damages of 25% of the amount due or $500, whichever is greater.
Minimum wage. $7.25 an hour, tied to the federal rate by the Pennsylvania Minimum Wage Act and unchanged since 2009. Tipped employees can be paid a cash wage of $2.83 an hour as long as tips bring them to $7.25. Overtime is time and a half after 40 hours in a workweek.
Bonuses get no special rate. Bonuses, commissions, and incentive pay are compensation, withheld at the same flat 3.07% — a $5,000 bonus has $153.50 of Pennsylvania tax withheld. The federal side does have flat supplemental rates — see the Bonus Tax Calculator.
There is no Pennsylvania W-4. With a flat rate and no exemptions, there is nothing to adjust: withholding is 3.07% of compensation no matter what you claim federally, and any difference settles up on your PA-40 return.
Sources
Federal withholding follows IRS Publication 15-T (2026). FICA rates are from IRS Topic No. 751, and the 2026 Social Security wage base of $184,500 is from the Social Security Administration. The 3.07% withholding rate is from the Pennsylvania Department of Revenue's employer withholding guidance; the treatment of retirement contributions and cafeteria plans is from the Department's Personal Income Tax Guide — Gross Compensation. The 0.07% employee unemployment contribution is from the Department of Labor & Industry's employee withholding page. Payday and final-pay rules are from the Wage Payment and Collection Law (43 P.S. §§ 260.3, 260.5). Calculation details are on our methodology page.
Related calculators
Compare Pennsylvania with its flat-tax neighbors in method if not in rate: the Illinois Paycheck Calculator (4.95%, with allowances) and the North Carolina Paycheck Calculator. Run the same pay in a state with no income tax: the Texas Paycheck Calculator. The Paycheck Calculator hub covers every state we support, and Paycheck Calculators by State lists them all. Also see the Overtime Calculator, the Hourly Paycheck Calculator, and the Bonus Tax Calculator.
Frequently asked questions
Frequently asked questionsHow much is $100,000 a year after taxes in Pennsylvania?
For a single filer paid every two weeks, with no pre-tax deductions: $2,854.53 take-home per paycheck and $74,217.78 over a full year. Pennsylvania takes exactly $3,070.08 of that in state tax — a flat 3.07% of gross pay. Your real take-home will be a little lower, because most Pennsylvania paychecks also lose a local earned income tax (typically about 1%) and a 0.07% state unemployment contribution that this calculator does not deduct.
What is Pennsylvania's income tax rate in 2026?
A flat 3.07% of gross compensation, unchanged since 2004. Pennsylvania has no tax brackets, no standard deduction, and no personal exemptions for wage withholding, so the 3.07% applies from the first dollar you earn to the last. There is no Pennsylvania W-4 to adjust — the rate is the same for everyone.
Does Pennsylvania tax 401(k) contributions?
Yes. The Pennsylvania Department of Revenue's Personal Income Tax Guide lists employee contributions to a retirement plan and to a qualified deferred compensation plan as always taxable Pennsylvania compensation. In our $120,000 example, contributing $300 a paycheck cut federal withholding by $71.23 but left Pennsylvania tax at $141.69 — unchanged. The exception is health premiums paid through a qualified Section 125 cafeteria plan, which Pennsylvania does exclude.
What local taxes come out of a Pennsylvania paycheck?
Most Pennsylvania workers pay a local Earned Income Tax under Act 32, withheld by the employer for the municipality and school district where the employee lives. The combined resident rate is typically about 1% of wages, though some communities charge more. Philadelphia is separate and much higher: its city wage tax is about 3.74% for residents and 3.43% for nonresidents who work in the city in 2026. Pennsylvania also withholds an employee unemployment compensation contribution of 0.07% of gross wages, with no cap. This calculator deducts none of these — it shows the state 3.07% only.
What is Pennsylvania's minimum wage in 2026?
$7.25 an hour — Pennsylvania's Minimum Wage Act ties the state floor to the federal rate, and it has not moved since 2009. The tipped cash wage is $2.83 an hour, provided tips bring the employee to at least $7.25. Pennsylvania cities cannot set a higher general minimum wage.
How often does my employer have to pay me in Pennsylvania?
On regular paydays your employer designates in advance, under the Wage Payment and Collection Law. Your employer must tell you at the time of hire when paydays fall, where you will be paid, and what you will earn. Most Pennsylvania employers pay every two weeks or twice a month.
When is my final paycheck due if I leave a Pennsylvania job?
No later than the next regular payday, whether you were fired, laid off, or quit (43 P.S. § 260.5). If your wages are still unpaid 30 days after that payday without a good-faith dispute, the Wage Payment and Collection Law adds liquidated damages of 25% of the amount due or $500, whichever is greater.
Are bonuses taxed differently in Pennsylvania?
No. Bonuses, commissions, and incentive pay are compensation in Pennsylvania and are withheld at the same flat 3.07% — there is no separate supplemental rate. A $5,000 bonus paid on its own check has $153.50 of Pennsylvania tax withheld. The federal side does use a flat supplemental rate — see the Bonus Tax Calculator.
Why is my actual Pennsylvania paycheck lower than this estimate?
Usually the local layer: a resident Earned Income Tax of about 1% in most municipalities (about 3.74% in Philadelphia) plus the 0.07% employee unemployment contribution are withheld from real paychecks but not deducted here. Benefit premiums you pay outside a cafeteria plan, garnishments, and union dues also come out of actual pay.
Estimate for general information only — not tax, legal, or financial advice. Federal method: IRS Publication 15-T (2026). Pennsylvania: Department of Revenue, employer withholding at a flat 3.07% of compensation; PA Personal Income Tax Guide, Gross Compensation. Local earned income tax and the 0.07% employee unemployment contribution are not deducted. Social Security wage base 2026: $184,500 (SSA). See our methodology & sources.