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Tax Year 2026Updated July 19, 2026

Pennsylvania Paycheck Calculator 2026

Pennsylvania uses a flat income tax rate of 3.07% on all taxable income. Unlike states with graduated brackets, every dollar you earn above the exemption threshold is taxed at the same rate. Combined with federal income tax and FICA deductions, use the calculator below to see your actual take-home pay per pay period.

Pennsylvania's Flat Income Tax

Pennsylvania levies a flat 3.07% income tax on all taxable income. There are no progressive brackets - whether you earn $30,000 or $300,000, the state rate is the same. This simplifies withholding calculations compared to graduated-bracket states.

The state sales tax is 6.00% (6.34% combined average with local additions), a relatively low combined rate. Some cities levy their own local income or wage taxes. Retirees benefit from full exemption of pension income.

How Your Pennsylvania Paycheck Is Calculated

  1. Gross pay: Your annual salary divided by the number of pay periods.
  2. Federal income tax: 2026 progressive brackets (10%-37%) after the federal standard deduction of $16,100 (single) or $32,200 (MFJ).
  3. Social Security: 6.2% on wages up to $184,500.
  4. Medicare: 1.45% on all wages, plus 0.9% above $200,000 (single).
  5. Pennsylvania state income tax: Flat 3.07% on taxable income.
  6. Local income tax: Some cities in Pennsylvania levy their own income or wage tax (not modeled in this calculator).

Local Income Taxes in Pennsylvania

Philadelphia imposes city wage tax (3.75% resident / 3.44% non-resident). Many PA municipalities impose earned income tax (typically 1-2%). Some school districts levy additional income tax.

Note: This calculator does not include local or city income taxes. If you live or work in a jurisdiction with a local tax, your actual take-home pay will be lower than the estimate shown.

Retirement Income in Pennsylvania

Pennsylvania fully exempts pension and retirement income from state income tax. Social Security benefits are also not taxed. This makes Pennsylvania favorable for retirees from an income tax perspective.

Worked Examples

Example 1: $95,000/year - Head of Household, Biweekly

Profile: $95,000 annual salary, Head of Household filer, paid biweekly (26 paychecks/year)

Gross per period: $3,653.85
Federal income tax: -$326.46
Social Security: -$226.54
Medicare: -$52.98
Pennsylvania state income tax: -$112.17
Net take-home pay: $2,935.70 per paycheck ($76,328/year)
Effective total tax rate: 19.65%

Example 2: $48,000/year - Married Filing Jointly, Semi-monthly

Profile: $48,000 annual salary, Married Filing Jointly filer, paid semimonthly (24 paychecks/year)

Gross per period: $2,000.00
Federal income tax: -$65.83
Social Security: -$124.00
Medicare: -$29.00
Pennsylvania state income tax: -$61.40
Net take-home pay: $1,719.77 per paycheck ($41,274/year)
Effective total tax rate: 14.01%

Example 3: $135,000/year - Single, Weekly

Profile: $135,000 annual salary, Single filer, paid weekly (52 paychecks/year)

Gross per period: $2,596.15
Federal income tax: -$406.42
Social Security: -$160.96
Medicare: -$37.64
Pennsylvania state income tax: -$79.70
Net take-home pay: $1,911.43 per paycheck ($99,394/year)
Effective total tax rate: 26.37%

Pennsylvania Tax Notes

  • Flat tax rate: 3.07% on all taxable income.
  • Supplemental withholding rate: 3.07% for bonuses and supplemental wages.
  • Local income taxes: Some Pennsylvania cities levy their own income or wage tax (not modeled here).
  • Sales tax: 6.00% state rate, 6.34% combined average with local taxes.

OBBBA Conformity

Pennsylvania's income tax is structurally independent from the federal tax code. Pennsylvania does not use federal AGI or federal deductions; the state taxes specific classes of income under its own rules. The federal OBBBA deductions for tips, overtime, and senior income do not reduce your Pennsylvania taxable compensation. These deductions still apply on your federal return.

Frequently Asked Questions

What taxes are deducted from my Pennsylvania paycheck?
Your Pennsylvania paycheck has deductions for federal income tax (10%-37% progressive brackets), FICA (Social Security + Medicare), and Pennsylvania state income tax at a flat rate of 3.07%. Local/county taxes may also apply depending on where you live.
How accurate is this paycheck calculator?
This calculator estimates take-home pay using 2026 federal and Pennsylvania state tax rates. It models federal income tax, FICA, and state income tax. It does not include pre-tax deductions (401(k), HSA, health insurance premiums), post-tax deductions, or state-specific payroll taxes (disability insurance, paid leave). Your actual paycheck may differ.
How does Pennsylvania's flat income tax work?
Pennsylvania uses a flat tax rate of 3.07% that applies to all taxable income regardless of how much you earn. Unlike graduated-bracket states where higher income is taxed at higher rates, every dollar of taxable income in Pennsylvania is taxed at the same rate.
Is Pennsylvania's flat tax rate applied to all my income?
The flat rate applies to your taxable income, which is your gross income minus any applicable deductions or exemptions. The flat rate does not apply to income below these thresholds.
How does local income tax affect my Pennsylvania paycheck?
Some cities and municipalities in Pennsylvania impose their own income or wage taxes in addition to the state tax. Philadelphia imposes city wage tax (3.75% resident / 3.44% non-resident). Many PA municipalities impose earned income tax (typically 1-2%). Some school districts levy additional income tax. These local taxes are not included in this calculator's estimate, so your actual take-home pay may be lower if you work or live in a jurisdiction with local taxes.
Is my pension or retirement income taxed in Pennsylvania?
No. Pennsylvania fully exempts pension and retirement income from state income tax. Social Security benefits are also not taxed. This makes Pennsylvania a favorable state for retirees from an income tax perspective.
How are bonuses and supplemental wages taxed in Pennsylvania?
Pennsylvania withholds state tax on bonuses, commissions, and other supplemental wages at a flat rate of 3.07%. This may differ from your regular withholding rate. At the federal level, supplemental wages are typically withheld at a flat 22% (or 37% above $1 million).
Does Pennsylvania conform to the OBBBA overtime and tips deductions?
Pennsylvania's income tax is structurally independent from the federal tax code. Pennsylvania does not use federal AGI or federal deductions; the state taxes specific classes of income under its own rules. The federal OBBBA deductions for tips and overtime do not reduce your Pennsylvania taxable compensation. These deductions still reduce your federal taxable income.