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Pennsylvania Paycheck Calculator

Calculate a Pennsylvania paycheck after federal income tax, Social Security, Medicare, the flat 3.07% state income tax and the 0.07% unemployment contribution. Add your local earned income tax rate to include it too.

  • Updated
  • Official 2026 tax tables
  • Private: runs in your browser

Your pay

Of gross pay, pre-tax

Pre-tax, per paycheck

Take-home pay per paycheck

$1,865.60

$48,506.00 a year over 26 paychecks

Paycheck breakdown, 2026
PaycheckYear
Gross pay$2,307.69$60,000.00
Federal income tax−$193.08−$5,020.00
Social Security−$143.08−$3,720.00
Medicare−$33.46−$870.00
Pennsylvania income tax−$70.85−$1,842.00
PA unemployment (UC)−$1.62−$42.00
Take-home pay$1,865.60$48,506.00

Estimate only; actual withholding depends on your W-4.

  • Pennsylvania taxes wages at a flat 3.07% with no standard deduction. Your 401(k) contributions are still taxed by Pennsylvania; qualified pre-tax health premiums are not.
  • Employees also pay 0.07% of all wages for unemployment compensation.
  • Most Pennsylvania workers also owe a local earned income tax and a Local Services Tax of up to $52 a year. Rates depend on where you live and work: look yours up with the DCED tool and enter it above.

Results are estimates for educational purposes and are not financial or tax advice.

How Pennsylvania taxes your paycheck

Pennsylvania has one of the simplest state income taxes: a flat 3.07% with no brackets, no standard deduction and no personal exemption. Your filing status doesn't change it. A single person and a married couple earning the same wages pay the same Pennsylvania tax.

What makes Pennsylvania unusual is what it taxes. Your traditional 401(k) contributions are still Pennsylvania-taxable, even though they're excluded from federal income tax. Qualified pre-tax health insurance premiums are excluded. The calculator follows both rules.

Employees also pay 0.07% of all wages for Unemployment Compensation, a small deduction labeled PA UC or SUI on most pay stubs.

Local taxes in Pennsylvania

Most Pennsylvania paychecks also have local taxes withheld:

  • Local earned income tax (EIT): levied by municipalities and school districts. Your employer withholds it based on where you live and where you work. Rates vary by location, so look yours up with the DCED tool and enter it in the calculator.
  • Local Services Tax (LST): up to $52 a year, withheld where you work.
  • Philadelphia Wage Tax: Philadelphia uses its own wage tax instead of a standard EIT. Check the city's current resident and nonresident rates before entering one.

Worked example

The 1% local rate here is only an example; your rate could be higher or lower.

Pennsylvania compared with its neighbours

Pennsylvania's flat 3.07% is simple to estimate: multiply your wages by 0.0307. Because there's no standard deduction, people on lower incomes pay Pennsylvania tax from their first dollar of wages, unlike in states with large standard deductions. Pennsylvania has a separate Tax Forgiveness program that can refund some or all of the tax for lower-income households when you file your return; the paycheck withholding doesn't reflect it.

Tips for Pennsylvania workers

  • Check your local tax setup. If you moved or changed jobs, make sure your employer has your correct home address so the right local EIT is withheld.
  • Remember the 401(k) difference. Your 401(k) saves federal income tax but not Pennsylvania tax, so the take-home cost of contributing is a little higher than in most states.
  • Look into Tax Forgiveness. If your household income is low, you may get back some or all of the Pennsylvania tax withheld when you file Form PA-40.

These are withholding estimates. Pennsylvania tax is settled on your PA-40, and local EIT on your local return if your municipality requires one.

Frequently asked questions

What is the Pennsylvania income tax rate in 2026?

Pennsylvania's personal income tax is a flat 3.07%, the rate in place since 2004. There's no standard deduction or personal exemption, so the rate applies to your taxable compensation from the first dollar.

Does a 401(k) lower my Pennsylvania tax?

No. Pennsylvania treats employee contributions to a 401(k) or other deferred compensation plan as taxable compensation, so your 401(k) lowers federal income tax but not Pennsylvania income tax. Qualified pre-tax health premiums under a Section 125 plan are excluded, to the extent they're excluded for federal tax.

What is PA UC on my pay stub?

It's the employee Unemployment Compensation contribution: 0.07% of gross wages, or 70 cents per $1,000, with no cap on the wages it applies to. It applies to all employees in 2026.

How do I find my local earned income tax rate?

Use the Pennsylvania DCED Municipal Statistics lookup to find the earned income tax rate and PSD code for your address. Enter your resident rate in the calculator. Philadelphia has its own Wage Tax instead, so check the City of Philadelphia's current rate if you live or work there.

What is the Local Services Tax?

It's a tax some municipalities levy on people who work there, collected through payroll. The total any person pays in a calendar year is limited to $52. It isn't included in this calculator, so subtract it if it appears on your pay stub.

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