PA Paycheck Calculator estimates your take‑home pay after federal income tax, Pennsylvania’s flat 3.07 % state income tax, and FICA. On a $75,000 salary filed Single with no pre‑tax deductions and no local EIT, a Pennsylvania worker takes home roughly $2,280 per bi‑weekly paycheck ($59,290 per year). Add a typical 1 % local Earned Income Tax and that drops to about $2,251 ($58,540 per year). The calculator above does not include local EIT automatically; subtract your municipality’s rate from the result.

Quick version: Federal tax $7,670 + PA state tax $2,303 + FICA $5,738 = $15,711 in total deductions on a $75,000 salary (Single, no local EIT). Effective combined rate: 20.9 %. With a 1 % local EIT ($750), total rises to $16,461 — effective 21.9 %.

This PA Paycheck Calculator provides estimates for educational purposes, not tax advice. Consult a tax professional for your specific situation.

How to Use This PA Paycheck Calculator

Enter your Annual Gross Salary using the slider or type it directly into the field. Choose your Pay Frequency: Weekly (52 pay periods), Bi‑weekly (26), Semi‑monthly (24), Monthly (12), or Annual (1). Then select your Filing Status from the dropdown: Single, Married Filing Jointly, or Head of Household.

The State dropdown is pre‑set to Pennsylvania. If you want to compare your take‑home pay against a neighbouring state, switch to New Jersey’s paycheck calculator or Ohio’s paycheck calculator and run the same salary.

For a more accurate result, expand the Pre‑Tax Deductions section. Set your 401(k) Contribution as a percentage of gross pay; each point reduces your taxable income before both federal and state taxes apply. Enter your monthly Health Insurance premium if your employer deducts it pre‑tax.

The Pay Breakdown tab shows your Net Take‑Home Pay at the top, followed by Federal Tax, State Tax, Social Security, and Medicare. Switch to the Tax Details tab for a line‑by‑line view of how your income passes through each federal bracket. One thing to flag: this tool does not include Pennsylvania local EIT or Philadelphia wage tax. Both are covered in detail below so you can subtract them manually.

Understanding Your Pennsylvania Paycheck

Pennsylvania is one of fifteen states that use a flat income tax rate. At 3.07 % it sits just above Arizona (2.50 %), Indiana (2.95 %), and Louisiana (3.00 %) among the states with the lowest flat rates. Unlike progressive‑tax states where your top dollar gets taxed at a higher rate, every Pennsylvania worker pays the same 3.07 % regardless of whether they earn $30,000 or $300,000. The rate has been 3.07 % since 2004 and has not changed in over two decades.

What makes Pennsylvania unusual is not the state rate; it is the local layer. Nearly every municipality and school district in the state levies a local Earned Income Tax. Your paycheck gets hit by the state’s 3.07 %, then by your local EIT (typically 1 % to 3.60 %), and then by federal income tax and FICA on top of that. The local EIT is split between your municipality and your school district, with the total capped at a combined rate set by your specific jurisdiction.

Here is what that means for your paycheck. On a $75,000 salary filing Single, Pennsylvania state tax is $2,303 per year ($75,000 times 3.07 %, no deductions subtracted). A 1 % local EIT adds another $750. Federal tax runs about $7,670. FICA takes $5,738. Total deductions without local EIT: roughly $15,711. With a 1 % local EIT: about $16,461. That leaves $59,290 without local EIT or $58,540 with it.

Pennsylvania does not offer a standard deduction or personal exemption against state income tax; the PA Department of Revenue states this explicitly in its PIT guide. The 3.07 % applies to your full gross compensation. This is different from neighbouring states: New York offers an $8,000 state standard deduction, Ohio exempts the first $26,050, and New Jersey uses progressive brackets starting at 1.4 %. Pennsylvania’s approach is the simplest to calculate but offers no shelter for low‑income earners.

Pennsylvania Income Tax Rate 2026

Pennsylvania’s flat rate of 3.07 % applies to eight classes of taxable income: compensation, net profits, interest, dividends, rents and royalties, estate or trust income, gambling income, and sale of property. For W‑2 employees, compensation is the relevant class and it means your total gross wages.

The rate has been locked at 3.07 % since 2004. Governor Shapiro proposed lowering it to 2.8 % in his 2025 budget address, but the legislature did not pass the reduction. As of March 2026, the rate remains 3.07 % with no pending legislation expected to change it this session.

One calculation most people miss: Pennsylvania’s 3.07 % rate looks low compared to New York’s 4 %–10.9 % or New Jersey’s 1.4 %–10.75 %. But Pennsylvania has no standard deduction. New York shelters $8,000 of income from state tax. New Jersey’s lowest bracket covers the first $20,000 at just 1.4 %. On a $75,000 salary, the effective state tax burden in Pennsylvania ($2,303) is actually higher than Ohio ($1,346, which exempts the first $26,050) and lower than New Jersey (roughly $2,596 after progressive brackets and the $1,000 personal exemption).

The numbers tell the story. Pennsylvania’s low rate is partially offset by the lack of any deduction or exemption.

Pennsylvania Local Earned Income Tax (EIT)

The local EIT is mandatory in most Pennsylvania municipalities. Unlike Michigan’s 24 city income taxes or Colorado’s four OPT cities, Pennsylvania’s local tax applies statewide across thousands of jurisdictions. Each municipality and school district sets its own rate, and the two combine into a single total EIT rate for your location.

The Pennsylvania Department of Community and Economic Development maintains a lookup tool for EIT rates by address. The total combined rates typically range from 1 % to 3.60 % for most jurisdictions. Philadelphia is an outlier at 3.74 % for residents (3.43 % for non‑residents), making it one of the highest local income tax rates in the country.

Here are the EIT rates for Pennsylvania’s largest cities:

On a $75,000 salary, a Philadelphia resident pays roughly $2,805 in city wage tax per year on top of the $2,303 state tax. A Pittsburgh resident pays $2,250. Someone in a rural municipality with a 1 % total EIT pays $750. This PA Paycheck Calculator does not include local EIT; subtract your applicable rate from the result.

The EIT applies based on where you live AND where you work. If you live and work in different municipalities with different rates, your employer withholds at the higher of the two rates. When you file your local tax return, you receive a credit for the tax paid to the work location against your resident obligation. If you work remotely from home, the work location is your home municipality.

Federal Tax Brackets 2026

Federal income tax hits every Pennsylvania paycheck before the state gets its 3.07 %. The 2026 brackets, set by IRS Revenue Procedure 2025‑32 under the One Big Beautiful Bill Act, use seven marginal rates. The federal standard deduction is $16,100 for Single filers, $32,200 for Married Filing Jointly, and $24,150 for Head of Household.

On a $75,000 salary filing Single: taxable income is $58,900 after the $16,100 standard deduction. Federal tax: $1,240 at 10 %, plus $4,560 at 12 %, plus $1,870 at 22 %, totalling $7,670. Your marginal rate is 22 %, but the effective federal rate is 10.2 %. The math is straightforward once you see it broken down bracket by bracket.

FICA: Social Security and Medicare

Every W‑2 employee pays FICA regardless of state. Social Security takes 6.2 % of gross wages up to the 2026 wage base of $184,500. The maximum employee Social Security tax for 2026 is $11,439. Medicare takes 1.45 % of all wages with no cap. Earners above $200,000 (Single) or $250,000 (Married Filing Jointly) pay an additional 0.9 % Medicare surtax.

On a $75,000 salary: Social Security costs $4,650 per year, Medicare costs $1,088. Total FICA: $5,738, or about $221 per bi‑weekly paycheck. Your employer matches every dollar of that; you just never see their half on your pay stub.

FICA does not vary by state. Whether you work in Pennsylvania or New Jersey, the FICA line on your pay stub is identical. The only difference between the two states shows up in the state and local tax lines — Pennsylvania’s flat 3.07 % plus local EIT versus New Jersey’s progressive brackets.

FAQ

What percent of your paycheck goes to taxes in Pennsylvania?

Pennsylvania state income tax is a flat 3.07 % on all earned income. On top of that, most municipalities charge a local EIT of 1 % to 3.60 % (Philadelphia charges 3.74 %). Federal income tax adds 10 % to 37 % depending on your bracket, and FICA takes 7.65 %. A Single filer earning $75,000 outside Philadelphia loses roughly 21 % to 22 % of gross pay to all taxes combined, or about 25 % if working in Pittsburgh or Philadelphia.

How much is $75,000 a year after taxes in Pennsylvania?

Filing Single with no pre‑tax deductions and no local EIT, a $75,000 salary yields roughly $59,290 in annual take‑home pay: about $7,670 in federal tax, $2,303 in PA state tax, and $5,738 in FICA. That works out to approximately $2,280 per bi‑weekly paycheck. Add a 1 % local EIT ($750/year) and take‑home drops to about $58,540, or $2,252 per bi‑weekly paycheck.

How much is $50,000 a year after taxes in Pennsylvania?

On $50,000 filing Single with no local EIT: federal tax is roughly $3,820, PA state tax is $1,535 ($50,000 times 3.07 %), and FICA totals $3,825. Annual take‑home: approximately $40,820. Bi‑weekly: about $1,570. Add a 1 % local EIT ($500) and bi‑weekly drops to roughly $1,551.

How much is $100,000 a year after taxes in Pennsylvania?

On $100,000 filing Single with no local EIT: federal tax is roughly $13,170, PA state tax is $3,070, and FICA totals $7,650. Annual take‑home: approximately $76,110. Bi‑weekly: about $2,927. With Philadelphia’s 3.74 % wage tax, subtract another $3,740 per year, bringing take‑home to $72,370 and bi‑weekly to roughly $2,784.

Does Pennsylvania have local income tax?

Yes. Pennsylvania has one of the most extensive local income tax systems in the country. Nearly every municipality and school district levies a local Earned Income Tax. Rates vary by jurisdiction: Philadelphia charges 3.74 % for residents, Reading charges 3.60 %, Scranton charges 3.40 %, Pittsburgh charges 3.00 %, and most smaller municipalities charge between 1 % and 2 %. The EIT is split between your municipality and school district. Use the DCED lookup tool to find your exact rate.

Is overtime taxed at a higher rate in Pennsylvania?

No. Overtime is taxed at the same 3.07 % state rate and the same federal marginal rates as regular income. Payroll systems may withhold more per overtime check because they project the higher pay across the full year, temporarily increasing federal withholding. The actual tax owed recalculates based on your real annual income when you file.

How does Pennsylvania compare to neighbouring states?

Pennsylvania’s flat 3.07 % looks low, but the lack of any state standard deduction or exemption means every dollar gets taxed. Ohio’s flat 2.75 % only kicks in above $26,050. New Jersey starts at 1.4 % on the first $20,000. On $75,000, PA state tax ($2,303) sits between Ohio ($1,346) and New Jersey ($2,596). Add local EIT and the gap widens: a Pittsburgh resident at 3.00 % local pays $5,303 total state plus local, which exceeds most neighbouring states’ standalone state taxes. For the full comparison, try the New Jersey paycheck calculator, the New York paycheck calculator, or the Ohio paycheck calculator.

Sources

Figures in this article are based on:

• Pennsylvania Department of Revenue — flat 3.07 % personal income tax, unchanged for 2026
• Pennsylvania DCED — local Earned Income Tax rates by municipality (Act 32)
• IRS Revenue Procedure 2025‑32 — 2026 federal tax brackets and standard deductions
• Social Security Administration — 2026 wage base ($184,500) and FICA rates
• City of Philadelphia — wage tax rates effective July 1 2025 (3.74 % resident, 3.43 % non‑resident)
• PA Department of Revenue PIT Guide — confirmation that PA has no standard deduction or personal exemption
• Tax Foundation — State Income Tax Rates and Brackets, 2026 — multi‑state comparison data
• SmartAsset — Pennsylvania Income Tax Calculator — local EIT rates for largest cities
• City of Reading 2026 Tax Rates — Reading EIT 3.60 %

Tax rates change. This article reflects data available as of March 2026. For the full 50‑state breakdown, see the paycheck calculator main hub. For annual‑salary planning, use our salary calculator.

This tool provides estimates only. Tax rules vary and your employer’s payroll system may produce slightly different results. Consult a tax professional for your specific situation. Use this PA Paycheck Calculator whenever your salary or filing status changes.

Jordan Wells

Jordan spent four years in payroll processing before joining Kalkfy as a financial research editor. He is not a CPA or tax attorney; this content is educational, not financial advice.