What is the Pennsylvania income tax rate for 2026?

A flat 3.07% on taxable compensation. Pennsylvania has no brackets, no standard deduction and no personal exemption, so the rate applies from the first dollar you earn.

Does this calculator include Pennsylvania local income tax?

No, and that is a deliberate omission rather than an oversight. Over 500 Pennsylvania jurisdictions levy their own Earned Income Tax between roughly 1% and 3.87%, set by where you live and where you work. There is no single statewide rate to apply. Expect to add about 1% of gross in most of the state, and 3.75% if you live in Philadelphia.

What is deducted from a Pennsylvania paycheck?

Federal income tax, Social Security, Medicare, the flat 3.07% state tax, and employee unemployment compensation at 0.07% of all wages. Your municipality's Earned Income Tax and, in many places, a Local Services Tax of up to $52 a year come on top.

Does Pennsylvania tax 401(k) contributions?

Yes. This is the most common Pennsylvania surprise. Unlike federal tax, Pennsylvania does not let you defer state tax on 401(k) contributions — they are taxed in the year you earn them. The compensation is that qualified withdrawals after 59½ are not taxed by Pennsylvania at all.

Does Pennsylvania tax pensions or Social Security?

No. Pennsylvania does not tax Social Security, and it does not tax qualified pension or retirement plan distributions taken after 59½. It is one of the more generous states for retirees on income tax, though local property taxes can be substantial.

I live in Pennsylvania but work in another state — who taxes me?

Pennsylvania has reciprocal agreements with New Jersey, Ohio, Indiana, Maryland, Virginia and West Virginia. Wages earned in any of those are taxed only by Pennsylvania. New York has no such agreement, so a Pennsylvania resident working in New York files there and claims a credit at home.

Is my data sent anywhere?

No. The calculation runs entirely in your browser. There is no account, and the salary you type is never sent to a server or stored. It never leaves your device.

United States · Pennsylvania · Tax year 2026

Pennsylvania Paycheck & Income Tax Calculator

Pennsylvania taxes every dollar at 3.07% with no deductions at all. Type your salary to see what that leaves — and what your municipality will take on top.

Take-home per paycheck · 2026

$2,278.37

Paid every two weeks · $59,238 a year

You keep 79% of your gross pay. Pennsylvania itself takes 3.1%.

This is your 2026 tax for the whole year, spread evenly across 26 paychecks and rounded to the cent. A real payslip can differ slightly from one paycheck to the next: employers withhold using tables that approximate the year's tax rather than match it, and stop taking a contribution once your wages for the year pass its cap.

Effective rate 21.0% of your gross

Marginal rate 25.1% on your next dollar

Total tax $606.25 a paycheck · $15,763 a year

Federal income tax$295.00
PA income tax$88.56
FICA$220.67
PA payroll$2.02
Take-home$2,278.37

Itemized deductions from gross pay, per paycheck and per year
Deduction	Rate	Per paycheckPer year	Per year
Gross payAnnual salary ÷ 26		$2,884.62$75,000.00	$75,000.00
Federal
Federal income taxAfter the $16,100 standard deduction		−$295.00−$7,670.00	−$7,670.00
Social SecurityCapped at $184,500 of wages	6.20%	−$178.84−$4,650.00	−$4,650.00
Medicare	1.45%	−$41.83−$1,087.50	−$1,087.50
Pennsylvania
PA income tax		−$88.56−$2,302.50	−$2,302.50
Unemployment Compensation (UC)	0.070%	−$2.02−$52.50	−$52.50
Total tax		−$606.25−$15,762.50	−$15,762.50
Net pay		$2,278.37$59,237.50	$59,237.50

Per paycheck, each line is its annual amount ÷ 26, rounded to the nearest cent — except Social Security, rounded the other way so the column adds up to the total.

What this means

On a salary of $75,000 you keep $59,238 — about 79% of what you earn. The remaining $15,763 is split across five separate deductions.

The largest is federal income tax at $7,670, roughly 49% of your total tax bill. Pennsylvania's own income tax takes $2,303, which is less than the $5,738 taken for Social Security and Medicare. The state payroll contribution adds $53 — small, but taken from every paycheck.

Your next dollar of income would be taxed at 25.1% once federal and state are combined, while the rate you actually pay across the whole salary is 21.0%. That gap is why a raise never feels as large as the headline rate suggests — and why the effective rate, not the bracket you land in, is the number worth comparing between states.

Show the working, band by band

Every figure above is computed from published 2026 rates for the whole year, then divided across 26 paychecks.

Federal — on $58,900 taxable income

Band	Rate	Taxed here	Tax
$0 – $12,400	10%	$12,400	$1,240.00
$12,400 – $50,400	12%	$38,000	$4,560.00
$50,400 – $105,700	22%	$8,500	$1,870.00

Pennsylvania — on $75,000 taxable income

Band	Rate	Taxed here	Tax
$0 and above	3.07%	$75,000	$2,302.50

Pennsylvania tax at a glance, 2026

State income tax: 3.07% flat; No deduction, no exemption
Local income tax: 1% – 3.87%; Varies by municipality — not included below
Employee UC: 0.07%; On all wages, no cap
Retirement income: Untaxed; But 401(k) contributions are taxed

How Pennsylvania income tax works

Pennsylvania applies a flat 3.07% to taxable compensation, and it is unusual in allowing essentially nothing to be subtracted first. There is no standard deduction and no personal exemption. Where Illinois lets a single filer shelter $2,925 and New Jersey $1,000, Pennsylvania taxes from the first dollar.

That makes the state calculation trivially simple but slightly harsher at low incomes than the headline rate suggests, because there is no allowance to blunt it. At $30,000 the effective state rate is the same 3.07% as at $300,000.

One deduction that does appear on every Pennsylvania payslip is employee unemployment compensation, at 0.07% of wages with no cap. It is small, but unlike most states — where unemployment insurance is entirely employer-funded — Pennsylvania employees genuinely contribute.

The local tax this page cannot know

Read this before you trust any Pennsylvania take-home figure, including the one above.

Over 500 Pennsylvania jurisdictions levy their own Earned Income Tax, generally between 1% and 3.87%. It is assessed on where you live and where you work, collected by regional agencies rather than the state, and there is no single statewide rate that could be applied here honestly.

For most of the state the resident rate is around 1%. Philadelphia is the outlier, with a resident wage tax of roughly 3.75% — more than the state income tax itself. A Philadelphia resident on $75,000 pays a little over $2,800 in city wage tax on top of everything the calculator above shows.

Many municipalities also levy a Local Services Tax of up to $52 a year on people who work there.

The figures on this page are therefore complete for federal and state, and deliberately silent on local. Add roughly 1% of gross for most of Pennsylvania, or 3.75% in Philadelphia, to get your real position. A figure that leaves local EIT out without saying so understates the tax on a Philadelphia salary by thousands.

Take-home pay at every salary in Pennsylvania

After federal tax, the flat 3.07% state tax, FICA and employee UC. Local Earned Income Tax is not included, for the reason above.

Annual take-home pay by gross salary · 2026
Gross salary	Total tax	Take-home (single)	Effective rate	Take-home (married)
$30,000	−$4,657	$25,343	15.5%	$26,763
$40,000	−$6,936	$33,064	17.3%	$34,904
$50,000	−$9,215	$40,785	18.4%	$42,825
$60,000	−$11,494	$48,506	19.2%	$50,686
$75,000	−$15,763	$59,238	21.0%	$62,268
$85,000	−$19,042	$65,959	22.4%	$69,989
$100,000	−$23,960	$76,040	24.0%	$81,570
$125,000	−$32,222	$92,779	25.8%	$100,873
$150,000	−$40,919	$109,081	27.3%	$118,475
$200,000	−$57,353	$142,647	28.7%	$153,041
$250,000	−$74,668	$175,332	29.9%	$189,618

What lands in your account each payday

On $75,000 a year in Pennsylvania, filing single, split across the pay schedules employers actually use.

Net pay on $75,000 gross · single filer
Pay schedule	Gross	Net
Every week	$1,442	$1,139
Every two weeks	$2,885	$2,278
Twice a month	$3,125	$2,468
Every month	$6,250	$4,936

The 401(k) trap, and the retirement bonus

Pennsylvania treats retirement savings almost exactly opposite to the federal system, and it catches out nearly everyone who moves here.

Going in: Pennsylvania does not recognize 401(k) deferrals. Money you contribute is excluded from federal taxable income but not from Pennsylvania taxable compensation, so you pay the 3.07% on it in the year you earn it. A worker contributing $20,000 to a 401(k) pays roughly $614 more in Pennsylvania tax than the federal treatment would imply.

Coming out: the reverse applies. Qualified distributions taken after 59½ are not taxed by Pennsylvania at all, and neither are Social Security benefits or most pension income.

The net effect is that Pennsylvania front-loads the tax on retirement savings and then leaves the withdrawals alone. For a long career followed by a long retirement in-state, that is usually favorable. For someone who contributes here and then retires elsewhere, it is the worst of both arrangements — taxed on the way in by Pennsylvania and on the way out by the new state.

The calculator above models wage income and does not adjust for retirement contributions, so it does not capture this.

If you work across a state line

Pennsylvania has reciprocal agreements with New Jersey, Ohio, Indiana, Maryland, Virginia and West Virginia — six, more than almost any other state. Wages earned in any of them are taxed only by Pennsylvania, and you file a single state return.

New York is the notable exception. There is no agreement, so a Pennsylvania resident working in New York files a non-resident New York return and claims a credit against Pennsylvania tax. Since New York’s rates are higher, the credit is capped at the Pennsylvania liability and the difference is a genuine cost.

Note also that reciprocity covers state income tax only. It does not exempt you from Philadelphia’s wage tax if you work in the city, nor from local taxes in the other state.

Dates that matter for the 2026 tax year

Pennsylvania returns (Form PA-40) are due April 15, 2027, matching the federal deadline. Estimated payments, if required, fall quarterly in April, June, September and the following January. Local Earned Income Tax returns are filed separately with your regional collector and carry the same April deadline. The rate on this page applies to income earned between January 1 and December 31, 2026.

Questions people ask

What is the Pennsylvania income tax rate for 2026?: A flat 3.07% on taxable compensation. Pennsylvania has no brackets, no standard deduction and no personal exemption, so the rate applies from the first dollar you earn.
Does this calculator include Pennsylvania local income tax?: No, and that is a deliberate omission rather than an oversight. Over 500 Pennsylvania jurisdictions levy their own Earned Income Tax between roughly 1% and 3.87%, set by where you live and where you work. There is no single statewide rate to apply. Expect to add about 1% of gross in most of the state, and 3.75% if you live in Philadelphia.
What is deducted from a Pennsylvania paycheck?: Federal income tax, Social Security, Medicare, the flat 3.07% state tax, and employee unemployment compensation at 0.07% of all wages. Your municipality's Earned Income Tax and, in many places, a Local Services Tax of up to $52 a year come on top.
Does Pennsylvania tax 401(k) contributions?: Yes. This is the most common Pennsylvania surprise. Unlike federal tax, Pennsylvania does not let you defer state tax on 401(k) contributions — they are taxed in the year you earn them. The compensation is that qualified withdrawals after 59½ are not taxed by Pennsylvania at all.
Does Pennsylvania tax pensions or Social Security?: No. Pennsylvania does not tax Social Security, and it does not tax qualified pension or retirement plan distributions taken after 59½. It is one of the more generous states for retirees on income tax, though local property taxes can be substantial.
I live in Pennsylvania but work in another state — who taxes me?: Pennsylvania has reciprocal agreements with New Jersey, Ohio, Indiana, Maryland, Virginia and West Virginia. Wages earned in any of those are taxed only by Pennsylvania. New York has no such agreement, so a Pennsylvania resident working in New York files there and claims a credit at home.
Is my data sent anywhere?: No. The calculation runs entirely in your browser. There is no account, and the salary you type is never sent to a server or stored. It never leaves your device.

Where these figures come from

Every Pennsylvania number on this page was read from the documents below — the state's own, not a summary of them. Nothing here is estimated. If a figure looks wrong, the source is one click away, and we would rather you checked.

Personal Income Taxpa.gov
Pennsylvania Department of Revenue
The flat rate charged on gross compensation, with no standard deduction and no personal exemption.
Unemployment Compensationpa.gov
Pennsylvania Department of Labor and Industry
The employee unemployment compensation withholding, which applies to every dollar of wages with no cap.