Pennsylvania Paycheck Calculator 2026

What comes out of a Pennsylvania paycheck

Three taxes leave a Pennsylvania paycheck, and the calculator keeps them apart because they behave differently. Federal income tax withholding follows your W-4 through the IRS percentage method. FICA is flat: 6.2% for Social Security up to $184,500 and 1.45% for Medicare with no cap. And Pennsylvania's own income tax, a flat 3.07%, applied on an annualised basis the way the state's withholding tables do. On $85,000 paid every two weeks a single filer sees $379.62 of federal withholding, $250.09 of FICA and $100.37 of Pennsylvania tax come out of $3,269.23, and keeps $2,539.15 — position 17 of 51 states for take-home on that salary.

Pennsylvania is one of the states where a local government can take a further cut of wages: 2627 municipalities, each with its own earned income tax rate, plus the school district share. That line is missing from most paycheck calculators and it is the reason their Pennsylvania figure is too high for many workers. The section on local taxes below lists what is covered here and how each one is charged; where the calculator knows your city, it is included in the result.

Everything else that reduces the deposit is a deduction rather than a tax: your 401(k), health premiums, an HSA or FSA, and after-tax items. A traditional 401(k) contribution lowers federal and Pennsylvania taxable wages but not FICA; a Section 125 health or HSA contribution lowers all of them. The advanced panel takes each separately so the saving is computed on the right base.

Pennsylvania income tax 2026: rates, brackets and deduction

Pennsylvania charges a single rate of 3.07% on taxable wages. A flat rate means your state marginal and effective rates are almost the same, which makes Pennsylvania simple to withhold for: the only things that change the state line are the deduction and exemptions.

Verification. Flat 3.07% confirmed. The department states expressly that Pennsylvania "does not provide for a standard deduction or personal exemption", which is exactly how it is loaded. Pennsylvania does have Tax Forgiveness, a low-income reduction that can wipe out the bill entirely and that the engine does not model.

Pennsylvania municipalities add a local Earned Income Tax on top of the state rate.

Local income taxes in Pennsylvania

Pennsylvania's local income tax is charged by municipalities, each with its own earned income tax rate, plus the school district share. The calculator carries 2627 of them, loaded from the state's official register, and applies the right base: your gross wages. Residents pay the sum of the municipal and school district rates; non-residents pay only the municipal non-resident rate, which can be higher or lower. Your PSD code on the Residency Certification Form is what your employer uses.

Philadelphia. Philadelphia charges its Wage Tax on every dollar you earn — there is no deduction, no exemption and no threshold, so it starts at the first dollar. Residents pay 3.74% wherever they work; non-residents pay 3.43% on the work they do inside the city. Council approved a five-year reduction in June 2025 that takes the rates down to 3.70% and 3.39%. Pennsylvania’s own flat 3.07% sits on top, which makes a Philadelphia salary one of the more heavily taxed in the country at state and local level combined.

Every jurisdiction's rate is listed with the document it came from on the sources page.

Your Pennsylvania withholding form

Flat rate with no allowances; the local Residency Certification Form sets your municipal and school district EIT. Your federal W-4 filing status and adjustments carry over to the state computation.

If your Pennsylvania paycheck differs from the calculator's state line, the state form on file is the first place to look. The second is the annualisation: state withholding tables assume you earn the same every period, so a one-off bonus or an overtime-heavy week is withheld as if it happened every payday and comes back at filing. The W-4 fixer handles the federal side; the state side generally follows once the federal is right.

Paid hourly in Pennsylvania? Overtime and minimum wage

Hourly workers in Pennsylvania use the same tax rules with a gross built from rate × hours. Federal law requires time-and-a-half after 40 hours in a week; Pennsylvania follows the federal weekly rule without a daily overtime requirement. From 2026 the premium part of overtime pay is deductible when you file — up to $12,500 for a single filer — although your employer still withholds on it in full. The Pennsylvania hourly paycheck calculator models overtime, multiple rates and tips, and shows what the new deduction does to your refund.

The state minimum wage, tipped minimum and any city minimums are on the hourly page, checked against the Pennsylvania labor department, so that a full-time minimum-wage paycheck can be computed to the cent rather than guessed.

Bonuses and supplemental pay in Pennsylvania

A bonus, commission or severance paid separately is withheld federally at a flat 22% (37% above a million dollars in the year). Pennsylvania has its own treatment of supplemental wages — some states publish a flat supplemental rate, others require the aggregate method — and the Pennsylvania bonus tax calculator applies it. The important thing to understand is that 22% is withholding, not tax: your actual tax on the bonus is your marginal rate, and the difference comes back or is owed when you file.

For a single filer on $85,000 in Pennsylvania, a $5,000 bonus is withheld at $1,100 federally, while the tax actually due on it at the 22% marginal rate is $1,100 — so this bonus under-withholds and reduces the refund.

Pennsylvania vs neighbouring states

On $85,000 paid every two weeks, a single filer keeps $2,539.15 in Pennsylvania. In New York the same paycheck is $2,485.94 ($53.21 less); In New Jersey the same paycheck is $2,515.50 ($23.65 less); In Delaware the same paycheck is $2,475.33 ($63.82 less); In Maryland the same paycheck is $2,498.31 ($40.84 less); In West Virginia the same paycheck is $2,517.90 ($21.25 less); In Ohio the same paycheck is $2,581.08 ($41.93 more). Ranked, that is Ohio > Pennsylvania > West Virginia > New Jersey > Maryland > New York > Delaware.

Living in one state and working in another brings reciprocity into play: a handful of state pairs let you pay tax only where you live, and the rest make you file in both with a credit for tax paid to the work state. None of the neighbouring states is tax-free, so the choice of home state is a choice between schedules, not between paying and not paying. The state hub has the full comparison for any salary and filing status.

Example Pennsylvania paychecks in 2026

All computed by the calculator's engine for a single filer with a clean W-4, paid every two weeks, no pre-tax deductions, 2026 rates:

$35,000 a year → $1,124.15 take-home per paycheck (federal withholding $77.69, Pennsylvania tax $41.33, 16.5% of gross to all taxes).

$50,000 a year → $1,570.01 take-home per paycheck (federal withholding $146.92, Pennsylvania tax $59.04, 18.4% of gross to all taxes).

$65,000 a year → $2,015.85 take-home per paycheck (federal withholding $216.15, Pennsylvania tax $76.75, 19.4% of gross to all taxes).

$85,000 a year → $2,539.15 take-home per paycheck (federal withholding $379.62, Pennsylvania tax $100.37, 22.3% of gross to all taxes).

$120,000 a year → $3,444.85 take-home per paycheck (federal withholding $675.77, Pennsylvania tax $141.69, 25.4% of gross to all taxes).

$200,000 a year → $5,454.85 take-home per paycheck (federal withholding $1,412.85, Pennsylvania tax $236.15, 28.6% of gross to all taxes).

Two things to read in the series. First, the effective rate rises with salary because both federal and Pennsylvania brackets are progressive — the state part is flat, so the climb is all federal. Second, the FICA line falls away above $184,500: on the $200,000 example Social Security stops partway through the year and the later paychecks are larger than the first ones. The salary after tax pages give the full table for any amount, and each amount has a Pennsylvania page.

The math behind a Pennsylvania paycheck

Take the $85,000 example, paid every two weeks, so $3,269.23 gross per paycheck. Federal. The percentage method annualises the paycheck back to $85,000, subtracts the $8,600 step-1 adjustment for a single filer to get $76,400, and looks that up in the standard withholding table: the row that starts at $57,900 carries a base of $5,800 plus 22% of the excess, giving $9,870 for the year and $379.62 per paycheck. FICA. 6.2% of $3,269.23 is $202.69 and 1.45% is $47.40.

Pennsylvania. On an annualised $85,000, with no state standard deduction, $85,000 is taxable. At 3.07% that is $2,610 for the year, or $100.37 per paycheck — an effective state rate of 3.07% against a marginal rate of 3.07%.

Put together: $3,269.23 − $379.62 − $250.09 − $100.37 = $2,539.15. Every intermediate figure is visible in the «Show me the math» diagram under the calculator for whatever you enter, and the state deduction, exemption and brackets used are the ones listed with their source at the top of the page.

A year of Pennsylvania paychecks: the ones that change

Most people's paychecks are identical all year, and most calculators assume they are. Two things break that. The first is the Social Security wage base: at $184,500 of wages the 6.2% stops, so anyone earning more sees a larger paycheck from that point on. On $200,000 in Pennsylvania, paid every two weeks, that happens around paycheck 24 of 26: the take-home goes from $5,454.85 to about $5,931.77. Enter your year-to-date gross in the advanced panel and the calculator places the change on the right paycheck.

The second is the calendar. Paid every two weeks you get 26 paychecks, and twice a year a month holds three of them; paid twice a month you get 24 and every month holds exactly two. The gross for the year is the same either way, but the biweekly paycheck is about 7.7% smaller and the two «extra» paychecks are the budgeting cushion people forget. Pennsylvania's tax does not care which schedule you are on: it is annualised the same way. The biweekly pay calculator shows the three-paycheck months of 2026 for your first pay date.

A bonus, a raise mid-year or a change of hours all move the line too. Because withholding annualises each paycheck on its own, a single large paycheck is withheld as if it repeated all year and the excess comes back at filing; the «withholding vs what you owe» box under the calculator shows how far the year is drifting from zero.

Filing status and dependents in Pennsylvania

The filing status on your W-4 changes the federal deduction and the brackets, and Pennsylvania has its own treatment of joint returns. On $65,000 every two weeks in Pennsylvania, a single filer keeps $2,015.85, a head of household $2,057.08 and a married person filing jointly $2,099.69 — the joint figure assumes this is the household's only income, which is exactly the case the W-4's step 2 exists to correct when it is not.

Dependents work through step 3 of the W-4: $2,200 per qualifying child (the 2026 child tax credit) entered as an annual amount, which the percentage method subtracts from the tentative withholding before dividing by pay periods. Two children on that $65,000 salary — $4,400 on step 3 — lift the biweekly paycheck from $2,015.85 to $2,185.08, $169.23 more each time. Pennsylvania's state form handles its own exemptions separately.

The mistake to avoid is claiming the same child on two W-4s (yours and a spouse's): each employer subtracts the full credit and the household under-withholds by the credit amount. The W-4 fixer splits it correctly and gives each spouse the exact lines.

What a raise really leaves in Pennsylvania

A $5,000 raise from $65,000 to $70,000 adds $192.31 of gross to a biweekly paycheck in Pennsylvania and $135.16 of take-home: 70.3% of the raise survives. The rest is the marginal rate — federal at 22%, FICA at 7.65% and Pennsylvania at 3.07% — applied only to the new dollars. Nothing about the raise changes the tax on the first $65,000: the idea that a raise can «push you into a higher bracket» and leave you worse off is arithmetic that does not exist in a progressive system.

The pay raise calculator does this for any two figures, in Pennsylvania or anywhere, and says whether the raise beats inflation.

How Pennsylvania's rate has changed

We have not yet loaded a rate history for Pennsylvania. Twenty-six states have cut income tax rates since 2021 and seven have moved from brackets to a single rate, so the direction of travel nationally is downward.

The national trend since 2021: 23 states have cut their top rate, and only 5 jurisdictions — Maryland, Massachusetts, New York, Washington, the District of Columbia — have raised one (checked 2026-09-01).

What the paycheck buys in Pennsylvania

A paycheck is only worth what it buys, and the Bureau of Economic Analysis publishes a price index for every state — the Regional Price Parities, 2024 edition, with 100 as the national average. Pennsylvania sits at 97.6 overall: goods at 99.4, housing at 85.1, utilities at 109.3. Housing is the component that decides a move, and in Pennsylvania it is 15% below the national average.

Deflating the $85,000 biweekly take-home of $2,539.15 by Pennsylvania's price level gives $2,601.59 in national-average dollars. Doing the same for the neighbours: New York $2,303.93, New Jersey $2,312.04, Delaware $2,480.29, Maryland $2,379.34, West Virginia $2,813.30, Ohio $2,781.34. So at least one neighbour with a smaller paycheck buys more once prices are counted — the paycheck ranking and the purchasing-power ranking are not the same list.

Source: US Bureau of Economic Analysis — Regional Price Parities by State and Metro Area, 2024 (released 19 February 2026) (checked 2026-09-08). The index is what the BEA published; it is not extrapolated to 2026.

An hourly paycheck in Pennsylvania, worked through

Take $20 an hour, 40 hours a week, paid every two weeks: $1,600.00 gross. Federal withholding is $108.15, FICA $122.40, Pennsylvania tax $49.12, take-home $1,320.33 — 82.5% of gross, a higher share than the salaried examples above because the federal brackets are gentler at this income.

Add five overtime hours at time-and-a-half ($150.00 more gross) and the paycheck becomes $1,750.00 gross and $1,436.25 net: $115.92 of the $150.00 survives, 77.3%. The premium half of that overtime — $50.00 per paycheck, $1,300 a year — is deductible federally from 2026, which the withholding ignores and the hourly calculator counts toward your refund: $1,300 of deduction on these numbers.

Reading a Pennsylvania pay stub

The lines on a Pennsylvania stub map onto the calculator's result one to one. Gross or Earnings is the top figure. FIT or Fed W/H is federal income tax withholding. OASDI, SS or FICA-SS is Social Security; MED, HI or FICA-MED is Medicare. SIT, PA W/H or Pennsylvania tax is the state line, and a further line — often the city or county name, or LOCAL, EIT or OCC — is the local tax. YTD columns show the running totals the wage-base rules work on.

Pre-tax deductions (401(k), medical, dental, HSA) appear above the taxes and reduce the taxable figures; after-tax ones (Roth, garnishments, dues) appear below. If the stub's federal taxable wages differ from gross by more than your pre-tax deductions, something is being treated as taxable that you thought was not — the most common case is a benefit the employer counts as imputed income. The pay stub preview above puts the calculator's figures in the same layout so you can compare line by line, and the what is a pay stub guide decodes the abbreviations.

A worked example: $90,000 in Pennsylvania, paid monthly

Take $90,000 a year in Pennsylvania, paid monthly (12 paychecks), single, standard W-4, no pre-tax deductions. The gross per paycheck is $7,500.00. Federal income tax withholding, from the 2026 Publication 15-T percentage method, takes $914.17. Social Security takes 6.2% of gross, $465.00, and Medicare 1.45%, $108.75. Pennsylvania withholds $230.25 under its flat rate and deductions. The net deposit is $5,781.83, 77.1% of gross; over the year that is $69,382 from $90,000, an effective rate of 22.9% on all taxes together. Every line is reproducible from the documents on the sources page, and the table below lists them in the order they appear on a stub.

Two things on that stub are not obvious from the totals. First, the federal line is withholding, not tax: the tables annualise this paycheck as if all 12 were identical, and the year's actual tax, $10,970, differs from the $10,970 withheld by $0, which becomes a refund in April. Second, Social Security and Medicare are the same fraction of every paycheck of the year, because the salary is under the wage base, and no form can change them; only Section 125 deductions reduce their base. The reading guide walks each line and names what it should equal.

Common mistakes on Pennsylvania paychecks

Leaving the Pennsylvania withholding form blank. Pennsylvania relies on the federal W-4, so a wrong federal form is a wrong state line too.

Forgetting the local tax. With 2627 jurisdictions in Pennsylvania, the right one depends on your municipality and school district — the PSD code on your residency certification. A calculator that skips it overstates the Pennsylvania paycheck.

Reading the bonus withholding as the bonus tax. The flat 22% federal rate on a bonus is withholding; the tax is your marginal rate, and the difference settles in April. Budgeting from the wrong paycheck. Biweekly and semi-monthly paychecks differ by about 7.7% on the same salary. Ignoring the Social Security cap. Above $184,500 the later paychecks are larger, and a budget built on January's paycheck is too tight for December's.

Your first paycheck in Pennsylvania: a checklist

Starting a job in Pennsylvania — or moving there with the same job — is the moment withholding gets set, and the settings tend to stay for years. Four things to do before the first payday. Fill in the federal W-4 properly: filing status, step 2 if there is a second income in the household, step 3 for children, step 4(c) if last year ended with a bill. Pennsylvania uses your federal W-4 for the state line, so getting it right does both jobs. Give your employer your address precisely: in Pennsylvania the local tax depends on it, and the residency certification form with your PSD code is what the payroll system needs. Compare the first stub with this calculator: the pay stub preview above is laid out like a real one.

If you moved during the year, the old state stops and Pennsylvania starts on the move date, and you will file two part-year returns next spring. Pennsylvania taxes the wages earned from the day you became a resident; the previous state taxes the earlier ones. The year-to-date figures on your stub reset for state purposes but not for Social Security, whose wage base counts all your wages in the year regardless of where they were earned.

Working in Pennsylvania for an out-of-state employer

Remote work made this the most common question on state pages. The general rule is that wages are taxed by the state where the work is physically performed, so a Pennsylvania resident working from home for a company in another state pays Pennsylvania tax on those wages and normally nothing to the employer's state. The employer should register to withhold for Pennsylvania; if it does not, the employee ends up paying Pennsylvania through estimated payments or at filing.

The exception is the handful of states with a «convenience of the employer» rule — New York, Delaware, Nebraska, Pennsylvania and a few others — which tax remote workers whose employer is based there unless the remote arrangement is for the employer's convenience. A Pennsylvania resident with a New York employer can therefore be taxed by both, with a credit on the Pennsylvania return for the New York tax. The state page of the employer's state says whether it has such a rule.

Pennsylvania vs Texas, California, New York

The states people most often compare against are the big four, so here is Pennsylvania against Texas, California, New York at three salaries, single filer, every two weeks. At $50,000: Pennsylvania $1,570.01, Texas $1,629.05, California $1,589.07, New York $1,548.17. At $85,000: Pennsylvania $2,539.15, Texas $2,639.52, California $2,498.75, New York $2,485.94. At $150,000: Pennsylvania $4,199.46, Texas $4,376.58, California $4,003.31, New York $4,076.20.

The gaps grow with income wherever a graduated state is involved and stay fixed where both states are flat or tax-free. Pennsylvania's position against Texas and Florida is the size of its own state tax; against California and New York it depends on where Pennsylvania's schedule sits relative to theirs at your income. Each comparison has its own page on the salary after tax silo, for any amount.

What changed in Pennsylvania for 2026

Pennsylvania's 2026 figures were checked against PA Department of Revenue, Personal Income Tax on 2026-09-01 and match. Federal changes apply here as everywhere: the standard deduction is $16,100 single, the Social Security wage base $184,500, and the new overtime and tip deductions reduce federal tax at filing without changing withholding.

Every change to a figure on this page is listed, dated and sourced in the data changelog; anything we got wrong is in corrections.