Pennsylvania After Tax Income Calculator 2026
Calculate Your PA Take-Home Pay with State & Local Taxes
Based on PA Dept. of Revenue & IRS 2026 rates
Enter Your Income Information
Your 2026 Pennsylvania Paycheck Breakdown
Paycheck Distribution
How Pennsylvania Income Tax Works
✅ Simple Flat Tax System
Pennsylvania has one of the simplest state tax systems in the nation — a flat 3.07% tax rate on all earned income. No brackets, no phase-outs. However, most municipalities levy an additional Earned Income Tax (EIT) ranging from 0.5% to 3.9%. Philadelphia residents pay the highest local rate.
- Calculate Gross Income: Start with your total annual salary before any deductions.
- Subtract Pre-Tax Deductions: 401(k), health insurance contributions reduce taxable income.
- Apply Federal Tax Brackets: Calculate federal income tax using 2026 IRS tax brackets (10%-37%).
- Apply PA Flat Tax: Pennsylvania charges a simple flat 3.07% on all taxable compensation.
- Apply Local EIT: Most PA municipalities charge 0.5%-3.9% local earned income tax.
- Calculate FICA: Social Security (6.2% up to $176,100) + Medicare (1.45%, plus 0.9% over $200K).
- Calculate Take-Home: Gross minus all taxes equals your Pennsylvania net pay.
Pennsylvania Tax Calculation Formulas
Take-Home Pay Formula
PA State Tax (Flat Rate)
Local Earned Income Tax
Effective Tax Rate
Pennsylvania Local Tax Rates by City
| City/Municipality | Resident Rate | Non-Resident Rate |
|---|---|---|
| Philadelphia | 3.75% | 3.44% |
| Pittsburgh | 3.0% | 1.0% |
| Scranton | 3.4% | 1.0% |
| Reading | 3.6% | 1.0% |
| Harrisburg | 2.0% | 1.0% |
| Allentown | 1.95% | 1.0% |
| Bethlehem | 1.0% | 1.0% |
| Lancaster | 1.1% | 1.0% |
| Most Suburban Areas | 1.0% | 0.5%-1.0% |
Local EIT is split between municipality and school district. Use the PA Local Tax Lookup to find your exact rate.
2026 Federal Tax Brackets
| Rate | Single | Married Filing Jointly |
|---|---|---|
| 10% | $0 - $11,925 | $0 - $23,850 |
| 12% | $11,925 - $48,475 | $23,850 - $96,950 |
| 22% | $48,475 - $103,350 | $96,950 - $206,700 |
| 24% | $103,350 - $197,300 | $206,700 - $394,600 |
| 32% | $197,300 - $250,525 | $394,600 - $501,050 |
| 35% | $250,525 - $626,350 | $501,050 - $751,600 |
| 37% | Over $626,350 | Over $751,600 |
PA Tax Advantages & Considerations
✅ Advantages
- Simple flat 3.07% state tax rate
- No tax on Social Security or retirement income
- No inheritance tax on surviving spouses
- 401(k)/IRA contributions reduce PA tax
- Lower than NY, NJ, CA state rates
⚠️ Considerations
- Local EIT adds 0.5%-3.9% on top of state
- Philadelphia wage tax is among highest in US
- Property taxes vary widely by county
- Inheritance tax: 4.5%-15% for non-spouses
- 6% sales tax (+ 2% in Philadelphia/Allegheny)
Official Resources
Frequently Asked Questions
Pennsylvania has a flat 3.07% state income tax rate on all earned income. Unlike most states, there are no brackets — everyone pays the same rate regardless of income level. This makes PA one of the simplest states for income tax calculation.
Most Pennsylvania municipalities charge a Local Earned Income Tax (EIT) on wages, typically split between the municipality and school district. Rates range from 0.5% to 3.9%. Use the PA Munstats website to find your exact rate based on where you live and work.
Philadelphia residents pay 3.75% wage tax (2026). Non-residents working in Philadelphia pay 3.44%. Combined with the 3.07% PA state tax, Philadelphia residents effectively pay 6.82% in state/local income taxes before federal taxes and FICA.
No! Pennsylvania does not tax Social Security, pension income, 401(k) distributions, IRA withdrawals, or other retirement income. This makes PA attractive for retirees, especially compared to neighboring New Jersey and New York which do tax some retirement income.
Yes! Unlike some states, Pennsylvania allows pre-tax 401(k), 403(b), and traditional IRA contributions to reduce your state taxable income. This means your PA tax is calculated on income after retirement contributions, similar to federal tax treatment.
PA's 3.07% flat rate is lower than NJ (up to 10.75%), NY (up to 10.9%), and MD (up to 5.75%). However, local taxes (especially Philadelphia) can make the total higher. At $100K income in Philadelphia: PA total ≈ 6.82% vs NJ ≈ 5.5% vs NY ≈ 6.0% (outside NYC).
Pennsylvania residents file federal Form 1040, then PA-40 (state return), and typically a local EIT return with your tax collector (Berkheimer, Keystone, Jordan Tax, etc.). Philadelphia residents file separately with Philadelphia Revenue. Most can e-file at PA Online.
No. Pennsylvania does not have a standard deduction like federal taxes. The 3.07% is calculated on your gross compensation minus allowable deductions (retirement contributions). PA also doesn't allow itemized deductions for mortgage interest, charitable contributions, etc.
Pennsylvania has a 6% state sales tax. Philadelphia and Allegheny County add 2% more for a total of 8%. Groceries, clothing, and prescription drugs are exempt from PA sales tax. This is lower than neighboring NY (8%) and NJ (6.625%).
PA state taxes are due April 15th, same as federal. Extensions to file are available until October 15th, but this doesn't extend payment deadline. Local EIT returns may have different deadlines — check with your collector. Estimated taxes are due quarterly if you owe $8,000+ annually.
Created by OmniCalculator.space — Your trusted source for tax calculators.
Last Updated: January 2025 | Projected 2026 Tax Rates