Pennsylvania Paycheck Calculator
See exactly what you keep after taxes in Pennsylvania — enter your pay for an instant, itemized take-home breakdown.
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Your take-home pay
$0 per year
Effective tax rate 0%
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How Pennsylvania take-home pay is calculated
Pennsylvania levies one of the lowest flat income tax rates in the nation, taxing all wage income at just 3.07% regardless of how much you earn. Because the state offers no standard deduction or personal exemption, the flat rate applies to nearly your full compensation, though retirement income like Social Security and pensions is exempt. Take-home pay is further reduced for most workers by local earned income taxes, which nearly every municipality and school district imposes on top of the state rate.
Federal income tax
Progressive 10%–37%, applied after the federal standard deduction ($15,000 single / $30,000 married for 2025).
Social Security
6.2% of wages up to the $176,100 wage base.
Medicare
1.45% of all wages, plus 0.9% above $200,000.
Pennsylvania state income tax
Progressive Flat 3.07%.
401(k) — optional
Pre-tax contributions lower your taxable income for both federal and state tax.
- Pennsylvania has a flat 3.07% personal income tax rate, unchanged since 2004
- The state provides no standard deduction or personal exemption, so the flat rate applies to wage income directly
- Nearly all Pennsylvania residents owe a local Earned Income Tax (EIT) on top of the state rate, and Philadelphia imposes a separate wage tax
Pennsylvania paycheck — frequently asked questions
How much is taken out of a paycheck in Pennsylvania? +
In Pennsylvania, federal income tax, Social Security (6.2%), Medicare (1.45%) and Pennsylvania state income tax (Flat 3.07%) are withheld. Total withholding typically lands around 25%–35% of gross pay, depending on income and filing status.
What is take-home pay? +
Take-home pay (net pay) is the amount that actually reaches your bank account after all taxes and deductions are subtracted from your gross salary. It is always lower than your headline salary.
Does Pennsylvania have a state income tax? +
Yes. Pennsylvania has a progressive state income tax (Flat 3.07%), charged on top of federal income tax.
Is this Pennsylvania paycheck calculator accurate? +
It gives a close estimate using 2025 federal and Pennsylvania tax brackets, the standard deduction and FICA. Your actual paycheck can vary based on local taxes, additional withholdings, benefits and your W-4. It is an estimate, not tax advice.
Disclaimer: This calculator provides estimates for educational purposes only using 2025 tax figures and does not constitute tax, legal, or financial advice. Actual withholding depends on your W-4, local taxes, benefits, and other factors. Verify with a qualified professional or the relevant tax authority.