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Pennsylvania Take-Home Pay Calculator: 3.07% State + Local Tax (2026)

Pennsylvania's 3.07% flat rate is the lowest flat income tax in America — but there are no deductions or exemptions, and most towns add a local earned income tax of 1% or more. Estimate your 2026 take-home pay after federal tax, FICA, and Pennsylvania state tax.

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$

Net annual pay

$76,110

Net monthly pay

$6,343

Net biweekly pay

$2,927

Tax breakdown

CategoryAmount% of income
Federal Income Tax$13,17013.2%
Social Security$6,2006.2%
Medicare$1,4501.5%
State Income Tax$3,0703.1%
Total tax$23,89023.9%

Effective tax rate: 23.9%. Marginal federal rate: 22.0%. Marginal state rate: 3.1% in Pennsylvania.

Where your money goes

Estimates for informational purposes only — not tax advice. Excludes pre-tax contributions, credits, and local income taxes.

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See how Pennsylvania's take-home pay ranks against another state.

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Example: take-home pay on common salaries in Pennsylvania

Single filer, 2026 standard deduction, no pre-tax contributions or credits. Computed by the same engine as the calculator above.

Gross salary Federal tax FICA Pennsylvania tax Net annual pay Effective rate
$75,000 $7,670 $5,738 $2,303 $59,290 20.9%
$100,000 $13,170 $7,650 $3,070 $76,110 23.9%

How Pennsylvania taxes your income in 2026

Pennsylvania taxes eight classes of income at a flat 3.07% — a rate unchanged since 2004 and the lowest among flat-tax states. Unusually, Pennsylvania offers no standard deduction and no personal exemptions, so state tax starts on the first dollar you earn. One genuine bright spot: all retirement income is exempt, including Social Security, pensions, and 401(k)/IRA distributions after age 59½.

Local earned income taxes are everywhere

Most Pennsylvania municipalities and school districts levy an Earned Income Tax (EIT), usually 1% but sometimes more — Philadelphia's wage tax is about 3.75% for residents (the highest city income tax in the nation) and Pittsburgh's is 3%. That means real combined income tax for many Pennsylvanians is 4%–7%, not 3.07%. Low-income workers may qualify for state tax forgiveness credits that reduce or eliminate the state portion.

What this calculator includes (and excludes)

This estimate covers federal income tax, FICA, and Pennsylvania's 3.07% state tax. It does not include local EIT or the Philadelphia/Pittsburgh wage taxes (which add roughly 1%–3.75%), tax forgiveness credits for low incomes, or retirement-income exemptions. Your actual take-home pay will be lower than shown once local taxes apply. Figures are estimates, not tax advice.

Frequently asked questions

What is the Pennsylvania income tax rate in 2026? ▼
A flat 3.07% on gross income — the lowest flat rate in the country, unchanged since 2004. Pennsylvania offers no standard deduction or personal exemption, so tax applies from the first dollar.
Does Pennsylvania have local income taxes? ▼
Yes — most municipalities and school districts levy an Earned Income Tax, typically 1%. Philadelphia's wage tax is about 3.75% (the nation's highest city rate) and Pittsburgh's is 3%. This calculator shows the 3.07% state tax only.
Does Pennsylvania tax Social Security or retirement income? ▼
No — Pennsylvania exempts all retirement income: Social Security, pensions, and 401(k)/IRA distributions after age 59½. It's one of the most retirement-friendly states despite taxing wages fully.
How much is $75,000 after taxes in Pennsylvania? ▼
A single filer earning $75,000 pays roughly $2,303 in Pennsylvania state income tax and takes home about $59,290 per year after federal tax, FICA, and state tax — before local EIT, which typically adds about $750 (more in Philadelphia). See the example table above.
Why is Pennsylvania's tax calculated on gross income? ▼
Pennsylvania doesn't conform to federal deductions — it taxes eight classes of income at 3.07% with no standard deduction, no personal exemptions, and no deduction for 401(k) contributions (though it taxes withdrawals later at 0% in retirement).

Data sources

Reviewed by the PayFigi research team. Last verified: 2026-07-27. These figures are estimates for informational purposes only and are not tax advice; consult a tax professional for advice specific to your situation.