Pennsylvania Paycheck Calculator (2026) | PA Take-Home Pay
Estimate your take-home pay in Pennsylvania. 2026 PA paycheck calculator with flat 3.07% state tax, 0.07% PA UC tax, and local Earned Income Tax (EIT).
Your Earnings & Tax Info
Select state, pay frequency, and gross payItemized Paycheck Deductions
Publication 15-T line items| Paycheck Line Item | Per Period | Annual Total | % of Gross |
|---|---|---|---|
Gross Earnings Total earnings before taxes and deductions. | $3,076.92 | $80,000.00 | 100.0% |
Federal Income Tax Withheld per IRS Publication 15-T percentage method based on filing status and Form W-4. | -$438.35 | -$11,397.10 | 14.3% |
Social Security (OASDI) 6.2% on eligible wages up to the 2026 wage base limit ($181,800). | -$190.77 | -$4,960.00 | 6.2% |
Medicare (Hospital Insurance) 1.45% on all earnings with no annual wage limit. | -$44.62 | -$1,160.00 | 1.4% |
Pennsylvania State Income Tax State withholding based on official Pennsylvania Department of Revenue schedules. | -$94.46 | -$2,456.00 | 3.1% |
PA Unemployment Compensation (UC) 0.07% PA UC employee tax | -$2.15 | -$56.00 | 0.1% |
PA Local Earned Income Tax (EIT - 1.0%) Local municipality or county wage withholding. | -$30.77 | -$800.00 | 1.0% |
Take-Home (Net) Pay Estimated net amount deposited into your bank account per paycheck. | $2,275.80 | $59,170.90 | 74.0% |
Verified Calculation Basis (Tax Year 2026)
IRS Publication 15-T percentage method withholding & state revenue schedules applied.
Official Data Source:Pennsylvania Employer Withholding Information Guide (REV-415) →
Published and maintained by the Pennsylvania Department of Revenue. Methodology and calculations independently verified against agency withholding specifications.
How Pennsylvania Paychecks Are Calculated in 2026
Pennsylvania enforces a **flat state personal income tax rate of 3.07%** on all gross taxable compensation. Unlike the federal tax system or most other states, Pennsylvania **does not have a standard deduction or personal exemption** for paycheck withholding. Every dollar of taxable compensation is taxed at 3.07% from dollar one.
Pennsylvania State & Local Tax Components
- Pennsylvania State Income Tax: Flat 3.07% on taxable compensation.
- PA Unemployment Compensation (UC) Employee Tax: An employee-paid tax of 0.07% (0.0007) withheld on all gross wages to support the state unemployment trust fund.
- Local Earned Income Tax (EIT): Enacted under Act 32. In most Pennsylvania municipalities, the local resident EIT is **1.0%**, although cities like Philadelphia have higher rates (approximately 3.75% for residents).
- Local Services Tax (LST): A small flat municipal fee (typically $52/year or $1 to $2 per paycheck) levied in many PA municipalities for municipal emergency services.
Worked Example: Biweekly Paycheck for an $80,000 Salary in Pennsylvania
Consider an employee earning $80,000 annually in Pennsylvania, paid biweekly (26 pay periods per year), filing as Single with standard 1.0% local EIT:
- Gross Pay per Check:
$80,000 ÷ 26 = $3,076.92 - Federal Income Tax Withholding:
$309.85(IRS Publication 15-T) - Social Security Tax (6.2%):
$190.77($3,076.92 × 6.2%) - Medicare Tax (1.45%):
$44.62($3,076.92 × 1.45%) - PA State Income Tax (3.07%):
$94.46($3,076.92 × 3.07%) - PA Unemployment Compensation (0.07%):
$2.15($3,076.92 × 0.07%) - Local Earned Income Tax (EIT - 1.0%):
$30.77($3,076.92 × 1.0%) - Total Taxes & Deductions:
$672.62 - Estimated Take-Home (Net) Pay:
$2,404.30 per paycheck
Pennsylvania Paycheck FAQs
What is the Philadelphia Wage Tax?
Philadelphia imposes its own municipal wage tax instead of standard Act 32 EIT. For Philadelphia residents, the rate is roughly 3.75%, while non-residents working in Philadelphia pay approximately 3.44%. This is withheld directly by employers.
Why is my 401(k) taxed by Pennsylvania?
Pennsylvania law treats retirement contributions symmetrically: because PA does not allow a tax deduction when you contribute money into a 401(k), qualifying retirement distributions you take in retirement are **100% tax-free** under Pennsylvania state tax law!
Does Pennsylvania have reciprocity with neighboring states?
Yes. Pennsylvania maintains reciprocal personal income tax agreements with Indiana, Maryland, New Jersey, Ohio, Virginia, and West Virginia. If you live in Pennsylvania and work in New Jersey (or vice versa), you only pay income tax to your state of residence.