Pennsylvania Paycheck Calculator
From gross salary to the number that actually hits your bank account
Pennsylvania imposes a flat state income tax of 3.07% on all earned income, regardless of how much you make. This means every dollar of wages, salary, and self-employment income is taxed at the same rate — whether you earn $25,000 or $250,000. Pennsylvania's 3.07% is one of the lowest flat income tax rates of any state in the country, which helps residents keep more of their paycheck compared to high-tax states like California or New Jersey.
However, many Pennsylvania municipalities levy local earned income taxes (EIT) on top of the state rate. Philadelphia's local wage tax is 3.75% for residents (one of the highest local income taxes in the nation), Reading charges 3.6%, and Scranton charges 3.4%. If you live and work outside major cities, local taxes are typically much lower — often 1% or less.
Federal taxes and FICA still apply regardless of state. For a $75,000 annual salary (single filer, 2025 standard deduction of $15,000), the approximate breakdown is:
- Federal income tax: ~$8,760
- Social Security (6.2%): $4,650
- Medicare (1.45%): $1,088
- Pennsylvania state income tax (3.07%): $2,303
- Estimated annual take-home: approximately $58,200, or about $4,850 per month (excluding local taxes and pre-tax deductions like 401k or health insurance).
Compared to a no-income-tax state, Pennsylvania's flat 3.07% costs about $2,300 per year on a $75k salary — a meaningful but relatively modest difference. Use this calculator to estimate your own take-home pay based on your salary and filing situation.
Practical example — Pennsylvania
On a $75,000 salary in Pennsylvania (single filer, outside Philadelphia), you pay roughly $2,303 in state income tax at the flat 3.07% rate, leaving an estimated annual take-home of around $58,200 after federal income tax and FICA — about $4,850 per month before local taxes and voluntary deductions.
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❓ Frequently asked questions
Does Pennsylvania have a state income tax?
Yes. Pennsylvania levies a flat personal income tax of 3.07% on all taxable income — wages, salaries, self-employment income, interest, dividends, and net gains from the sale of property. Every taxpayer pays the same 3.07% rate regardless of income level, since Pennsylvania does not use graduated brackets.
How much is taken out of a paycheck in Pennsylvania?
For most employees, Pennsylvania withholding is 3.07% of gross wages. On top of that, federal income tax (varies by bracket and filing status), Social Security (6.2% up to the wage base), and Medicare (1.45%) are withheld. If you live in a municipality with a local earned income tax, that is withheld separately by your employer as well. Total deductions typically range from 20–35% depending on your income level and location.
Does Pennsylvania tax Social Security benefits?
No. Pennsylvania is one of the most retirement-friendly states in the country. It does not tax Social Security benefits, pension income, or distributions from 401(k), IRA, or other retirement accounts for residents who are 59½ or older. This makes Pennsylvania significantly more attractive for retirees than states that do tax retirement income.
Are there local income taxes in Pennsylvania?
Yes, most Pennsylvania municipalities and school districts levy a local earned income tax (EIT) in addition to the 3.07% state tax. Rates vary widely: Philadelphia residents pay 3.75% locally (the highest), while most smaller towns and boroughs charge 1% or less. Your employer is required to withhold local EIT based on your work location and residence.
How does Pennsylvania's income tax compare to neighboring states?
Pennsylvania's flat 3.07% state rate is lower than New Jersey (progressive, top rate 10.75%), Maryland (progressive, up to 5.75% plus significant county taxes), and New York (progressive, up to 10.9%). It is higher than Delaware's bottom bracket but competitive overall. Ohio also uses a flat structure with a lower rate on modest incomes. Pennsylvania's retiree exemptions make it particularly competitive for older residents.