How Pennsylvania paycheck taxes work
- Pennsylvania income tax: a flat 3.07% rate for 2026.
- State payroll deductions: PA unemployment compensation 0.07%.
- Pennsylvania taxes 401(k) contributions even though they're pre-tax federally. The calculator follows Pennsylvania's rule.
- Pennsylvania taxes all wages at 3.07%, with no standard deduction or personal exemption.
- Unlike the IRS, Pennsylvania taxes your 401(k) and 403(b) contributions. Pre-tax health premiums through a cafeteria plan aren't taxed.
- Employees pay 0.07% unemployment compensation tax on all wages. Most Pennsylvania municipalities and school districts also charge a local earned income tax. Enter it in Local tax %.
Pennsylvania income tax rates for 2026
Pennsylvania has a flat 3.07% rate on taxable income for every filing status.
How your take-home pay is calculated
Take-home = Gross pay − 401(k) − health − HSA − federal income tax − Social Security − Medicare − Pennsylvania income tax − state payroll − local tax
Federal income tax uses the 2026 brackets and standard deduction. Social Security is 6.2% of pay up to $184,500 a year; Medicare is 1.45% of all pay plus 0.9% above $200,000. Pre-tax health and HSA payroll deductions lower all of these; 401(k) lowers income tax only.
Pennsylvania take-home pay examples
Single filer, paid every two weeks, no 401(k) or other pre-tax deductions, no local tax:
| Salary | Federal tax | Social Security + Medicare | State income tax | State payroll | Take-home a year | Per biweekly check |
|---|---|---|---|---|---|---|
| $50,000 | $3,820.00 | $3,825.00 | $1,535.00 | $35.00 | $40,785.00 | $1,568.65 |
| $75,000 | $7,670.00 | $5,737.50 | $2,302.50 | $52.50 | $59,237.50 | $2,278.37 |
| $100,000 | $13,170.00 | $7,650.00 | $3,070.00 | $70.00 | $76,040.00 | $2,924.62 |
Worked example, $75,000 salary:
- Federal: $75,000 − $16,100 standard deduction = $58,900 taxable. Tax = $1,240 + $4,560 + 22% × $8,500 = $7,670.00.
- Social Security 6.2% = $4,650.00. Medicare 1.45% = $1,087.50.
- Pennsylvania taxable income $75,000.00, Pennsylvania income tax $2,302.50.
- PA unemployment compensation: $52.50.
- Take-home: $59,237.50 a year, or $2,278.37 every two weeks. That's 21% of pay in taxes.
What this calculator simplifies
- Tax is worked out for the whole year and spread evenly over your paychecks. Employers use withholding tables, so a real check can differ by a few dollars; you settle the difference when you file.
- Federal tax uses the 2026 standard deduction only. Dependents, itemized deductions and the new tips, overtime and senior deductions aren't included (W-4 Step 3 credits can be entered under More options).
- State tax covers a typical W-2 employee who lives and works in the state. State credits for dependents, renters, earned income and similar aren't included.
- State payroll deductions use your wages after pre-tax health and HSA (the same pay Social Security uses).
Compare states on the paycheck calculator by state, or see federal tax bracket by bracket in the income tax calculator.
Sources
- PA Department of Revenue: personal income tax
- PA-40 W-2 RW: 401(k) deferrals added to PA wages
- PA Department of Labor & Industry: 2026 UC employee withholding
- Tax Foundation: State Individual Income Tax Rates and Brackets, 2026
- IRS IR-2025-103: 2026 tax inflation adjustments
- SSA contribution and benefit base ($184,500 for 2026)
- IRS Topic 560, Additional Medicare Tax
State figures: 2026. Last reviewed October 2026.