This Pennsylvania paycheck calculator 2026 shows your real PA take-home pay after the state's unique tax mix: a flat 3.07% state income tax, a small 0.07% PA SUI employee withholding, plus any local Earned Income Tax (EIT) your municipality charges. Pennsylvania is one of the few states with a truly flat income tax and no standard deduction, which makes PA take-home pay easy to predict once you add federal tax and FICA. Enter your gross pay below to see your Pennsylvania net paycheck for 2026 with a full deduction breakdown.
Pennsylvania is unusual: it taxes nearly all compensation at one flat rate with no standard deduction and no personal exemptions at the state level. That means your PA state income tax is simply 3.07% of taxable wages. On top of that, Pennsylvania withholds a 0.07% employee SUI (unemployment) contribution on all wages, and most Pennsylvanians owe a local Earned Income Tax to their city or school district. The calculator combines these with 2026 federal income tax and the 7.65% FICA tax.
| Deduction | Rate (2026) | On $60,000 salary |
|---|---|---|
| PA state income tax | 3.07% flat | $1,842 |
| PA SUI (employee) | 0.07% (no cap) | $42 |
| Local EIT (typical) | 1.00% | $600 |
| Federal income tax (single) | 2026 brackets | $5,020 |
| FICA | 7.65% | $4,590 |
| Net take-home | $47,906 |
A single Pennsylvanian earning $60,000 with a 1% local EIT takes home about $47,906 a year, or roughly $1,843 per biweekly paycheck.
Pennsylvania's personal income tax has been a flat 3.07% for years and remains 3.07% for 2026. Unlike federal tax, there are no brackets — a minimum-wage worker and a CEO pay the same 3.07% rate on PA-taxable compensation. There is no state standard deduction, though low-income workers may qualify for Pennsylvania's Tax Forgiveness program (Schedule SP), which can reduce or eliminate PA tax for eligible filers.
Pennsylvania is one of a handful of states that withhold an employee unemployment (SUI) contribution. For 2026 the employee rate is 0.07% (0.0007) of gross wages, with no wage-base cap, so it applies to every dollar you earn. On $60,000 that is just $42 a year — small, but the calculator includes it for accuracy. Employers pay a separate, larger SUI contribution that does not come out of your paycheck.
Most Pennsylvania residents owe a local Earned Income Tax to their municipality and/or school district, typically 1% but ranging higher. Philadelphia uses a separate City Wage Tax (around 3.74% for residents in 2026) instead of the standard EIT. The calculator lets you enter your exact local rate — check your pay stub or the Pennsylvania DCED municipal tax lookup for your jurisdiction.
| Location | Typical local wage tax |
|---|---|
| Most municipalities | 1.0% EIT |
| Pittsburgh | ~3.0% (EIT + school) |
| Philadelphia (resident) | ~3.74% City Wage Tax |
For hourly workers, switch the pay type to "Hourly" and enter your rate and hours per week. The calculator annualizes (rate × hours × 52), applies all taxes, and divides back to your pay frequency. A $25/hour full-time worker (40 hours/week, $52,000/year) in a 1%-EIT municipality nets about $42,000 a year after PA, SUI, EIT, federal, and FICA.
Federal income tax follows the 2026 brackets with the $16,100 single / $32,200 joint standard deduction. FICA is the standard 7.65% (6.2% Social Security up to the $184,500 wage base + 1.45% Medicare). These are the same everywhere; only the PA-specific state, SUI, and local EIT lines distinguish a Pennsylvania paycheck.
Pennsylvania notably does not tax retirement income such as Social Security, qualified pension, IRA, or 401(k) distributions for residents who have reached retirement age — one of the most retiree-friendly rules in the country. It also does not allow most federal itemized deductions to reduce PA tax. Contributions to a 401(k) are still subject to PA income tax in the year contributed (PA taxes them going in, not coming out).
| Annual salary | Approx. PA net (single, 1% EIT) | Per biweekly check |
|---|---|---|
| $40,000 | ~$33,180 | ~$1,276 |
| $60,000 | ~$47,906 | ~$1,843 |
| $80,000 | ~$61,500 | ~$2,365 |
| $100,000 | ~$74,700 | ~$2,873 |
The calculator handles both pay types. Here are two fully worked 2026 examples for a single filer in a 1%-EIT municipality:
| Item | Salary ($60,000/yr) | Hourly ($25/hr, 40 hrs) |
|---|---|---|
| Annualized gross | $60,000 | $52,000 |
| PA income tax (3.07%) | $1,842 | $1,596 |
| PA SUI (0.07%) | $42 | $36 |
| Local EIT (1%) | $600 | $520 |
| Federal income tax | $5,020 | $3,940 |
| FICA (7.65%) | $4,590 | $3,978 |
| Net per year | $47,906 | $41,930 |
| Net per biweekly check | $1,842 | $1,613 |
Local tax is the biggest wildcard in a Pennsylvania paycheck. Most municipalities charge a 1% Earned Income Tax, but the two largest cities are different. Philadelphia levies a City Wage Tax (about 3.74% for residents and a lower rate for non-residents who work in the city in 2026) instead of the standard EIT. Pittsburgh's combined local rate (city plus school district) is around 3%. If you live or work in these cities, enter the correct rate in the calculator’s local-EIT field; using the default 1% would overstate your take-home.
| Location | Local wage tax (2026, approx.) | On $60,000 |
|---|---|---|
| Typical PA municipality | 1.0% | $600 |
| Pittsburgh (resident) | ~3.0% | ~$1,800 |
| Philadelphia (resident) | ~3.74% | ~$2,244 |
Pennsylvania offers a special Tax Forgiveness credit for lower-income workers, claimed on Schedule SP. Depending on income and family size, eligible filers can have part or all of their 3.07% PA income tax forgiven — a single filer with very low income may owe no PA tax at all. This does not affect federal tax or FICA, but it can meaningfully raise the take-home of part-time and low-wage Pennsylvanians. Check the PA Department of Revenue eligibility tables when you file.
Pennsylvania treats retirement contributions differently from the federal government. For federal purposes, traditional 401(k) contributions are pre-tax (deducted before income tax). Pennsylvania, however, generally taxes 401(k) contributions in the year you make them, then exempts qualified distributions in retirement. The practical effect: a 401(k) contribution lowers your federal taxable wages but usually not your PA-taxable compensation, so your PA 3.07% line does not shrink when you contribute. This calculator applies PA tax to gross compensation accordingly.
| Pay frequency | Net per paycheck (single, 1% EIT) |
|---|---|
| Weekly (52) | ~$921 |
| Biweekly (26) | ~$1,842 |
| Semi-monthly (24) | ~$1,996 |
| Monthly (12) | ~$3,992 |
All frequencies sum to the same ~$47,906 annual net; only the per-check amount changes. Use the frequency selector to match how your employer pays you.
Pennsylvania's flat 3.07% is one of the lowest state income-tax rates in the nation, so the gap versus a no-income-tax state is smaller than for high-tax states. On $60,000, a Pennsylvanian pays about $1,842 in state tax plus a typical $600 local EIT and $42 SUI — roughly $2,484 total — versus $0 in Florida or Texas. That is a meaningful but modest difference, and Pennsylvania's retiree-friendly treatment of retirement income partly offsets it for older residents. Among income-tax states, Pennsylvania is one of the more favorable for wage earners precisely because the rate is flat and low.
A Pennsylvania pay stub typically shows several distinct lines: federal income tax, Social Security, Medicare, PA state income tax (3.07%), PA SUI (the small 0.07% employee unemployment line, sometimes labeled "PA UC"), and your local Earned Income Tax. Seeing each line itemized helps you verify your employer is withholding correctly. If your local EIT line is missing or wrong, your municipality may not be receiving the tax, which can create a balance due at year-end. The calculator mirrors these lines so you can reconcile it against your actual stub.
If you are self-employed in Pennsylvania, you still owe the 3.07% flat tax on your net business profit, plus any local EIT, and you generally pay these through estimated payments rather than withholding. You also owe federal self-employment tax (15.3%) and federal income tax. Pennsylvania does not allow many federal business deductions in the same way, so your PA-taxable income may differ from your federal figure. This wage calculator focuses on employees; self-employed Pennsylvanians should also plan for quarterly federal and state estimates.
For the most accurate result, enter figures straight from your own documents rather than estimates. Pull your gross pay and pay frequency from a recent pay stub, your filing status from your most recent tax return, and any pre-tax deductions (retirement, health, HSA) from your benefits enrollment. Small differences in these inputs — especially filing status and pre-tax contributions — can change your take-home by hundreds or thousands of dollars a year. The calculator uses verified 2026 federal brackets, the $184,500 Social Security wage base, and current state rules, so matching its inputs to your actual situation gives a reliable estimate you can plan around. Always treat the output as an educated estimate and confirm exact figures against your payroll provider or a tax professional, since year-to-date caps, local taxes, and W-4 elections can shift the final number.
Tax brackets, standard deductions, the Social Security wage base, and several state rates all change yearly. Using a calculator built on the correct 2026 numbers — rather than a prior-year tool — matters because the differences compound across a full year of pay. This page reflects the 2026 federal standard deductions ($16,100 single / $32,200 joint / $24,150 head of household), the 2026 bracket thresholds, the $184,500 Social Security wage base, and the latest published state rates. When the IRS and state agencies announce the following year's figures, the inputs here will be updated so your estimate stays current.
Pennsylvania has a flat 3.07% state personal income tax for 2026, applied to nearly all compensation with no standard deduction or personal exemption. A worker at any income level pays the same 3.07% rate on PA-taxable wages.
About $47,906 a year for a single filer in 2026 with a 1% local EIT, or roughly $1,843 per biweekly paycheck. That is after $1,842 PA income tax, $42 PA SUI, $600 local EIT, $5,020 federal tax, and $4,590 FICA.
The Pennsylvania employee SUI (unemployment) withholding rate for 2026 is 0.07% (0.0007) of gross wages, with no wage-base cap, so it applies to all earnings. On $60,000 that is about $42 per year.
Yes. Most Pennsylvania residents owe a local Earned Income Tax (EIT), commonly 1%, to their municipality and/or school district. Philadelphia uses a separate City Wage Tax (around 3.74% for residents in 2026) and Pittsburgh's combined rate is about 3%. Check your pay stub or the DCED lookup for your rate.
Pennsylvania does not tax Social Security or qualified retirement distributions (pension, IRA, 401(k)) for residents who have reached retirement age. However, PA does tax 401(k) contributions in the year you make them, so contributions do not reduce your PA state income tax now.
No. Pennsylvania has no standard deduction or personal exemption. The flat 3.07% applies to taxable compensation, though low-income filers may qualify for Tax Forgiveness (Schedule SP), which can reduce or eliminate PA tax.