Paycheck calculators · Pennsylvania · Tax year 2026

Pennsylvania Paycheck Calculator: 2026 Take-Home Pay, Estimated

Pennsylvania withholds a flat 3.07 percent of your pay for state income tax, with no standard deduction and no personal exemption, plus a 0.07 percent employee contribution to unemployment compensation. Philadelphia adds its own wage tax. Enter your pay below and this calculator estimates your take-home pay for 2026, federal tax and FICA included, with an optional view of what the new 2026 tips and overtime deductions could mean on your return.

Last reviewed: November 4, 2026.

The 2026 Pennsylvania numbers

Pennsylvania paycheck figures for 2026, from state sources
State income tax	Flat 3.07 percent of compensation. No standard deduction and no personal exemption, so the rate applies from the first dollar (Pennsylvania Department of Revenue)
Unemployment compensation, employee share	0.07 percent of gross wages, with no wage cap on the employee share (Pennsylvania Department of Labor and Industry)
Philadelphia wage tax	3.735 percent if you live in Philadelphia, 3.425 percent if you work in Philadelphia and live outside it, for July 1, 2026 to June 30, 2027. Philadelphia rates change each July 1 (City of Philadelphia, Department of Revenue)
Local earned income tax elsewhere	Set by your municipality and school district, commonly around 1 percent. Enter your own rate in the calculator; there is no single statewide local rate
Federal withholding	IRS Publication 15-T for 2026, Worksheet 1A percentage method
Social Security and Medicare	6.2 percent up to $184,500 of wages; 1.45 percent on all wages; an extra 0.9 percent Medicare withholding over $200,000 (IRS Topic No. 751; Social Security Administration)

Checked against IRS sources · Reviewed November 4, 2026

The paycheck calculator

Your pay

Salary Hourly

Yearly salary before tax (dollars)

How often are you paid? Filing status

Married filing separately uses the single table in Publication 15-T, so choose Single for a withholding estimate on that status.

Your Form W-4 (optional)

The Step 2 box is checked on my Form W-4 (multiple jobs or a working spouse)

Other income, Step 4(a) (yearly dollars, optional) Dependents amount, Step 3 (yearly dollars, optional) Deductions, Step 4(b) (yearly dollars, optional) Extra withholding, Step 4(c) (dollars per paycheck, optional)

These four entries copy what is on the Form W-4 you gave your employer. Leave them blank if your W-4 has none of them, which is the common case.

Tips and overtime (optional, new for 2026) Tips you expect to receive this year (dollars, optional) Overtime premium you expect this year (dollars, optional)

The premium is only the extra half of time-and-a-half, not your full overtime pay. Both amounts are wages: they are taxed like the rest of your pay in the estimate, and the results also show what the new 2026 deductions for tips and the overtime premium could be worth on your return.

Pennsylvania work location Where do you work? Local earned income tax rate where you live or work (percent, optional)

Most Pennsylvania workers outside Philadelphia pay a local earned income tax set by their municipality and school district, commonly around 1 percent. Rates are set locally, so enter your own; your pay stub or your local tax collector shows it. If you selected Philadelphia above, the Philadelphia wage tax applies instead and this field is not used.

Estimate only. This tool gives a general estimate based on the figures you entered and the published IRS rules cited on this page. It is not tax advice, it is not a tax return, and it cannot be relied on to avoid any tax penalty. Tax law and IRS guidance change. Confirm your figures against the current IRS instructions for the form you file, or ask a qualified tax professional.

Nothing you enter is sent anywhere. The calculation runs in your browser.

How this estimate is calculated

Federal income tax follows Worksheet 1A of IRS Publication 15-T for 2026, the worksheet employer payroll systems use for the automated percentage method. Your pay is annualized, your Form W-4 entries are applied, including the adjustment that applies when the Step 2 box is not checked ($12,900 on a joint return, $8,600 otherwise), and the 2026 percentage method table for your filing status gives the withholding. This calculator assumes a current Form W-4, the version in use since 2020.

Social Security and Medicare (FICA) are withheld at 6.2 percent of wages up to the 2026 wage base of $184,500, and 1.45 percent of all wages for Medicare, with an extra 0.9 percent Medicare withholding on wages over $200,000 in the year, as IRS Topic No. 751 sets out. Tips count as wages for FICA.

Pennsylvania tax is the simple part: the Department of Revenue requires employers to withhold a flat 3.07 percent of compensation, and Pennsylvania gives no standard deduction or personal exemption against wages. The estimate also includes the employee unemployment contribution of 0.07 percent of gross wages, which the Department of Labor and Industry requires employers to withhold and which has no wage cap for the employee share. Philadelphia's wage tax replaces the usual local earned income tax; outside Philadelphia, your local rate is the one you enter.

the saving lands on the return, not the paycheck

Tips and overtime: the 2026 difference

Most paycheck calculators stop at withholding. This one also shows the new 2026 deduction context, because tax year 2026 is the first year tips and the overtime premium carry deductions of their own: tips up to $25,000 per return, and the overtime premium up to $12,500, or $25,000 on a joint return, claimed on the new Schedule 1-A. Both phase out from $150,000 of modified adjusted gross income, or $300,000 on a joint return.

Two cautions belong with that panel. First, the deductions are worked out on your tax return, not in your paycheck: the saving normally arrives at filing time, unless you adjust your Form W-4 so withholding reflects the deductions during the year, which the 2026 Form W-4 allows. Second, for 2026 the IRS states in Fact Sheet FS-2026-13 that the deductions are generally limited to the amounts your employer separately reports on your W-2, in Box 12 with code TP for tips and code TT for the overtime premium. The tips deduction calculator and the overtime deduction calculator work through those rules in full.

no 401(k) assumed here, on purpose

What this estimate does not include

Pre-tax deductions from your pay, such as 401(k) or 403(b) contributions and health insurance premiums. Those reduce the wages most taxes are figured on, and they depend on elections only you and your employer know, so no honest estimate can assume them.
Bonuses, commissions, and irregular pay. Payroll annualizes each check as if it repeated all year, so a one-off payment is usually withheld at a higher effective rate than this estimate shows for steady pay.
Credits and return-level items. Withholding is an advance payment. Your actual tax is settled on your return, where credits, other income, and deductions all enter.
Any local tax other than the one you select or enter on this page.

PlainStub also runs paycheck calculators for Pennsylvania, Washington, Illinois, New Jersey, Ohio, Michigan, South Carolina, and Virginia, each built on that state's own published 2026 figures.

Comparing a salary with hourly work?

If you are weighing a salaried offer against hourly work, or the other way round, the Pennsylvania salary to hourly calculator converts either figure into the other at your hours per week, and estimates the take-home pay on the converted pay using the same figures as this page.

Sources

Pennsylvania Department of Revenue, pa.gov: Personal Income Tax and Employer Withholding pages. The flat 3.07 percent withholding rate on compensation, and the statement that Pennsylvania provides no standard deduction or personal exemption. Checked November 4, 2026.
Pennsylvania Department of Labor and Industry, pa.gov: Employee Withholding, and Calculating Contributions, Penalties and Interest. The employee unemployment contribution rate of 0.07 percent for 2023 and thereafter, figured on total gross wages with no wage base limit for the employee share. Checked November 4, 2026.
City of Philadelphia, Department of Revenue, phila.gov: Tax Rate History, revised June 11, 2026. Philadelphia wage tax of 3.735 percent resident and 3.425 percent nonresident for July 1, 2026 to June 30, 2027. Checked November 4, 2026.
IRS, Publication 15-T, Federal Income Tax Withholding Methods, 2026 edition. Worksheet 1A and the 2026 percentage method tables. Checked November 4, 2026.
IRS, Topic No. 751, Social Security and Medicare Withholding Rates; Social Security Administration, Contribution and Benefit Base for 2026 ($184,500). Checked November 4, 2026.

Last reviewed: November 4, 2026.