Philadelphia paycheck calculator 2026
Estimate your take-home pay in Philadelphia, Pennsylvania after federal income tax, Social Security, Medicare, Pennsylvania income tax and local tax. Hourly or salary.
What comes out of your paycheck in PhiladelphiaHourly take-home pay in Philadelphia
Full time (40 hours a week), biweekly paycheck, single filer with one job and no deductions.
| You earn | Gross per paycheck | Federal | Social Security & Medicare | State and local | Take-home | You keep | Per year |
|---|---|---|---|---|---|---|---|
| $15/h | $1,200.00 | −$60.15 | −$91.80 | −$82.50 | $965.55 | 80.5% | $25,104 |
| $20/h | $1,600.00 | −$108.15 | −$122.40 | −$110.00 | $1,259.45 | 78.7% | $32,746 |
| $25/h | $2,000.00 | −$156.15 | −$153.00 | −$137.50 | $1,553.35 | 77.7% | $40,387 |
| $30/h | $2,400.00 | −$204.15 | −$183.60 | −$165.00 | $1,847.25 | 77.0% | $48,029 |
| $40/h | $3,200.00 | −$364.38 | −$244.80 | −$220.00 | $2,370.82 | 74.1% | $61,641 |
Salary after taxes in Philadelphia
Annual salary split into 26 paychecks.
| You earn | Gross per paycheck | Federal | Social Security & Medicare | State and local | Take-home | You keep | Per year |
|---|---|---|---|---|---|---|---|
| $50,000 | $1,923.08 | −$146.92 | −$147.11 | −$132.22 | $1,496.83 | 77.8% | $38,918 |
| $75,000 | $2,884.62 | −$295.00 | −$220.68 | −$198.32 | $2,170.62 | 75.2% | $56,436 |
| $100,000 | $3,846.15 | −$506.54 | −$294.23 | −$264.42 | $2,780.96 | 72.3% | $72,305 |
Philadelphia deductions, line by line
Example at $22 an hour, 80 hours, biweekly paycheck.
Pennsylvania (3.07%) · −$54.03
This is Pennsylvania state income tax: a flat 3.07% of your pay for the period. It is the same for everyone, regardless of filing status.
Source: PA DOR, REV-415; Current Tax Rates (2026)PA UC (0.07%) · −$1.23
This is your contribution to Pennsylvania unemployment compensation: 0.07% of your gross wages (70 cents per $1,000). There is no annual cap.
Source: PA L&I, UC Tax Yearly Tax Highlights (2026)Philadelphia Wage Tax (3.735%) · −$65.74
This is the Philadelphia Wage Tax: 3.735% of your pay because you live in the city, wherever you work. It replaces the Earned Income Tax of other Pennsylvania municipalities.
Source: City of Philadelphia, Wage Tax (rates effective July 1, 2026)If your situation has more to it
The assumptions behind the estimate
Pennsylvania charges everyone the same rate: no filing status, allowances or state certificate change the withholding, so there is nothing to assume about your form. Assumes you live and work in Pennsylvania. Uses the rates in the DCED official register as of June 15, 2026 and, for Philadelphia, the rates in effect since July 1, 2026. Assumes a single job at one fixed work location in Pennsylvania, and that you gave your employer the Residency Certification Form with your actual address. Your employer withholds the higher of the rate where you live and the nonresident rate where you work; if you leave one of the two places blank, only the other is used. The Local Services Tax is charged where you work: above $10 a year it is spread across your paychecks; at $10 or less it is taken in full from the first paycheck of the year and only shown on that paycheck. If your annualized pay is below the LST low-income exemption (usually $12,000), we assume you filed the exemption certificate and nothing is withheld.
What is not included
Does not include the Earned Income Tax low-income exemption offered by a few municipalities and school districts, or Philadelphia's reduced rate for people with state Tax Forgiveness (claimed as a refund). If you live outside Philadelphia in a place whose rate is higher than Philadelphia's nonresident rate and work in the city, the difference is paid on your local return and is not withheld. Does not cover work in several municipalities, temporary assignments under 90 days, or out-of-state employers, who are not required to withhold local tax.
Frequently asked questions
How much tax is taken out of a paycheck in Philadelphia, Pennsylvania?
At $20 an hour and 40 hours a week, a biweekly paycheck of $1,600.00 has $108.15 of federal income tax, $122.40 of Social Security and Medicare and $110.00 of state and local taxes withheld. You take home $1,259.45, or 78.7%. This is an estimate for a single filer with one job and no deductions.
Does Pennsylvania have a state income tax on wages?
Yes. This is Pennsylvania state income tax: a flat 3.07% of your pay for the period.
Are there city or county taxes in Pennsylvania?
Yes. In Pennsylvania we calculate 2,573 cities, counties or districts with a local tax. Choose where you live and where you work in the calculator to include it.
Is overtime taxed more?
There is no special rate for overtime: it is added to your pay for the period and withholding is figured on the total, which is why the check grows less than you expect. From 2025 through 2028 you can deduct from federal income tax the extra half of your overtime (up to $12,500; $25,000 if married) if your income is under $150,000; it only lowers each paycheck's withholding if you entered it on your W-4.
How accurate is this paycheck calculator?
It uses the official 2026 withholding rules from the IRS and Pennsylvania. It is still an estimate: your employer knows your W-4, your deductions and your year-to-date earnings. It is not tax or legal advice.
Official sources
- IRS, Publication 15-T (2026), Federal Income Tax Withholding Methods
- IRS, Publication 15 (2026), Employer's Tax Guide — Social Security and Medicare
- PA Department of Revenue, REV-415 Employer Withholding Information Guide (edición 01-23, vigente) — tasa 3.07%
- PA Department of Revenue, Current Tax Rates y Employer Withholding (consultadas en 2026: 3.07%)
- PA Department of Labor & Industry, UC Tax — Yearly Tax Highlights 2026 y Employee Withholding (0.07%)
- PA DCED, Municipal Statistics — EIT / PIT / LST Tax Registers (Official), informe estatal en Excel, tasas oficiales al 15 de junio de 2026
- PA DCED, Local Withholding Tax FAQs — regla de Act 32 (la mayor entre la tasa total de residente y la de no residente del lugar de trabajo) y caso de Filadelfia
- PA DCED, Local Services Tax (LST) — prorrateo por periodo de pago, redondeo hacia abajo y exención por bajos ingresos
- City of Philadelphia, Department of Revenue, Wage Tax (employers) — 3.735% residentes y 3.425% no residentes desde el 1 de julio de 2026