Pennsylvania Paycheck Calculator for State, Local EIT and Net Pay
Estimate Pennsylvania take-home pay from hourly wages or annual salary with federal tax, the 3.07% Pennsylvania income tax, local Earned Income Tax, Philadelphia Wage Tax, Local Services Tax, Social Security, Medicare, 2026 PA unemployment withholding, overtime, and benefits.
Pennsylvania Hourly and Salary Paycheck Calculator
Choose hourly or salary pay, then enter your pay schedule, federal filing status, local tax setup, deductions, and extra withholding. The result estimates one representative paycheck and converts it into weekly, monthly, and annual net pay.
Enter your details and calculate a representative Pennsylvania paycheck.
How to Use the Pennsylvania Paycheck Calculator
Estimated Pennsylvania Pay by Frequency
The live table converts the current calculator result into common payroll and budgeting periods.
| Planning period | Estimated gross | Estimated take-home | Useful for |
|---|---|---|---|
| Weekly | $0.00 | $0.00 | Hourly work and short-term budgeting |
| Biweekly | $0.00 | $0.00 | A common 26-check payroll |
| Semimonthly | $0.00 | $0.00 | Two checks per calendar month |
| Monthly | $0.00 | $0.00 | Rent, mortgage, and monthly bills |
| Annual | $0.00 | $0.00 | Job offers and relocation comparisons |
Pennsylvania Local Earned Income Tax, PSD Codes and Work Location
Pennsylvania local payroll tax cannot be estimated accurately from the state name alone. The correct result can depend on the municipality and school district where you live, the municipality where you work, the worksite’s nonresident rate, and the six-digit PSD codes used by payroll and local tax collectors.
| Local payroll item | What it means | What to enter | Common mistake |
|---|---|---|---|
| Resident EIT rate | Combined resident earned-income rate for the home municipality and school district | The official percentage from the address lookup | Using a nearby city’s rate or ZIP code only |
| Work-location nonresident EIT rate | Rate imposed by the municipality where the worksite is located on nonresidents | The official work-address nonresident rate | Entering the resident worksite rate instead |
| Applicable Act 32 rate | Generally the higher of the resident EIT rate and work-location nonresident rate | The calculator compares both rates automatically | Adding both rates together |
| PSD code | Six-digit code identifying a Pennsylvania municipality | Provide home and work PSD information to payroll when requested | Not updating payroll after moving or changing worksites |
| Local Services Tax | Work-location tax that may be withheld across payroll periods | Official annual amount, often $52 but not universally | Ignoring a low-income exemption or assuming every location charges the same amount |
Determines the resident EIT rate and home PSD code. Use the physical municipality, not only the mailing city.
Determines the nonresident work-location rate, LST, work PSD code, and local collector information.
A home-based worksite can change the local-tax analysis. Confirm the employer’s assigned worksite rather than guessing.
Use the official address tool before changing payroll: find Pennsylvania local withholding rates, PSD codes and LST by address.
Philadelphia Wage Tax Rates for 2026 Paychecks
Philadelphia Wage Tax is based on gross compensation and applies to Philadelphia residents regardless of where they work, as well as covered nonresidents who work in Philadelphia. The city changes rates on July 1, so a 2026 calculator needs two rate periods.
| Paycheck date | Philadelphia resident rate | Philadelphia nonresident rate | Calculator option |
|---|---|---|---|
| January 1–June 30, 2026 | 3.740% | 3.430% | First half of 2026 |
| July 1–December 31, 2026 | 3.735% | 3.425% | Second half of 2026 |
Review official Philadelphia Wage Tax rules and verify the official rate history.
Pennsylvania Paycheck Mini Tools
Use these calculators for hourly-to-salary conversion, EIT comparison, Local Services Tax, Philadelphia Wage Tax, and one-time bonus planning.
Hourly to Annual Gross Pay
Salary to Hourly Converter
Local EIT Rate Comparator
Philadelphia Wage Tax Helper
Local Services Tax Per Paycheck
One-Time Bonus Withholding Helper
Pennsylvania Overtime Pay and Minimum Wage in 2026
Most covered nonexempt employees receive at least one and one-half times their regular rate for hours over 40 in a workweek. Exemptions, tipped-work rules, commissions, nondiscretionary bonuses, and the legally required regular rate can change the calculation.
| Pay item | Basic planning formula | What to verify |
|---|---|---|
| Regular hourly pay | Hourly rate × regular hours | Timecard, rate, shift premium, and paid-time rules |
| Overtime gross pay | Regular rate × 1.5 × overtime hours | Exemption status and what compensation belongs in the regular rate |
| Pennsylvania minimum wage | $7.25 per hour statewide baseline in 2026 | Tipped work, special coverage, contracts, and any higher applicable federal rule |
| After-tax overtime | Compare calculator results with and without overtime | Higher annualized federal withholding and local wage taxes |
Review Pennsylvania minimum-wage law and check federal overtime guidance.
What Comes Out of a Pennsylvania Paycheck?
| Deduction | Included? | 2026 treatment used | Why payroll may differ |
|---|---|---|---|
| Federal income tax | Yes | 2026 brackets and standard deduction, annualized | Publication 15-T and Form W-4 use more detailed payroll steps |
| Pennsylvania income tax | Yes | 3.07% flat estimate on selected PA-taxable wages | Taxable-compensation exclusions and tax forgiveness are not fully modeled |
| Local EIT | When standard EIT is selected | Higher of entered resident and work nonresident rates | Wrong PSD, residency, worksite, taxable wage base, or collector setup |
| Philadelphia Wage Tax | When a Philadelphia option is selected | Correct resident/nonresident rate for the selected half of 2026 | Remote-work sourcing, refunds, relief eligibility, and gross-compensation rules |
| Local Services Tax | Optional | Entered annual amount divided by pay periods | Official rate, multiple employers, low-income exemption, and withholding timing |
| PA unemployment contribution | Optional, on by default | 0.07% of gross covered wages, no wage cap in this estimate | Coverage and employer payroll rounding |
| Social Security | Yes | 6.2% up to the $184,500 wage base | Year-to-date wages and multiple employers |
| Medicare | Yes | 1.45% plus estimated Additional Medicare Tax above the selected threshold | Employer withholding threshold differs from joint-return liability rules |
| Benefits and retirement | If entered | User-selected federal, PA/local, and FICA treatment | Each plan can have a different tax treatment |
Common Pennsylvania Paycheck Problems and Fixes
- Wrong local rate: Run the official address lookup for both home and work addresses, then compare the resident and work nonresident EIT rates.
- Wrong PSD code: Update payroll after a move, municipality change, school-district change, or worksite transfer.
- Philadelphia rate mismatch: Check whether the pay date is before or after July 1, 2026 and whether payroll treats you as a resident or nonresident.
- LST looks too high: Check whether the annual rate exceeds $10, whether it is spread across pay periods, and whether a low-income exemption applies.
- PA taxable wages exceed federal wages: Pennsylvania does not follow every federal exclusion, especially for some employee benefit or retirement deductions.
- Unexpected PA UC line: Employee unemployment withholding is 0.07% of gross covered wages for 2026.
- Net pay changed after overtime or a bonus: Larger gross pay can increase annualized federal withholding and local wage tax.
Official Pennsylvania and Federal Payroll Resources
Use these official sources when a paycheck estimate affects a withholding change, payroll correction, local-tax filing, wage complaint, job offer, or tax decision.
Official 3.07% compensation withholding guidance.
Open PA employer withholdingState tax rate, filing information, and individual resources.
Review PA personal income taxOfficial municipal codes and local earned-income rates.
Find PSD codes and EIT ratesHome and work address search for EIT, LST, PSD, and collector information.
Use the DCED address searchOfficial Act 32 explanations for resident and work-location rates.
Read local withholding FAQsRates, payroll timing, low-income exemptions, and employer rules.
Review Pennsylvania LST guidanceResident and nonresident employer-withholding rules.
Open Philadelphia Wage TaxOfficial employee contribution rate and rounding procedures.
Check PA employee UC withholdingIRS payroll withholding methods and W-4 calculations.
Read IRS Publication 15-TOfficial 2026 taxable maximum and OASDI rate.
Check the SSA contribution baseCompare Pennsylvania Take-Home Pay with Other States
A higher salary does not always create higher net pay. Compare state taxes, local wage taxes, payroll deductions, housing, commuting, and benefits before evaluating a relocation or job offer.
Use the Texas paycheck calculator for a no-state-income-tax comparison.
Use the California paycheck calculator to compare progressive state tax and payroll deductions.
Remember to include local EIT, Philadelphia Wage Tax, LST, and PA employee UC when comparing Pennsylvania offers.
Pennsylvania Paycheck Calculator FAQs
What is the Pennsylvania income tax rate on paychecks in 2026?
Pennsylvania employers generally withhold state personal income tax at a flat 3.07% rate from taxable employee compensation. Actual Pennsylvania taxable wages can differ from federal taxable wages.
How is Pennsylvania local Earned Income Tax calculated?
For standard Act 32 withholding, the applicable local EIT rate is generally determined by comparing the employee’s total resident EIT rate with the work-location nonresident EIT rate. Employers generally withhold the higher applicable rate rather than adding both rates together.
What is a Pennsylvania PSD code?
A PSD code is a six-digit political subdivision code that identifies a Pennsylvania municipality. Home and work PSD codes help employers and tax collectors send local Earned Income Tax to the correct jurisdictions.
Does this calculator include Philadelphia Wage Tax?
Yes. It includes separate options for Philadelphia residents and nonresidents who work in Philadelphia. It also applies the rates effective January 1 through June 30, 2026 or July 1 through December 31, 2026.
What are the Philadelphia Wage Tax rates in 2026?
From January 1 through June 30, 2026, the rate is 3.740% for residents and 3.430% for nonresidents. From July 1 through December 31, 2026, the rate is 3.735% for residents and 3.425% for nonresidents.
What is Pennsylvania Local Services Tax?
Local Services Tax is a work-location tax imposed by some municipalities and school districts. A common combined annual amount is $52, but rates and exemptions vary. Use the official address lookup and enter the actual annual amount shown for the worksite.
What is the PA employee unemployment deduction for 2026?
The Pennsylvania employee unemployment contribution rate is 0.07% of gross covered wages for calendar year 2026. The employee contribution is not limited by the employer unemployment taxable wage base.
Does Pennsylvania tax 401(k) contributions the same way as federal payroll?
Not always. Pennsylvania does not follow every federal taxable-wage exclusion, and some employee retirement deferrals or benefits can remain taxable for Pennsylvania purposes. Confirm the specific plan treatment with payroll or the Pennsylvania Department of Revenue.
Can I calculate a Pennsylvania biweekly paycheck?
Yes. Select biweekly to use 26 pay periods per year. The calculator also converts the result into weekly, monthly, and annual gross and net amounts.
Does the Pennsylvania paycheck calculator include overtime?
Yes. Hourly mode calculates entered overtime hours at 1.5 times the regular hourly rate. Actual overtime eligibility and the legally required regular rate can differ for exempt employees, bonuses, commissions, tipped work, and special occupations.
Why is my real Pennsylvania paycheck different from the estimate?
Differences can come from Form W-4, Pennsylvania taxable-compensation rules, tax forgiveness, PSD codes, local EIT rates, Philadelphia residency, LST exemptions, year-to-date wages, bonuses, benefits, multiple jobs, and the employer’s exact payroll method.
Is this calculator official tax or payroll advice?
No. It is a planning tool. Use official IRS, Social Security, Pennsylvania Department of Revenue, Pennsylvania DCED, Department of Labor and Industry, and Philadelphia Department of Revenue resources for payroll changes, tax filing, local-tax disputes, or legal decisions.