Pennsylvania Self-Employment Tax Calculator
Calculate your self-employment tax, federal income tax, and Pennsylvania state income tax as a freelancer or 1099 contractor. Pennsylvania has a flat income tax rate of 3.
Annual Tax Breakdown
Summary
Quarterly Estimated Payments
Tax Breakdown
See your complete freelancer financial picture
Your estimated quarterly tax payment is $4,923. Model your freelance income alongside expenses, savings, and investments in the full simulator.
Try the Full SimulatorPennsylvania Tax Overview for Freelancers
Pennsylvania has a flat income tax rate of 3.07%, one of the lowest flat rates in the nation. Some cities (notably Philadelphia) levy additional local income taxes. Self-employed individuals in Pennsylvania pay federal self-employment tax (15.3%) plus federal income tax, and Pennsylvania state income tax on their net self-employment earnings.
Self-Employment Taxes in Pennsylvania
If you work as a freelancer or independent contractor in Pennsylvania, your tax situation involves multiple layers: federal self-employment tax, federal income tax, and Pennsylvania state income tax. Understanding how each component works helps you plan your quarterly estimated payments and maximize your deductions.
Pennsylvania Income Tax for Freelancers
Pennsylvania has a flat income tax rate of 3.07%, one of the lowest flat rates in the nation. Some cities (notably Philadelphia) levy additional local income taxes.
Cost of Living for Freelancers in Pennsylvania
Pennsylvania's cost of living is about 2% below the national average, with Philadelphia and Pittsburgh being near average. As a freelancer in Pennsylvania, your effective earnings depend not just on your tax rate but also on what your after-tax income can buy. Consider local costs for housing, coworking spaces, and daily expenses when setting your rates.
Financial Tips for Pennsylvania Freelancers
- Pennsylvania's 3.07% rate is among the lowest — but Philadelphia adds a city wage tax of ~3.75%
- Pennsylvania does not tax retirement income including 401(k), IRA, and Social Security
- Pennsylvania's moderate cost of living and access to both Philadelphia and Pittsburgh metros offer diverse opportunities
- Pittsburgh's tech and healthcare sectors are rapidly growing
Key Pennsylvania Tax Features
- Flat 3.07% rate (very low)
- Philadelphia city wage tax (~3.75%)
- No tax on any retirement income
- Growing Pittsburgh tech sector
Model Your Pennsylvania Freelance Finances Over Time
This calculator shows your Pennsylvania tax bill. Trajectoryy's full simulator models your freelance income alongside expenses, savings, investments, and more — month by month for years into the future.
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