Pennsylvania Take-Home Pay Calculator
Calculate your actual take-home pay in Pennsylvania after federal tax, Pennsylvania state tax, Social Security, Medicare, and deductions. Pennsylvania has a flat income tax rate of 3.
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Your take-home is $4,356/month. See how it flows through your budget, savings, investments, and more over time.
Try the Full SimulatorPennsylvania Tax Overview
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.
Understanding Your Take-Home Pay in Pennsylvania
If you work in Pennsylvania, your take-home pay is affected by a combination of federal taxes and Pennsylvania-specific taxes and deductions. Here's what Pennsylvania residents and workers need to know about their paycheck.
Pennsylvania Income Tax
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 in Pennsylvania
Pennsylvania's cost of living is about 2% below the national average, with Philadelphia and Pittsburgh being near average. When evaluating your Pennsylvania take-home pay, consider how far your paycheck goes based on local costs for housing, food, transportation, and healthcare.
Financial Tips for Pennsylvania Residents
- 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
See How Your Pennsylvania Take-Home Pay Builds Wealth
This calculator shows your Pennsylvania paycheck. Trajectoryy's full simulator shows how that paycheck flows through your entire financial life — savings, investments, loans, retirement, and more.
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