Federal + State + FICA
Philadelphia Income Tax Calculator – Estimate PA & City Taxes
Estimate federal, state, and local income tax for any US location. Enter a ZIP code to see your state on the map and get accurate state and local tax (e.g. NYC).
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Tax estimate
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What is the Philadelphia Income Tax?
Understanding the complex City Wage Tax and PA state flat-tax system.
City Wage Tax
Mandatory for anyone working in Philly or city residents working elsewhere. Rates differ for residents and non-residents.
PA Flat Tax
Pennsylvania applies a constant flat rate of 3.07% to all taxable income, regardless of your earnings level.
Federal Brackets
Calculates your liability across all 7 IRS tiers to provide a complete picture of your total tax burden.
FICA Deductions
Automatically factors in federal Social Security (6.2%) and Medicare (1.45%) from your gross salary.
Net Profits Tax
A specialized tax for self-employed individuals and freelancers operating within Philadelphia city limits.
School Income Tax
Philly residents pay a separate tax on certain types of non-business income, such as dividends and interest.
Annual Adjustments
Philadelphia typically adjusts Wage Tax rates every July. Our tool reflects the most current legislative rates.
Effective Rate
Visualizes the total percentage of your salary going toward city, state, and federal obligations.
Why Use a Philadelphia-Specific Tool?
Accurately managing one of the nation's most complex local tax codes.
Net Pay Clarity
Know exactly what hits your bank account after the Philadelphia Wage Tax and PA state tax are removed.
Resident Precision
Calculate the specific higher rate required if you legally reside within the City of Philadelphia.
Commuter Planning
Essential for workers from NJ or DE to understand their tax liability when working inside Philly city limits.
Instant Results
Skip manual City worksheets. Input your annual or hourly rate and see your net income in milliseconds.
Privacy Guaranteed
Your financial data remains 100% private. All calculations are performed locally inside your browser.
Retirement Friendly
PA does not tax retirement distributions; model your income to see why Philly remains a top destination.
Eliminate Errors
Avoid manual calculation mistakes by using our pre-tested algorithms that match latest Philly tax laws.
Audit Your Paystub
Verify that your employer is withholding the correct amount for the Philadelphia Wage Tax each period.
How to Lower Your Philly Tax Burden?
Strategic ways to keep more of your earnings using city and state incentives.
PA 529 Plan
Deduct contributions to any 529 plan up to $18,000 per beneficiary from your state taxable income.
Tax Forgiveness
Lower-income Philly residents may qualify for the PA SP-40 Tax Forgiveness program to reduce state tax.
HSA Contributions
Maximize your Health Savings Account to lower your federal and state taxable income tiers.
Retirement Math
Focus on 401(k) and IRA growth, as Distributions are 100% tax-free at both the city and state level in PA.
401(k) Pre-Tax
Contributing to a 401(k) is the most effective way to lower your federal tax tier while living in Philly.
Itemized Deductions
Deduct mortgage interest and property taxes federally to lower your total combined annual tax bill.
Charitable Giving
Deduct donations to qualified non-profits to lower your highest federal marginal tax liability.
Professional Advice
Use our report as a foundation for a detailed discussion with a Philadelphia-certified tax professional.
