Federal + State + FICA
Pennsylvania Income Tax Calculator – Estimate PA State Tax & Take-Home Pay
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).
Your financial details
Enter a ZIP code to highlight your state
Tax estimate
Your results will appear here after you run the calculator.
What is the Pennsylvania Income Tax Calculator?
Understanding the Keystone State's flat tax and local "piggyback" system.
3.07% Flat Rate
Pennsylvania features the lowest flat tax in the US, applying the same rate to all taxpayers regardless of income.
Local EIT Taxes
Accounts for the Earned Income Tax (EIT) charged by your specific municipality and school district.
FICA Deductions
Automatically factors in federal Social Security (6.2%) and Medicare (1.45%) from your gross salary.
NJ/PA Reciprocity
Includes logic for the reciprocal agreement where workers are only taxed by their state of residence.
LST Withholding
Calculates the Local Services Tax (LST), typically a small weekly deduction for emergency services.
1099 Support
Specialized logic for PA freelancers to calculate the 15.3% self-employment tax and state gross receipts.
2024/2025 Rates
Updated with the latest PA Department of Revenue standards and current federal inflation-indexed tiers.
Effective Tax Rate
Visualizes exactly what percentage of your salary goes to Harrisburg versus the federal government.
Why Use Our Pennsylvania Tax Tool?
Navigating the complexities of local tax jurisdictions with absolute precision.
Net Pay Accuracy
Know exactly what your paycheck will look like after the 3.07% state tax and local EIT are removed.
Local Tax Clarity
Municipal taxes in PA vary wildly by township; our tool prevents budgeting surprises based on where you live.
Retiree Friendly
PA does not tax retirement distributions; model your income to see why it's a top retirement destination.
Instant Estimates
Skip the complex PA-40 state worksheets. Get a professional tax projection in a fraction of a second.
Privacy Guaranteed
Your financial data remains 100% private. All calculations are performed locally in your browser.
Relocation Math
Moving from Philly to the suburbs? See how your take-home pay changes based on local tax differences.
Avoid Surprises
Identify if you are under-withholding local tax early in the year to avoid interest and penalties.
Audit Your Paystub
Verify that your employer is withholding the correct amount for both state and local tax requirements.
How to Lower Your Pennsylvania Liability?
Smart strategies to maximize deductions in a strict gross-income tax state.
529 GSP Deduction
PA allows a generous deduction of up to $18,000 per beneficiary for contributions to 529 college plans.
Tax Forgiveness
Lower-income residents may qualify for the PA Tax Forgiveness program, which can eliminate state tax liability.
HSA Contributions
Unlike many states, PA allows a full deduction for HSA contributions at the state level to lower taxable income.
Retirement Assets
Since PA doesn't tax 401k/IRA distributions, focus on maximizing these to lower your federal tax burden.
Unreimbursed Expenses
PA allows deductions for certain unreimbursed business expenses (UE) that are no longer allowed federally.
Pre-Tax Health
Ensure your employer deducts health premiums pre-tax, as PA recognizes these to lower your gross taxable base.
Federal Interplay
Maximize charitable giving to lower your federal marginal tax rate, even though PA is a flat-tax state.
Professional Advice
Use our data as a foundation for a detailed discussion with a Pennsylvania-certified tax professional.
