Federal income tax2026 IRS brackets
Standard deduction and marginal brackets from IRS tax-year 2026 inflation adjustments.
IRSPennsylvania · 2026 tax year
What your PA paycheck actually leaves you.
Not a rough guess. A line-by-line breakdown of federal tax, PA's flat 3.07%, your local EIT, and FICA, recalculated the instant you type.
2026 IRS bracketsPA flat 3.07%Nothing stored
Where do you work?sets your local EIT
The statewide default You keep $5,200 gross each month before tax.
Estimated take-home
$4,148.23per check
$4,148/mo / $49,779/yr net / 20.2% withheld
Take-home pay$4,148.23
Federal Income Tax-$442.33
PA State Tax (3.07%)-$159.64
Local Earned Income Tax-$52.00
Social Security (6.2%)-$322.40
Medicare (1.45%)-$75.40
Estimate, not payroll withholding. Models 2026 annual tax liability with PA's 3.07% flat tax. Your employer's W-4 paycheck may differ by a few dollars.
Where every number comes from
Calculation basis, source by source.
The estimate uses published 2026 tax rules, visible assumptions, and a clear boundary between annual liability and payroll withholding.
FederalIRS 2026 brackets
StatePA 3.07%
FICA6.2% + 1.45%
LocalEIT presets
Calculation basisSource review: June 14, 2026
Pennsylvania income tax3.07% flat rate
Pennsylvania personal income tax rate applied to taxable earned income.
PA Department of RevenueSocial Security6.2% to $184,500
Employee OASDI rate with the 2026 Social Security taxable wage base.
Social Security AdministrationMedicare1.45%, no cap
Employee Medicare tax applied to all wages in this calculator model.
Social Security AdministrationLocal earned income taxPA EIT presets
Local EIT varies by municipality and school district. Presets are examples, not address lookup results.
PA DCEDPrivacy boundaryBrowser only
Pay inputs are used for local calculation only. Salary values are not transmitted or stored.
Vulcan calculation modelThis page estimates annual tax liability and converts it back to paycheck, monthly, or annual views. Payroll withholding can differ because employers apply W-4 settings and payroll-specific rounding.
Paystub map
What each withholding line is doing.
The calculator is designed to be auditable. Each row has one job, one tax treatment, and one reason it changes your take-home number.
Gross pay
What you earned before taxesThe calculator starts with your pay period amount, then annualizes it from your selected frequency.
Pre-tax deductions
401(k), HSA, eligible benefitsThese reduce federal and Pennsylvania taxable income in the model, but not Social Security or Medicare wages.
Federal income tax
Progressive bracketsTaxable annual income is run through 2026 IRS brackets, then converted back to the view you choose.
PA state tax
Flat 3.07%Pennsylvania is modeled as a flat earned-income tax, which is why the state line is easier to audit.
Local EIT
Municipality and school districtThis is the Pennsylvania-specific line that generic paycheck calculators often hide or oversimplify.
FICA
Social Security and MedicareSocial Security uses the annual wage base. Medicare is modeled without a wage cap.
Why your city matters
Local EIT is the Pennsylvania swing factor.
The state tax is flat. Your municipality and school district decide the local earned income tax that changes take-home pay.
On a $75,000 salary, your PA local Earned Income Tax alone moves this much:
Philadelphia
-$2,813/yr
3.75%
Pittsburgh
-$2,250/yr
3%
Scranton
-$2,550/yr
3.4%
Most municipalities
-$750/yr
1%
That's a $2,063 annual difference between working in Philadelphia and a typical 1% municipality before a single federal dollar is counted.
When this estimate helps
Use it before the payroll number surprises you.
The page is built for planning decisions, not filing. These are the moments where a transparent paycheck estimate is most useful.
Compare an offer
Turn the quoted salary into take-home pay before you negotiate, accept, or plan a move.
Plan a raise
See how much of the raise survives federal, PA, local EIT, and FICA before it hits your budget.
Test a town change
Keep the same salary and change the local EIT preset to see why location matters in Pennsylvania.
Tune deductions
Model 401(k) or HSA contributions without losing sight of the FICA lines that still apply.
The questions everyone actually has
Straight answers, no fine print.
Your employer withholds based on the W-4 form and IRS percentage-method tables, which approximate your tax in small per-check increments. This tool computes your true annual tax liability and divides it evenly. Over a year the totals converge, but any single check can differ by a few dollars.
Pre-tax 401(k) and HSA contributions lower your federal and PA taxable income, so you keep more of each dollar you defer than it costs you in take-home. They do not, however, reduce your Social Security or Medicare (FICA) wages. Those are always calculated on gross pay.
Yes. PA is one of a handful of states with a flat income tax: 3.07% on most earned income, with no brackets and no standard deduction. What varies is the local Earned Income Tax, set by your municipality and school district, which is why your work location matters so much.
No. Every calculation runs entirely in your browser. Nothing you type is sent to a server or saved. The only thing we record is anonymous usage (that the calculator was used at all), never the numbers themselves.
Treat it as a well-grounded estimate for planning: comparing offers, budgeting a move, modeling a raise. It uses current 2026 federal brackets and PA rules, but it is not tax or financial advice and does not replace a payroll or tax professional for filing.
Get your exact city breakdown
A PDF tuned to your municipality's precise EIT, school-district tax, and a month-by-month take-home schedule. We'll email it when it's ready.
Free. No spam. One email when it launches.