Pennsylvania · 2026 tax year State-specific estimate

Pennsylvania salary after tax calculator

Pennsylvania charges a low flat income tax of 3.07% with no standard deduction, but it does not allow 401(k) or health insurance contributions to reduce state taxable income.

Gross Annual Salary

Filing Status

Single Married HOH

Adjust pre-tax deductions Optional

Traditional 401(k)

HSA Contributions

Health Insurance

Paycheck Breakdown

Pay Period	Gross Pay	Deductions	Take-Home Pay

Pennsylvania estimate

Estimated take-home

0% Net Salary

Your estimate changes with filing status, Pennsylvania rules, and the deductions you enter.

Take-Home: $0

Federal Tax: $0

PA State Tax: $0

FICA Taxes: $0

Pre-Tax Deductions: $0

Pennsylvania State Income Tax Guide (2026)

Pennsylvania charges a low flat income tax of 3.07% with no standard deduction, but it does not allow 401(k) or health insurance contributions to reduce state taxable income.

1. Pennsylvania Flat Tax Rate

Pennsylvania applies a single flat income tax rate of 3.07% to taxable income. Unlike progressive states, the same rate applies whether you are an entry-level worker or a high earner, which makes the calculation straightforward.

2. Deductions and Conformance

Pennsylvania does not offer a standard deduction, so the rate applies from the first dollar of taxable income. Pre-tax HSA contributions reduce your Pennsylvania taxable income. However, 401(k) contributions and employer health premiums are not deductible at the PA state level and are taxed when earned.

3. Local Taxes to Watch

Many Pennsylvania municipalities levy a separate local Earned Income Tax (often around 1%), which this calculator does not include.

Compare With Other Flat-Tax States

Pennsylvania is one of several states using a flat income tax rate. Compare your take-home pay across flat-tax states: Illinois (4.95%), Georgia (4.99%), North Carolina (3.99%), Arizona (2.5%), Colorado (4.4%), Michigan (4.25%), Indiana (3.05%), Iowa (3.8%), Kentucky (3.5%), Utah (4.55%), Mississippi (4.7%), Idaho (5.8%).

Compare Take-Home Pay Across States

Wondering how your income taxes compare to other states? Explore our detailed guides and paycheck calculators for other states:

Frequently Asked Questions

Why is my 401(k) taxed by Pennsylvania?

Pennsylvania does not conform to federal pre-tax treatment of 401(k) contributions. Employee retirement contributions are taxed at the state level when earned, although qualified distributions in retirement are generally tax-free.

Does Pennsylvania have a standard deduction?

No. Pennsylvania does not offer a standard deduction or personal exemption. The flat 3.07% rate applies to nearly all compensation from the first dollar.

Are HSA contributions deductible in Pennsylvania?

Yes. Pennsylvania follows federal rules for Health Savings Accounts, so HSA contributions reduce your Pennsylvania taxable income even though 401(k) contributions do not.