What is the Pennsylvania Income Tax Calculator?
In short
Pennsylvania taxes all taxable income at a flat 3.07% rate rather than progressive brackets, so a higher salary doesn't push you into a higher state rate. On a $75,000 salary, a single filer keeps about $59,290 after $7,670 federal, $2,303 Pennsylvania state tax and $5,738 FICA — a 20.9% effective rate.
This Pennsylvania income tax calculator estimates your total tax — federal brackets + FICA (7.65%) + Pennsylvania's flat 3.07% income tax. Pennsylvania taxes eight separate classes of income, from compensation and interest to gambling and lottery winnings, and a loss in one class cannot offset income in another.
How to use this calculator
- 1Enter your annual gross income.
- 2Choose your filing status (single, married, or head of household).
- 3Pennsylvania is pre-selected — switch states to compare.
- 4Enter pre-tax deductions (401k, HSA) and any itemized deductions.
- 5Read your federal tax, state tax, FICA, total, and effective rate.
The formula
- AGI
- — Gross income minus pre-tax deductions
- taxable income
- — Federal: AGI minus the standard or itemized deduction. Pennsylvania: compensation and other income with no standard deduction or personal exemption
- federal tax
- — Federal income tax from progressive brackets
- PA tax
- — Pennsylvania — a flat 3.07% income tax
- FICA
- — Social Security 6.2% + Medicare 1.45%
Worked example
The scenario
A single filer in Pennsylvania earns $75,000 in wages, puts $4,500 (6%) into a 401(k) and $2,000 into an HSA. The example shows which of those Pennsylvania lets you subtract.
The result
Pennsylvania has no standard deduction or personal exemption, and it counts employee retirement-plan contributions as taxable compensation, so the $4,500 401(k) deferral stays in the base. Before the HSA, the state tax is 3.07% × $75,000 = $2,302.50, the same as the calculator's $2,303 on $75,000 with no pre-tax savings. The HSA contribution is one of the three deductions Pennsylvania allows, so it lowers the bill by $61.40 to $2,241.10. The 401(k) lowers federal taxable income but saves nothing in Pennsylvania; had it been deductible, the state tax would be $2,102.95. For scale, if Pennsylvania used the 2026 federal standard deduction of $16,100, the same $75,000 of wages would owe 3.07% × $58,900 = $1,808.23, which is $494.27 less.
Common use cases
- Estimating your total tax bill before filing in Pennsylvania
- Comparing Pennsylvania's flat 3.07% rate against progressive-bracket states
- Seeing how pre-tax 401(k)/HSA contributions lower your tax
- the same 3.07% rate applies to residents and nonresidents, and to estates, trusts, partnerships, S corporations and LLCs not federally taxed as corporations
Limitations & assumptions
- Pennsylvania taxes employee 401(k) contributions, but this calculator subtracts every pre-tax amount from Pennsylvania income. For a closer Pennsylvania figure with a 401(k), use the Pennsylvania paycheck calculator, which adds the 401(k) back (it also leaves out local EIT/LST and Tax Forgiveness).
- Local Earned Income Tax (EIT) and Local Services Tax (LST) are not included. Employers with Pennsylvania worksites must withhold both for employees working in the state; DCED publishes EIT rates in its PSD Codes and EIT Rates list.
- Tax Forgiveness (PA-40 Schedule SP) is not modelled, so a low-income household may owe less than shown.
- Local/city income taxes aren't included; Pennsylvania applies its 3.07% rate statewide.
- Federal calculation uses current brackets and the standard deduction unless you itemize.
- This is an estimate, not tax advice — verify against your actual return.
Official sources
Official publications for rules and figures this page uses. Rates and rules change, so confirm the current figures with the publisher before you rely on them:
- Pennsylvania Department of Revenue (pa.gov)
Frequently asked questions
What is the Pennsylvania state income tax rate?
How much is $75,000 taxed in Pennsylvania?
Does Pennsylvania have a standard deduction?
How much is $100,000 taxed in Pennsylvania?
Does Pennsylvania tax retirement income?
What is Pennsylvania Tax Forgiveness, and who qualifies?
Can an investment loss reduce Pennsylvania tax on my wages?
Is there local income tax in Pennsylvania on top of 3.07%?
Disclaimer: KalkWise calculators are provided for general informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. Results are estimates based on the figures you enter and the assumptions described above. Actual outcomes will vary. Consult a qualified professional before making financial decisions.