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Homeโ€บUSโ€บPhiladelphia Paycheck Calculator

Philadelphia Paycheck Calculator 2026

Combined PA + Philly = 6.82% from first dollar, no deductions. Your $80K salary becomes ~$59,375 after all taxes as a Philly resident, or ~$59,623 as a non-resident commuter.

$
Philly wage tax 3.75% on ALL earned income from dollar one
Take-home per paycheck (biweekly)
$2,283.65
Gross pay (annual)$80,000
Deductions (annual)
Federal income taxโˆ’$9,049
PA state tax (3.07%)โˆ’$2,456
Philly wage tax (3.75% resident)โˆ’$3,000
Social Security (6.2%)โˆ’$4,960
Medicare (1.45%)โˆ’$1,160
Summary
Annual take-home$59,375
Effective total tax rate25.8%
Combined PA + Philly rate6.82% from first dollar
You keep per dollar74 cents
Philadelphia wage tax (3.75% resident) adds $3,000 annually ($115 per paycheck) on top of the 3.07% PA state tax. Combined 6.82% from dollar one.
Calculate for other states
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Philadelphia Paycheck Calculator 2026 ยท Updated April 2026

How to Use This Calculator

Tab "Take-Home Pay"

Enter your gross annual salary, pay frequency, and filing status. Choose whether you are a Philadelphia resident (3.75% wage tax) or a non-resident commuter (3.44% wage tax). The calculator computes federal income tax (2026 brackets), Pennsylvania's flat 3.07% state tax, Philadelphia wage tax, and FICA (Social Security + Medicare). Under "More options," add 401(k) and health insurance pre-tax deductions.

Tab "Tax Breakdown"

See a visual pie chart showing exactly where your salary goes: federal tax, PA state tax, Philadelphia wage tax, Social Security, Medicare, and your take-home pay. The combined PA state + Philly resident rate is 6.82% from the very first dollar with no deductions or exemptions.

Tab "Resident vs Commuter"

Compare take-home pay between a Philadelphia resident (3.75% wage tax) and a non-resident commuter working in Philly (3.44%). The 0.31% difference means living just outside city limits in Camden County NJ, Delaware County PA, or Montgomery County PA saves real money each year.

The Formulas

Federal Income Tax (2026 Progressive Brackets):
1. Taxable income = Gross salary - Pre-tax deductions - Standard deduction
2. Apply progressive brackets: 10% to 37% based on filing status
3. Single std deduction: $15,750 | MFJ: $31,500 | HoH: $23,500

Pennsylvania State Tax:
PA Tax = Gross income x 3.07%
No standard deduction. No personal exemption. Tax from dollar one.

Philadelphia Wage Tax:
Resident rate: 3.75% x Gross earned income (from dollar one, no exemptions)
Non-resident rate: 3.44% x Gross earned income (from dollar one, no exemptions)
Combined PA + Philly resident = 6.82% | Combined PA + Philly non-resident = 6.51%

FICA (Federal Insurance Contributions Act):
Social Security = 6.2% x min(Wages, $184,500)
Medicare = 1.45% x Wages
Additional Medicare = 0.9% x max(0, Wages - $200,000)

All figures use 2026 IRS rates: SS wage base $184,500 (SSA), federal brackets from Rev. Proc. 2025-32. PA rate per 72 P.S. section 7302. Philadelphia wage tax rates per City of Philadelphia Revenue Department.

Example

Maya - Marketing Manager in Center City Philadelphia

Filing Single. $80,000/year. Philadelphia resident. No pre-tax deductions.

Gross pay (annual)$80,000
Federal income tax-$9,049
PA state tax (3.07%)-$2,456
Philly wage tax (3.75%)-$3,000
Social Security (6.2%)-$4,960
Medicare (1.45%)-$1,160
Annual take-home$59,375

Maya keeps about 74.2% of her gross pay. Her effective total tax rate is 25.8%. If Maya moved to Cherry Hill, NJ and commuted to Philly, her wage tax would drop to 3.44% ($2,752), saving her $248/year. Her take-home would rise to approximately $59,623.

Frequently Asked Questions

Philadelphia residents pay a 3.75% wage tax on all earned income from dollar one. Non-residents who work in the city pay 3.44%. There are no exemptions, no standard deduction, and no income threshold. Combined with Pennsylvania's flat 3.07% state tax, a Philadelphia resident pays 6.82% in state and local income tax before federal taxes even kick in. This is one of the highest combined state-and-local flat rates in the country.
Residents pay 3.75% and non-residents pay 3.44%, a difference of 0.31 percentage points. On an $80,000 salary, that equals $248 per year. While the dollar amount seems modest, over a career it compounds. Residents are taxed on all earned income regardless of where they work, while non-residents are only taxed on income earned while physically working within city limits. If you work remotely from the suburbs for a Philly-based employer, you may be able to avoid the non-resident tax on those remote days.
The Philly wage tax applies to gross earned income including wages, salaries, commissions, tips, bonuses, and net profits from self-employment. It does NOT apply to investment income (dividends, capital gains, interest), Social Security benefits, pensions, retirement distributions, rental income, or other unearned income. This is why it is called a "wage" tax specifically, not a general income tax.
If you work in Philadelphia, you will still pay the 3.44% non-resident wage tax. But you save the 0.31% difference compared to the resident rate. On $80K that is $248/year. However, if your employer is located outside Philadelphia and you can work entirely from outside city limits, you may avoid the Philly wage tax altogether. Popular suburban alternatives include Cherry Hill (NJ), Media (Delaware County PA), and King of Prussia (Montgomery County PA).
New York City imposes a progressive income tax of 3.078% to 3.876% on residents, plus New York State tax of 4% to 10.9%. Philadelphia's 3.75% flat wage tax is comparable to NYC's top city rate, but PA's state tax (3.07%) is much lower than NY State tax. At $80K, a Philly resident pays about 6.82% combined state-and-city vs roughly 9.5% in NYC. Philadelphia is significantly cheaper for high earners, but NYC does offer more deductions and exemptions.

Related Calculators

🏛️ Pennsylvania Paycheck Calculator
PA state paycheck calculator with local EIT for non-Philly municipalities.
🛒 Pennsylvania Sales Tax Calculator
PA 6% sales tax plus local rates for Philly (8%) and Allegheny (7%).
🏠 Pennsylvania Property Tax Calculator
Property tax rates by PA county including Philadelphia.
🌉 New Jersey Paycheck Calculator
Compare NJ take-home pay if you commute from across the river.

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