Estimate your Philadelphia take-home pay for 2026 — including federal tax, FICA, Pennsylvania state tax, and the Philadelphia wage tax. The calculator below is pre-set to Philadelphia.
Your estimated take-home pay
$1,780.92/ paycheck
$46,304 per year · 22.8% effective tax rate
Estimate based on 2026 tax data and standard withholding. Your real paycheck can differ with local taxes, benefits, and W-4 settings.
On a $60,000 salary, a single filer in Philadelphia takes home roughly $46,304 a year — about $1,781 per bi-weekly paycheck — after federal tax, Social Security, Medicare, Pennsylvania state income tax, and the Philadelphia wage tax. That local tax alone costs around $2,244 a year compared with living elsewhere in Pennsylvania. Adjust the inputs above for your own pay, filing status, and deductions.
Philadelphia levies a flat Wage Tax on the gross compensation of everyone who lives in the city (and on non-residents who work there). The 2026 resident rate is 3.74%. Unlike state and federal income tax, the Wage Tax applies to your gross pay with no standard deduction — and 401(k) contributions are not exempt — so it hits nearly every dollar you earn.
3.74%
flat rate on your gross pay — no standard deduction, and 401(k) contributions are not exempt.
Source: City of Philadelphia Department of Revenue, Wage Tax rates effective July 1, 2025 (3.74% resident).
Pennsylvania has a flat 3.07% income tax on gross compensation with no standard deduction — and, unusually, it taxes your 401(k) contributions. Most workers also pay a local Earned Income Tax of around 1% (much higher in Philadelphia).
| Taxable income (single filer) | Rate |
|---|---|
| All taxable income | 3.07% |
If you don't live in Philadelphia, you skip the Philadelphia local tax. Use the Pennsylvania paycheck calculator for the state-only estimate.
A single filer earning $60,000 in Philadelphia takes home about $46,304 per year ($1,781 per bi-weekly paycheck) after federal income tax, FICA, Pennsylvania state tax, and Philadelphia wage tax. That's an effective tax rate of about 22.8%.
Philadelphia residents pay a 3.74% Wage Tax on gross pay (non-residents who work in the city pay 3.43%). On a $60,000 salary, that works out to roughly $2,244 a year in extra Philadelphia tax versus living elsewhere in Pennsylvania.
Yes — Philadelphia's Wage Tax applies to non-residents who work in the city too, at a slightly lower rate (3.43% vs 3.74% for residents). This calculator estimates the resident rate.
State income tax is where take-home pay really differs. Pick your state for a calculator pre-set to its 2026 tax rules.
