Take-home pay, with the Wage Tax.
Take-home pay $2,172.64 per biweekly paycheck
per biweekly paycheck · single · Philadelphia · 2026 tables
- Gross / check
- $2,884.62
- Taxes / check
- $711.97
- Net / year
- $56,489
- Effective rate
- 24.7%
The stub, line by line
| Line item | Each paycheck | Per year |
|---|---|---|
| Gross pay | $2,884.62 | $75,000 |
| Federal income tax | −$295.00 | −$7,670 |
| Pennsylvania income tax | −$88.56 | −$2,303 |
| Philadelphia Wage Tax | −$107.74 | −$2,801 |
| Social Security | −$178.85 | −$4,650 |
| Medicare | −$41.83 | −$1,088 |
| Take-home pay | $2,172.64 | $56,489 |
Nonresidents who work in Philadelphia pay a lower 3.425% Wage Tax rate instead of the 3.735% resident rate, not computed here; this page models residents only.
How Philadelphia taxes a paycheck
Philadelphia charges its own Wage Tax on top of Pennsylvania's flat 3.07% state income tax, a resident rate of 3.735%, effective July 1, 2026, the latest step in a five-year rate cut approved by City Council. Unlike most income taxes, the Wage Tax applies to gross wages: there's no standard deduction, no personal exemption, and no bracket structure, and a traditional 401(k) deferral does not reduce it the way it reduces federal and state income tax.
Nonresidents who work in Philadelphia pay a lower 3.425% Wage Tax rate instead of the 3.735% resident rate, not computed here; this page models residents only.
Most other Pennsylvania municipalities instead levy a local Earned Income Tax (EIT), typically 1–2%, collected differently from Philadelphia's Wage Tax; this page models Philadelphia specifically.
Philadelphia paycheck questions, answered
- Does Philadelphia tax 401(k) contributions?
- Yes. The Wage Tax applies to gross wages: unlike federal income tax and Pennsylvania's own income tax, a traditional 401(k) deferral does not reduce it. Philadelphia also has no standard deduction or personal exemption, so the 3.735% rate applies to every dollar of resident wages.
- How much is $75,000 after taxes in Philadelphia?
- About $56,489 a year for a single filer with no 401(k), on 2026 tables: $7,670 federal income tax, $2,303 Pennsylvania income tax, $2,801 Philadelphia Wage Tax, and $5,738 FICA, an effective rate of 24.7%. The calculator above runs the same math on any salary.
- What is the Philadelphia Wage Tax rate for 2026?
- A flat 3.735% on gross wages for residents, effective July 1, 2026, the latest step of a five-year, City Council-approved rate cut. Nonresidents who work in Philadelphia but live elsewhere pay a lower 3.425% rate instead; this calculator models residents only.
- Does Pennsylvania also tax my paycheck separately?
- Yes. Pennsylvania charges its own flat 3.07% state income tax on top of the city Wage Tax; the two are separate taxes to separate governments and both appear on the stub above. Most other PA municipalities levy a smaller local earned income tax instead of Philadelphia's Wage Tax.
- Is this the exact amount my employer will withhold?
- No. It is a planning estimate on 2026 tables. Actual withholding follows your W-4 elections and benefit premiums, so individual paychecks can differ even when the year's total lands close. Nothing you type here leaves your browser.