Pennsylvania income tax calculator
Estimate your 2026 Pennsylvania and federal income tax and whether you will get a refund. A single filer earning $75,000 owes about $2,303 in Pennsylvania income tax and $7,676 in federal income tax.
By John Crane, MBA & the Editorial Team · Updated for the 2026 tax year. How we check our numbers
Estimated federal amount owed
$876.00
Federal tax $9,876 · Pennsylvania owed $2,610
| Federal tax | $9,876 | 11.6% |
|---|---|---|
| Pennsylvania and local tax | $2,610 | 3.1% |
| Income after these taxes | $72,515 | 85.3% |
- Adjusted gross income
- $85,000
- Taxable income
- $68,900
- Deduction used
- Standard $16,100
- Federal bracket
- 22%
- Effective federal rate
- 11.6%
- PA tax after credits
- $2,610
Where your federal tax comes from
Ordinary income by bracketFederal return summary
Form 1040, 2026| Line | Amount |
|---|---|
| Total income | $85,000.00 |
| Adjustments | -$0.00 |
| Adjusted gross income | $85,000.00 |
| Standard deduction | -$16,100.00 |
| Taxable income | $68,900.00 |
| Income tax | $9,876.00 |
| Total federal tax | $9,876.00 |
| Withholding and estimated payments | $9,000.00 |
| Federal amount owed | $876.00 |
Pennsylvania return
2026 rules| Line | Amount |
|---|---|
| State taxable income | $85,000.00 |
| Tax before credits | $2,609.50 |
| State tax after credits | $2,609.50 |
| State withheld | $0.00 |
| State amount owed | $2,609.50 |
- Flat 3.07% is statutory; local earned income tax is not included and Tax Forgiveness uses taxable income as eligibility income.
- Local earned income tax (and the Philadelphia wage tax) is filed separately and is not included here; the paycheck calculator shows local tax.
Income tax in Pennsylvania
- Pennsylvania taxes income at a flat 3.07% and does not start from federal AGI: it adds up eight classes of income, and a loss in one class cannot offset another.
- There is no standard deduction or personal exemption; employee 401(k) deferrals are taxed as wages, while Social Security and retirement distributions received after retirement are not taxed.
- Tax Forgiveness reduces or eliminates tax for low-income households, and the new Working Pennsylvanians Tax Credit refunds 10% of the federal EITC.
- Municipalities and school districts also levy a local earned income tax, and Philadelphia has its own wage tax; both are filed separately from the state return.
2026 income tax at common incomes (wages only, standard deduction)
| Income | Federal tax, single | Pennsylvania tax, single | Pennsylvania rate, single | Pennsylvania tax, married |
|---|---|---|---|---|
| $40,000 | $2,623 | $1,228 | 3.1% | $1,228 |
| $60,000 | $5,023 | $1,842 | 3.1% | $1,842 |
| $75,000 | $7,676 | $2,303 | 3.1% | $2,303 |
| $100,000 | $13,176 | $3,070 | 3.1% | $3,070 |
| $150,000 | $24,734 | $4,605 | 3.1% | $4,605 |
Rates
Top rate 3.07%. At $75,000 of wages, each extra $1,000 adds about $31 of Pennsylvania tax.
Family example
A married couple earning $60,000 with two children and $4,000 of child care: Pennsylvania tax of $1,842 before credits, credits of Working Pennsylvanians Tax Credit ($124), Child and dependent care credit ($600), for $1,118 owed.
Local income tax
None figured on the Pennsylvania return.
Examples assume wages only, the standard deduction and no other income. See what comes out of each check in the Pennsylvania paycheck calculator.
More for Pennsylvania: Pennsylvania paycheck calculator · Pennsylvania mortgage calculator · Pennsylvania home affordability calculator
Income tax calculators for other states
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How this is calculated
Federal return
The 2026 Form 1040: standard or itemized deduction, the new Schedule 1-A deductions, tax rates, child tax credit, child and dependent care credit and EITC.
Pennsylvania
Pennsylvania's 2026 resident return: its starting point, Social Security and retirement adjustments, deductions, exemptions, rates and main credits.
Sources
Official Pennsylvania tax guidance (3 sources), checked for 2026. Flat 3.07% is statutory; local earned income tax is not included and Tax Forgiveness uses taxable income as eligibility income.
Sources
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Questions
How much Pennsylvania income tax do I pay on $75,000?
About $2,303 for a single filer with only wage income and the standard deduction (3.1% of income), or $2,303 for a married couple filing jointly on the same income. Federal income tax on $75,000 for a single filer is about $7,676.
What is Pennsylvania's top income tax rate in 2026?
3.07% on the highest incomes. At $75,000 of wages, each extra $1,000 adds about $31 of Pennsylvania tax.
Does Pennsylvania tax Social Security and retirement income?
A single retiree aged 67 with $30,000 of Social Security and $30,000 of pension or IRA withdrawals owes no Pennsylvania income tax in 2026 once the state's exclusions, deductions and rates are applied.