Free Philadelphia Paycheck Calculator

The salary calculator will help you automatically calculate your annual salary, weekly salary, and also the number of hours you work per week, the frequency of payments, the taxes of the different states where you are located, in addition to showing you the salary breakdown, it will also provide you with charts to access, all you need to do is to fill out the calculator below to get your answer.

All-in-One Paycheck Calculator

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Used to calculate yearly salary if only hourly wage is given How often you receive your paycheck Used to apply state income tax (default flat rate per state) % of income contributed to retirement savings (optional) Health, dental, or other deductions

How We Ensure Your Calculations Are Accurate at HnKey

Verified Data:In order to ensure that the accuracy of our calculations is our main priority, our team frequently checks the tax information, and policies of the IRS to review our calculations in a timely manner.

Regularly Updated:It is important to note that these data, not our guesses, come from official sources such as the IRS and state tax offices.

Disclaimer: This tool is for estimation purposes only and does not constitute financial advice. Please consult a qualified professional for personalized financial guidance.

Understanding your paycheck in Philadelphia involves navigating federal, state, and local taxes, as well as other deductions that impact your take-home pay. This guide provides a clear overview of the taxes applied to wages in Philadelphia, how they are calculated, and key considerations to help you estimate your net income accurately.

Federal Income Tax

Federal income tax is withheld from your paycheck based on your earnings, filing status, and allowances claimed on your Form W-4. The Internal Revenue Service (IRS) uses a progressive tax system, meaning tax rates increase as your income rises. For 2025, tax brackets range from 10% to 37%, depending on your taxable income. To calculate federal tax, your employer uses IRS withholding tables, which factor in your wages, pay frequency, and W-4 details. You can review the IRS Publication 15-T for detailed withholding methods.

Social Security and Medicare Taxes

In addition to federal income tax, your paycheck includes deductions for Social Security and Medicare, collectively known as FICA taxes. Social Security tax is of your wages, up to a 2025 wage base limit of $176,100, as set by the Social Security Administration. Medicare tax is on all wages, with an additional for individuals earning over $200,000 (or $250,000 for married couples filing jointly). Employers match these contributions, but only the employee portion is withheld from your pay.

Pennsylvania State Income Tax

Pennsylvania levies a flat state income tax of on all taxable income, regardless of income level, as outlined by the Pennsylvania Department of Revenue. Unlike many states, Pennsylvania does not offer standard or itemized deductions, making the calculation straightforward: multiply your taxable income by Employers withhold this amount based on your gross wages, adjusted for any exemptions you claim.

Philadelphia Wage Tax

Philadelphia imposes a local wage tax, which applies to both residents and non-residents working in the city. For 2025, the wage tax rate is for residents and for non-residents, according to the City of Philadelphia’s Department of Revenue. The tax is calculated on your gross wages, with no deductions or exemptions. If you live in Philadelphia but work elsewhere, you may be eligible for a partial credit against the resident wage tax for taxes paid to another locality. Non-residents working in Philadelphia are subject to the lower rate but cannot claim credits.

Other Deductions

Beyond taxes, your paycheck may reflect additional deductions, such as contributions to retirement plans (e.g., 401(k)), health insurance premiums, or union dues. These amounts vary based on your elections and employer offerings. Pre-tax deductions, like 401(k) contributions or health savings account (HSA) payments, reduce your taxable income, potentially lowering your federal, state, and local tax liability.

How to Estimate Your Take-Home Pay

To calculate your net pay, start with your gross wages and subtract the following:

  • Federal income tax, based on IRS withholding tables and your W-
  • Social Security tax ( up to the wage cap).
  • Medicare tax ( plus if applicable).
  • Pennsylvania state income tax ( of taxable income).
  • Philadelphia wage tax ( for residents or for non-residents).
  • Any pre-tax deductions (e.g., 401(k), health premiums).
  • Post-tax deductions (e.g., union dues, garnishments).

For precise calculations, use a paycheck calculator tailored to Philadelphia’s tax rates, which accounts for your specific income, filing status, and deductions.

Important Considerations

  • Update Your W-4: Life changes, such as marriage or a new job, may require adjusting your W-4 to avoid under- or over-withholding.
  • Tax Credits: Philadelphia residents may qualify for credits like the Earned Income Tax Credit (EITC) or wage tax refunds if their income is below certain thresholds. Visit the City of Philadelphia’s tax credit page for eligibility details.
  • Commuters: If you work in Philadelphia but live outside the city, confirm your employer is withholding the non-resident wage tax rate (

By understanding these components, you can better anticipate your take-home pay and plan your finances effectively.

The above information is reviewed by our team of tax experts, all of them have an average of about 10 years of experience in the U.S. tax, if you have any questions, you can submit the form to us, our experts will be within 24 hours, reply to you.

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