Federal + State + FICA
Philadelphia Income Tax Calculator – Free Tool
Estimate federal, state, and local income tax for any US location. Enter a ZIP code to see your state on the map and get accurate state and local tax (e.g. NYC).
Your financial details
Enter a ZIP code to highlight your state
Tax estimate
Your results will appear here after you run the calculator.
What is the Philadelphia Tax Calculator?
A precision engine for Philly’s City Wage Tax, PA State Tax, and Federal tiers.
City Wage Tax
Calculates the mandatory Philadelphia tax based on current rates for both residents (~3.75%) and non-residents (~3.44%).
PA Flat Tax
Integrates the Pennsylvania state-level flat tax of 3.07%, which applies to all earned compensation without a standard deduction.
Federal Integration
Calculates all 7 federal progressive brackets (10% to 37%) to give you a complete picture of your total tax burden.
FICA Precision
Computes Social Security and Medicare withholdings accurately to provide your true Philadelphia net pay estimate.
NPT Module
Support for the Net Profits Tax (NPT) for Philadelphia-based freelancers and small business owners.
Reciprocity Rules
Accounts for the NJ-PA Reciprocal Agreement for residents working in Philly but living in South Jersey.
Yearly Calibration
Updated annually based on the latest Philadelphia Department of Revenue and PA DOR legislative changes.
Effective Rate
View the real percentage of your income that goes to City Hall, Harrisburg, and D.C. after all obligations.
Why Use Our Philadelphia Tax Tool?
Empowering residents from Center City to the suburbs with financial clarity.
City vs Suburb Cost
Understand the impact of the Wage Tax on your budget compared to living in Montgomery or Bucks County.
Commuter Strategy
Essential for non-residents to understand their tax liability when working within the Philadelphia city limits.
Real-Time Results
Skip the complex revenue worksheets. Get a professional-grade Philadelphia tax estimate in under a second.
Privacy Guaranteed
Your financial data stays on your device. All Philadelphia tax math is performed entirely within your browser.
Salary Negotiation
Before accepting a role at a Philly-based firm, see exactly what that gross offer nets you after the Wage Tax bite.
Eliminate Errors
Avoid manual mistakes on the PA-specific retirement contribution rules by using our pre-tested algorithms.
Free Education
Learn how local, state, and federal taxes overlap to impact your total long-term wealth growth in the city.
Verify Paystubs
Ensure your employer is withholding the correct resident or non-resident rate to avoid a surprise bill in April.
How to Lower Your Philadelphia Taxes?
Strategic ways to reduce your liability and grow your Philly wealth.
PA 529 Deduction
Pennsylvania allows a generous deduction of up to $18,000 per beneficiary for contributions to any 529 plan.
Tax Forgiveness
Low-income families living in Philadelphia should utilize PA Schedule SP to potentially eliminate state tax entirely.
Federal Pre-Tax
Maximize 401(k) contributions to lower your federal Adjusted Gross Income, reducing your primary federal tax burden.
HSA Contributions
Pennsylvania and Philadelphia recognize the tax-exempt status of HSAs, reducing your taxable income dollar-for-dollar.
Social Security Benefit
Good news: Both Pennsylvania and Philadelphia do not tax Social Security benefits for retirees.
UEP Rebate
Check eligibility for the Philadelphia Wage Tax refund if you are a low-income worker or work part-time outside the city.
Business Write-offs
For Philly freelancers, ensure every unreimbursed business expense is tracked to lower your net profit before tax hits.
Professional Review
Use our calculator to gather your data, then consult a CPA to find high-level local tax sheltering strategies.
