Free 2025 Philadelphia Paycheck Calculator – Fast & Accurate Net Pay Estimator

The Philadelphia Paycheck Calculator helps you determine your actual take-home pay after taxes if you live or work in Philadelphia, Pennsylvania. It factors in federal taxes, Pennsylvania state income tax (3.07%), Philadelphia city wage tax, Social Security, and Medicare. Whether you’re a Philly resident or commuting into the city for work, this calculator gives you a quick and accurate view of your net pay.

Because Philadelphia imposes one of the highest local wage taxes in the country, it’s important to understand how city residency and work location affect your paycheck. This Philadelphia paycheck calculator helps you see exactly what you’ll take home—so you can budget wisely, evaluate job offers, or plan savings more confidently.

How the Calculator Works

This calculator estimates your take-home pay by subtracting various taxes and deductions from your gross pay. The logic varies depending on whether you’re a resident or non-resident of Philadelphia and how much of your work is performed in the city. Instead of guessing your earnings, rely on the City Paycheck Calculator for clarity.

Core Formula:

Net Pay = Gross Pay – (Federal Tax + PA State Tax + Philadelphia Wage Tax + FICA + Pre-Tax Deductions)

Input Fields Explained

• Gross Pay (per paycheck):
  Your total income before taxes and deductions for a single pay period.
• Pay Frequency:
  How often you’re paid. Options include weekly, bi-weekly (26), semi-monthly (24), or monthly (12). This determines your gross annual salary.
• Filing Status (Federal):
  Your tax filing status for federal taxes (e.g., Single, Married Filing Jointly). This affects your federal tax withholding.
• Philadelphia Residency:
  Choose from:
  • Resident of Philadelphia
  • Non-resident working in Philadelphia
  • Non-resident not working in Philadelphia
  This selection determines how the Philadelphia wage tax is applied.
• % of Work Performed in Philly:
  Enter the percentage of your work that is physically performed within Philadelphia city limits. If you work fully remotely or partially outside the city, this percentage impacts your city wage tax liability.
• Optional Deductions:
  You can expand this section to include:
  • Pre-tax deductions (e.g., 401(k), HSA)
  • Post-tax deductions
  • Dependents or additional withholdings

These values are used to customize the calculation to better reflect your personal payroll situation. For bonus income comparison, visit the Illinois bonus calculator to see net pay changes.

Example Calculation (Verification Section)

Let’s walk through an example to demonstrate how the Philadelphia Paycheck Calculator works:

• Gross Pay per Paycheck: $2,700
• Pay Frequency: Bi-weekly (26 pay periods)
• Filing Status: Single
• Philadelphia Residency: Resident of Philadelphia
• % of Work Performed in Philly: 100%
• Pre-tax Deductions: $100

Estimated Breakdown:

• Federal Income Tax: ~$265
• FICA (Social Security + Medicare): ~$206
• PA State Income Tax (3.07%): ~$83
• Philadelphia Wage Tax (approx. 3.84% for residents): ~$104
• Pre-tax Deductions: $100

Estimated Net Pay: ~$1,942

Interpretation:

Out of a $2,700 gross bi-weekly paycheck, the take-home pay would be approximately $1,942 after all required taxes and pre-tax deductions. This estimate helps users accurately forecast their spending and savings capacity. For those who receive payments every two weeks, try the California biweekly paycheck calculator for accurate figures.

Benefits of Using This Calculator

• Accurate for Philadelphia Tax Codes
  Includes PA state income tax and the unique Philadelphia wage tax based on your residency and work location.
• Supports Commuters & Remote Workers
  Adjusts calculations for people who work partially or fully outside city limits.
• Fast & Simple
  Instant results without needing to understand complex tax forms or calculations.
• Customizable
  Add pre-tax deductions and modify work percentages for more personalized results.
• Great for Job Planning & Financial Decisions
  Know what you’ll actually take home before you accept a job or make budget decisions. If your job includes overtime, check out the California overtime calculator to add extra hours.

Tips and Common Mistakes

• Be Honest About Work Location:
  Overstating your % of work outside Philly may understate your city tax—leading to tax surprises later.
• Include Pre-Tax Deductions:
  If you contribute to a 401(k) or HSA, these reduce your taxable income and affect your net pay.
• Choose the Right Pay Frequency:
  Make sure your pay schedule matches the one used by your employer (bi-weekly, semi-monthly, etc.).
• Don’t Forget City Wage Tax:
  Even non-residents working in Philadelphia owe city wage tax if they physically work in the city.
• Check Residency Carefully:
  If you live in Philadelphia but work elsewhere, you may still owe full city tax. Always check local rules. For savings planners, include deductions from the Michigan 401k calculator in your monthly estimate.

Common Questions / FAQs

Q1: Does this calculator include Philadelphia’s local wage tax?
Yes, it applies the correct local wage tax rate based on whether you are a resident or a non-resident working in the city.

Q2: What is the current Philadelphia wage tax rate?
As of 2025, the resident rate is approximately 3.84%, and the non-resident rate is about 3.45%. These rates are subject to change.

Q3: Do I pay Philadelphia wage tax if I work remotely from outside the city?
If you live and work outside Philadelphia, you generally don’t owe city wage tax. However, if any portion of your work is physically performed in the city, taxes may still apply.

Q4: Does the calculator factor in Pennsylvania state tax?
Yes. Pennsylvania’s flat income tax rate of 3.07% is included in the calculation.

Q5: Can I add deductions like health insurance or 401(k) contributions?
Yes. Expand the “Optional Deductions” section to include pre-tax items that affect your taxable income and net pay.

Conclusion

The Philadelphia Paycheck Calculator is the ideal tool for employees and contractors working in or around Philadelphia, PA. By accounting for federal, state, and local taxes—including the city’s wage tax—it provides an accurate snapshot of your net income. Whether you’re a Philly resident, a suburban commuter, or a remote worker splitting time between locations, this tool ensures you know exactly what you’ll take home.