Pennsylvania charges 3.07% flat + local state income tax plus local taxes in some areas. Use the retirement withdrawal calculator pre-loaded with Pennsylvania rates.
Open Retirement Withdrawal Calculator →Retirement distributions in Pennsylvania are generally subject to the flat 3.07% state income tax, though some states exempt Social Security or a portion of pension income. Traditional IRA and 401(k) withdrawals are taxed as ordinary income at both the federal and Pennsylvania state level. Certain Pennsylvania localities also tax retirement income. Understanding the combined federal and state tax on withdrawals is essential for retirement planning. This calculator models your after-tax income from retirement accounts with Pennsylvania's specific rates applied.
Pennsylvania levies a flat 3.07% state income tax on all taxable income regardless of how much you earn. This makes tax planning straightforward: for every additional dollar you earn, 3.07 cents goes to Pennsylvania. However, certain localities in Pennsylvania impose their own income taxes, which effectively raise the combined state and local rate above 3.07%. Be sure to check whether your city or county adds a local income tax.
The table below shows what you actually keep at five salary levels in Pennsylvania, accounting for federal tax, FICA, and Pennsylvania's flat 3.07% state tax plus estimated local taxes.
See how Pennsylvania compares to other Northeast states. Each link takes you to the retirement withdrawal calculator landing page for that state.
For a comprehensive breakdown of Pennsylvania’s tax structure, salary comparisons, cost-of-living analysis, and more, visit the full Pennsylvania take-home pay page.