Philadelphia Paycheck Calculator
Use this calculator to estimate your net pay per pay period, taking into account federal, state (Pennsylvania), and local (Philadelphia) taxes, as well as FICA deductions.
Estimated Paycheck Breakdown
Gross Pay per Period: $0.00
Total Pre-Tax Deductions: $0.00
Total Taxes Withheld: $0.00
- Federal Income Tax: $0.00
- Social Security Tax: $0.00
- Medicare Tax: $0.00
- PA State Income Tax: $0.00
- Philadelphia Wage Tax: $0.00
Total Post-Tax Deductions: $0.00
Net Pay per Period: $0.00
.calculator-container {
font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
max-width: 700px;
margin: 20px auto;
padding: 25px;
background: #f9f9f9;
border-radius: 10px;
box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
border: 1px solid #e0e0e0;
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.calculator-container h2 {
text-align: center;
color: #2c3e50;
margin-bottom: 20px;
font-size: 1.8em;
}
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color: #555;
line-height: 1.6;
margin-bottom: 15px;
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margin-bottom: 15px;
display: flex;
flex-direction: column;
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.calculator-form label {
margin-bottom: 8px;
font-weight: bold;
color: #34495e;
font-size: 0.95em;
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.calculator-form input[type="number"],
.calculator-form select {
padding: 10px 12px;
border: 1px solid #ccc;
border-radius: 5px;
font-size: 1em;
width: 100%;
box-sizing: border-box;
transition: border-color 0.3s ease;
}
.calculator-form input[type="number"]:focus,
.calculator-form select:focus {
border-color: #007bff;
outline: none;
box-shadow: 0 0 5px rgba(0, 123, 255, 0.2);
}
.calculator-form input[type="checkbox"] {
margin-top: 5px;
transform: scale(1.2);
margin-right: 8px;
}
.calculator-form button {
display: block;
width: 100%;
padding: 12px 20px;
background-color: #28a745;
color: white;
border: none;
border-radius: 5px;
font-size: 1.1em;
font-weight: bold;
cursor: pointer;
transition: background-color 0.3s ease, transform 0.2s ease;
margin-top: 20px;
}
.calculator-form button:hover {
background-color: #218838;
transform: translateY(-2px);
}
.calculator-results {
margin-top: 30px;
padding-top: 25px;
border-top: 1px solid #e0e0e0;
}
.calculator-results h3 {
color: #2c3e50;
margin-bottom: 15px;
font-size: 1.5em;
text-align: center;
}
.calculator-results p,
.calculator-results ul {
margin-bottom: 10px;
color: #333;
font-size: 1.05em;
}
.calculator-results ul {
list-style-type: none;
padding-left: 20px;
margin-top: 5px;
}
.calculator-results ul li {
margin-bottom: 5px;
color: #444;
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.calculator-results strong {
color: #2c3e50;
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.calculator-results span {
float: right;
font-weight: normal;
color: #000;
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.calculator-results .net-pay {
font-size: 1.3em;
font-weight: bold;
color: #007bff;
margin-top: 20px;
padding-top: 10px;
border-top: 1px dashed #ccc;
}
.calculator-results .net-pay span {
color: #007bff;
font-weight: bold;
}
@media (max-width: 600px) {
.calculator-container {
padding: 15px;
margin: 10px;
}
.calculator-form label {
font-size: 0.9em;
}
.calculator-form input[type="number"],
.calculator-form select,
.calculator-form button {
font-size: 0.95em;
padding: 10px;
}
.calculator-results p,
.calculator-results ul li {
font-size: 0.95em;
}
.calculator-results .net-pay {
font-size: 1.1em;
}
}
function calculatePaycheck() {
// Get input values
var grossPayPerPeriod = parseFloat(document.getElementById('grossPayPerPeriod').value);
var payFrequency = document.getElementById('payFrequency').value;
var federalFilingStatus = document.getElementById('federalFilingStatus').value;
var federalDependents = parseInt(document.getElementById('federalDependents').value);
var preTaxDeductions = parseFloat(document.getElementById('preTaxDeductions').value);
var postTaxDeductions = parseFloat(document.getElementById('postTaxDeductions').value);
var isPhillyResident = document.getElementById('isPhillyResident').checked;
var additionalFederalWithholding = parseFloat(document.getElementById('additionalFederalWithholding').value);
var additionalPAWithholding = parseFloat(document.getElementById('additionalPAWithholding').value);
var additionalPhillyWithholding = parseFloat(document.getElementById('additionalPhillyWithholding').value);
// Validate inputs
if (isNaN(grossPayPerPeriod) || grossPayPerPeriod < 0) grossPayPerPeriod = 0;
if (isNaN(federalDependents) || federalDependents < 0) federalDependents = 0;
if (isNaN(preTaxDeductions) || preTaxDeductions < 0) preTaxDeductions = 0;
if (isNaN(postTaxDeductions) || postTaxDeductions < 0) postTaxDeductions = 0;
if (isNaN(additionalFederalWithholding) || additionalFederalWithholding < 0) additionalFederalWithholding = 0;
if (isNaN(additionalPAWithholding) || additionalPAWithholding < 0) additionalPAWithholding = 0;
if (isNaN(additionalPhillyWithholding) || additionalPhillyWithholding 578125) { annualFederalTax += (incomeToTax – 578125) * 0.37; incomeToTax = 578125; }
if (incomeToTax > 231250) { annualFederalTax += (incomeToTax – 231250) * 0.35; incomeToTax = 231250; }
if (incomeToTax > 182100) { annualFederalTax += (incomeToTax – 182100) * 0.32; incomeToTax = 182100; }
if (incomeToTax > 95375) { annualFederalTax += (incomeToTax – 95375) * 0.24; incomeToTax = 95375; }
if (incomeToTax > 44725) { annualFederalTax += (incomeToTax – 44725) * 0.22; incomeToTax = 44725; }
if (incomeToTax > 11000) { annualFederalTax += (incomeToTax – 11000) * 0.12; incomeToTax = 11000; }
if (incomeToTax > 0) { annualFederalTax += incomeToTax * 0.10; }
} else { // married
if (incomeToTax > 693750) { annualFederalTax += (incomeToTax – 693750) * 0.37; incomeToTax = 693750; }
if (incomeToTax > 462500) { annualFederalTax += (incomeToTax – 462500) * 0.35; incomeToTax = 462500; }
if (incomeToTax > 364200) { annualFederalTax += (incomeToTax – 364200) * 0.32; incomeToTax = 364200; }
if (incomeToTax > 190750) { annualFederalTax += (incomeToTax – 190750) * 0.24; incomeToTax = 190750; }
if (incomeToTax > 89450) { annualFederalTax += (incomeToTax – 89450) * 0.22; incomeToTax = 89450; }
if (incomeToTax > 22000) { annualFederalTax += (incomeToTax – 22000) * 0.12; incomeToTax = 22000; }
if (incomeToTax > 0) { annualFederalTax += incomeToTax * 0.10; }
}
// Child Tax Credit (2023)
var childTaxCredit = federalDependents * 2000;
annualFederalTax = Math.max(0, annualFederalTax – childTaxCredit);
// Add additional withholdings
annualFederalTax += annualAdditionalFederalWithholding;
annualPATax += annualAdditionalPAWithholding;
annualPhillyTax += annualAdditionalPhillyWithholding;
// — Total Annual Calculations —
var totalAnnualTaxes = annualFederalTax + annualTotalFICA + annualPATax + annualPhillyTax;
var totalAnnualDeductions = annualPreTaxDeductions + annualPostTaxDeductions;
var annualNetPay = annualGrossPay – totalAnnualTaxes – annualPostTaxDeductions;
// — Convert back to Per-Period —
var perPeriodFederalTax = annualFederalTax / payFrequencyMultiplier;
var perPeriodSocialSecurity = annualSocialSecurityTax / payFrequencyMultiplier;
var perPeriodMedicare = annualMedicareTax / payFrequencyMultiplier;
var perPeriodPATax = annualPATax / payFrequencyMultiplier;
var perPeriodPhillyTax = annualPhillyTax / payFrequencyMultiplier;
var perPeriodTotalTaxes = totalAnnualTaxes / payFrequencyMultiplier;
var perPeriodTotalPreTaxDeductions = annualPreTaxDeductions / payFrequencyMultiplier;
var perPeriodTotalPostTaxDeductions = annualPostTaxDeductions / payFrequencyMultiplier;
var perPeriodNetPay = annualNetPay / payFrequencyMultiplier;
// Display results
document.getElementById('outputGrossPay').textContent = '$' + grossPayPerPeriod.toFixed(2);
document.getElementById('outputPreTaxDeductions').textContent = '$' + perPeriodTotalPreTaxDeductions.toFixed(2);
document.getElementById('outputTotalTaxes').textContent = '$' + perPeriodTotalTaxes.toFixed(2);
document.getElementById('outputFederalTax').textContent = '$' + perPeriodFederalTax.toFixed(2);
document.getElementById('outputSocialSecurity').textContent = '$' + perPeriodSocialSecurity.toFixed(2);
document.getElementById('outputMedicare').textContent = '$' + perPeriodMedicare.toFixed(2);
document.getElementById('outputPATax').textContent = '$' + perPeriodPATax.toFixed(2);
document.getElementById('outputPhillyTax').textContent = '$' + perPeriodPhillyTax.toFixed(2);
document.getElementById('outputPostTaxDeductions').textContent = '$' + perPeriodTotalPostTaxDeductions.toFixed(2);
document.getElementById('outputNetPay').textContent = '$' + perPeriodNetPay.toFixed(2);
}
// Run calculation on page load with default values
window.onload = calculatePaycheck;
Understanding Your Philadelphia Paycheck
Navigating your paycheck can be complex, especially with various federal, state, and local taxes. This Philadelphia Paycheck Calculator is designed to help you estimate your take-home pay by breaking down the deductions specific to working and/or living in Philadelphia, Pennsylvania.
Key Components of Your Paycheck:
- Gross Pay: This is your total earnings before any deductions or taxes are taken out. It's the starting point for all calculations.
- Pre-Tax Deductions: These are deductions taken from your gross pay before taxes are calculated. Common examples include contributions to a 401(k) or traditional IRA, health insurance premiums, and some flexible spending accounts (FSAs). These deductions reduce your taxable income, potentially lowering your overall tax liability.
- Federal Income Tax: This is the tax levied by the U.S. government on your earnings. The amount withheld depends on your gross income, filing status (e.g., Single, Married Filing Jointly), and any dependents you claim (which can impact credits like the Child Tax Credit). The calculator uses standard deductions and progressive tax brackets for estimation.
- FICA Taxes (Social Security & Medicare):
- Social Security: Funds retirement, disability, and survivor benefits. Employees contribute 6.2% of their earnings up to an annual wage base limit ($160,200 for 2023).
- Medicare: Funds hospital insurance for the elderly and disabled. Employees contribute 1.45% of all earnings, with no wage base limit.
Your employer matches these contributions, so the total FICA tax is double the employee's portion.
- Pennsylvania State Income Tax: Pennsylvania has a flat income tax rate. For 2023, this rate is 3.07% of your gross income, with no standard deductions or personal exemptions.
- Philadelphia Wage Tax: This is a unique local tax for those who work in Philadelphia or live in Philadelphia and earn income. The rate depends on whether you are a resident of Philadelphia or a non-resident who commutes into the city for work.
- Philadelphia Residents: For 2023, the resident wage tax rate is 3.75%.
- Non-Residents Working in Philadelphia: For 2023, the non-resident wage tax rate is 3.44%.
This tax is applied to your gross wages.
- Post-Tax Deductions: These are deductions taken from your pay after taxes have been calculated and withheld. Examples include Roth 401(k) contributions, union dues, garnishments, or certain charitable contributions. These do not reduce your taxable income.
- Net Pay: This is your take-home pay – the amount you actually receive after all taxes and deductions have been subtracted from your gross pay.
How the Calculator Works:
Our calculator takes your gross pay per period and your pay frequency to determine your annual gross income. It then applies the relevant 2023 tax rates and limits for federal income tax (considering your filing status and dependents), FICA, Pennsylvania state income tax, and the Philadelphia wage tax. It also accounts for your pre-tax and post-tax deductions, as well as any additional withholding you specify, to provide an estimated net pay.
Example Calculation:
Let's consider an example:
- Gross Pay per Bi-Weekly Period: $2,500
- Pay Frequency: Bi-Weekly (26 pays/year)
- Federal Filing Status: Single
- Federal Dependents: 0
- Pre-Tax Deductions (Bi-Weekly): $150 (e.g., 401k)
- Post-Tax Deductions (Bi-Weekly): $25 (e.g., union dues)
- Philadelphia Resident: Yes
Annual Gross Pay: $2,500 * 26 = $65,000
Annual Pre-Tax Deductions: $150 * 26 = $3,900
Annual Taxable Income (Federal/State): $65,000 – $3,900 = $61,100
Estimated Annual Taxes:
- Social Security: $65,000 * 0.062 = $4,030.00
- Medicare: $65,000 * 0.0145 = $942.50
- PA State Tax: $65,000 * 0.0307 = $1,995.50
- Philadelphia Wage Tax (Resident): $65,000 * 0.0375 = $2,437.50
- Federal Income Tax (approx. for Single, $61,100 taxable after pre-tax deductions, $13,850 standard deduction):
- Taxable after standard deduction: $61,100 – $13,850 = $47,250
- 10% on $11,000 = $1,100
- 12% on ($44,725 – $11,000) = $33,725 * 0.12 = $4,047
- 22% on ($47,250 – $44,725) = $2,525 * 0.22 = $555.50
- Total Federal Income Tax: $1,100 + $4,047 + $555.50 = $5,702.50
Total Annual Taxes: $4,030 + $942.50 + $1,995.50 + $2,437.50 + $5,702.50 = $15,108.00
Total Annual Post-Tax Deductions: $25 * 26 = $650
Annual Net Pay: $65,000 – $15,108 – $650 = $49,242.00
Estimated Bi-Weekly Net Pay: $49,242.00 / 26 = $1,893.92
Disclaimer:
This calculator provides an estimate based on the 2023 tax laws and common deductions. It does not account for all possible tax situations, credits, or deductions (e.g., itemized deductions, other state/local taxes, specific retirement plan rules, or additional Medicare tax for high earners). For precise calculations and personalized financial advice, please consult a qualified tax professional or financial advisor.