Enter your gross annual salary and choose your filing status to estimate your take-home pay after federal, state, and local Philadelphia taxes.
Single
Married Filing Jointly
Married Filing Separately
Head of Household
Estimated Net Annual Income:
$0.00
This is an estimate. Consult a tax professional for exact figures.
Understanding Your Philadelphia Take-Home Pay
Calculating your net salary in Philadelphia involves understanding several layers of taxation. Beyond federal and state income taxes, Philadelphia imposes its own local income tax, making it crucial to factor this in for an accurate take-home pay estimate. This calculator provides an approximation based on common tax rules.
Key Taxes Affecting Philadelphia Residents:
Federal Income Tax: Based on your gross income, filing status, and the number of allowances you claim on your W-4 form. Tax brackets determine the progressive rate applied.
Pennsylvania State Income Tax: Pennsylvania has a flat income tax rate for all residents.
Philadelphia City Wage Tax: This is a local tax levied on wages earned by residents and non-residents working within Philadelphia. It's one of the most significant factors for Philadelphia earners.
Social Security and Medicare Taxes (FICA): These are federal taxes that fund social security and healthcare programs. They are a flat percentage of your gross income up to certain limits.
How the Calculator Works:
The Philadelphia Salary Calculator uses standard tax rates and formulas to estimate deductions. It accounts for:
Gross Annual Salary: The starting point for all calculations.
Federal Income Tax: Approximated using standard deduction amounts and tax brackets for the chosen filing status and allowances. Note: This is a simplified calculation and does not account for all potential deductions or credits.
FICA Taxes: Calculated at the standard rates for Social Security (6.2% up to a wage base limit) and Medicare (1.45% with no limit).
Pennsylvania State Income Tax: Applied at the current flat rate.
Philadelphia City Wage Tax: Applied at the current resident rate.
Tax Rates and Assumptions (as of recent data, subject to change):
Federal Income Tax: Uses 2023/2024 tax brackets and standard deduction amounts for the selected filing status.
FICA: Social Security: 6.2% on income up to $168,600 (for 2024). Medicare: 1.45% on all income.
Pennsylvania State Income Tax: Flat rate of 3.07%.
Philadelphia City Wage Tax: Resident rate of 3.72% (this can vary slightly based on earned income thresholds and non-resident rates if applicable).
Disclaimer:
This calculator is for informational purposes only and provides an estimated net income. Tax laws and rates are subject to change. Factors such as additional deductions, credits, retirement contributions (e.g., 401k), health insurance premiums, and other withholdings are not included in this simplified model. For precise tax calculations and advice, please consult with a qualified tax professional or refer to official IRS, Pennsylvania, and City of Philadelphia tax resources.
function calculatePhiladelphiaSalary() {
// Get input values
var annualSalary = parseFloat(document.getElementById("annualSalary").value);
var filingStatus = document.getElementById("filingStatus").value;
var allowances = parseInt(document.getElementById("allowances").value);
// Basic validation
if (isNaN(annualSalary) || annualSalary < 0) {
document.getElementById("result-display").textContent = "$–.–";
return;
}
if (isNaN(allowances) || allowances < 0) {
allowances = 0; // Default to 0 if invalid
}
// — Tax Rates and Constants (example values, verify current rates) —
var fica_social_security_rate = 0.062;
var fica_medicare_rate = 0.0145;
var social_security_wage_base_limit = 168600; // For 2024
var pa_state_tax_rate = 0.0307;
var philly_wage_tax_rate = 0.0372; // Resident rate
// — Federal Income Tax Calculation (Simplified) —
// This is a very basic approximation. Actual federal tax is complex.
// We'll use a simplified method to estimate based on allowances.
// In reality, you'd use tax brackets and standard deductions.
var estimatedFederalTaxableIncome = annualSalary – (allowances * 1000); // A very rough proxy for deductions
if (estimatedFederalTaxableIncome < 0) estimatedFederalTaxableIncome = 0;
// Simplified Federal Tax Brackets (Example for Single filer, 2023 – Adjust for current year)
var federalTax = 0;
if (filingStatus === "single") {
if (estimatedFederalTaxableIncome <= 11000) federalTax = estimatedFederalTaxableIncome * 0.10;
else if (estimatedFederalTaxableIncome <= 44725) federalTax = (11000 * 0.10) + ((estimatedFederalTaxableIncome – 11000) * 0.12);
else if (estimatedFederalTaxableIncome <= 95375) federalTax = (11000 * 0.10) + (33725 * 0.12) + ((estimatedFederalTaxableIncome – 44725) * 0.22);
else if (estimatedFederalTaxableIncome <= 182100) federalTax = (11000 * 0.10) + (33725 * 0.12) + (50650 * 0.22) + ((estimatedFederalTaxableIncome – 95375) * 0.24);
else if (estimatedFederalTaxableIncome <= 231250) federalTax = (11000 * 0.10) + (33725 * 0.12) + (50650 * 0.22) + (86725 * 0.24) + ((estimatedFederalTaxableIncome – 182100) * 0.32);
else if (estimatedFederalTaxableIncome <= 578125) federalTax = (11000 * 0.10) + (33725 * 0.12) + (50650 * 0.22) + (86725 * 0.24) + (49150 * 0.32) + ((estimatedFederalTaxableIncome – 231250) * 0.35);
else federalTax = (11000 * 0.10) + (33725 * 0.12) + (50650 * 0.22) + (86725 * 0.24) + (49150 * 0.32) + (346875 * 0.35) + ((estimatedFederalTaxableIncome – 578125) * 0.37);
} else if (filingStatus === "married_jointly") {
// Simplified Married Filing Jointly Brackets (Example for 2023)
if (estimatedFederalTaxableIncome <= 22000) federalTax = estimatedFederalTaxableIncome * 0.10;
else if (estimatedFederalTaxableIncome <= 89450) federalTax = (22000 * 0.10) + ((estimatedFederalTaxableIncome – 22000) * 0.12);
else if (estimatedFederalTaxableIncome <= 190750) federalTax = (22000 * 0.10) + (67450 * 0.12) + ((estimatedFederalTaxableIncome – 89450) * 0.22);
else if (estimatedFederalTaxableIncome <= 364200) federalTax = (22000 * 0.10) + (67450 * 0.12) + (101300 * 0.22) + ((estimatedFederalTaxableIncome – 190750) * 0.24);
else if (estimatedFederalTaxableIncome <= 462500) federalTax = (22000 * 0.10) + (67450 * 0.12) + (101300 * 0.22) + (173450 * 0.24) + ((estimatedFederalTaxableIncome – 364200) * 0.32);
else if (estimatedFederalTaxableIncome <= 693750) federalTax = (22000 * 0.10) + (67450 * 0.12) + (101300 * 0.22) + (173450 * 0.24) + (98300 * 0.32) + ((estimatedFederalTaxableIncome – 462500) * 0.35);
else federalTax = (22000 * 0.10) + (67450 * 0.12) + (101300 * 0.22) + (173450 * 0.24) + (98300 * 0.32) + (231250 * 0.35) + ((estimatedFederalTaxableIncome – 693750) * 0.37);
} else if (filingStatus === "married_separately") {
// Simplified Married Filing Separately Brackets (Example for 2023)
if (estimatedFederalTaxableIncome <= 11000) federalTax = estimatedFederalTaxableIncome * 0.10;
else if (estimatedFederalTaxableIncome <= 44725) federalTax = (11000 * 0.10) + ((estimatedFederalTaxableIncome – 11000) * 0.12);
else if (estimatedFederalTaxableIncome <= 95375) federalTax = (11000 * 0.10) + (33725 * 0.12) + ((estimatedFederalTaxableIncome – 44725) * 0.22);
else if (estimatedFederalTaxableIncome <= 182100) federalTax = (11000 * 0.10) + (33725 * 0.12) + (50650 * 0.22) + ((estimatedFederalTaxableIncome – 95375) * 0.24);
else if (estimatedFederalTaxableIncome <= 231250) federalTax = (11000 * 0.10) + (33725 * 0.12) + (50650 * 0.22) + (86725 * 0.24) + ((estimatedFederalTaxableIncome – 182100) * 0.32);
else if (estimatedFederalTaxableIncome <= 289062.5) federalTax = (11000 * 0.10) + (33725 * 0.12) + (50650 * 0.22) + (86725 * 0.24) + (49150 * 0.32) + ((estimatedFederalTaxableIncome – 231250) * 0.35);
else federalTax = (11000 * 0.10) + (33725 * 0.12) + (50650 * 0.22) + (86725 * 0.24) + (49150 * 0.32) + (57812.5 * 0.35) + ((estimatedFederalTaxableIncome – 289062.5) * 0.37);
} else if (filingStatus === "head_of_household") {
// Simplified Head of Household Brackets (Example for 2023)
if (estimatedFederalTaxableIncome <= 15700) federalTax = estimatedFederalTaxableIncome * 0.10;
else if (estimatedFederalTaxableIncome <= 63700) federalTax = (15700 * 0.10) + ((estimatedFederalTaxableIncome – 15700) * 0.12);
else if (estimatedFederalTaxableIncome <= 101550) federalTax = (15700 * 0.10) + (48000 * 0.12) + ((estimatedFederalTaxableIncome – 63700) * 0.22);
else if (estimatedFederalTaxableIncome <= 170050) federalTax = (15700 * 0.10) + (48000 * 0.12) + (37850 * 0.22) + ((estimatedFederalTaxableIncome – 101550) * 0.24);
else if (estimatedFederalTaxableIncome <= 215950) federalTax = (15700 * 0.10) + (48000 * 0.12) + (37850 * 0.22) + (68500 * 0.24) + ((estimatedFederalTaxableIncome – 170050) * 0.32);
else if (estimatedFederalTaxableIncome <= 578125) federalTax = (15700 * 0.10) + (48000 * 0.12) + (37850 * 0.22) + (68500 * 0.24) + (45900 * 0.32) + ((estimatedFederalTaxableIncome – 215950) * 0.35);
else federalTax = (15700 * 0.10) + (48000 * 0.12) + (37850 * 0.22) + (68500 * 0.24) + (45900 * 0.32) + (362175 * 0.35) + ((estimatedFederalTaxableIncome – 578125) * 0.37);
}
// — FICA Taxes —
var socialSecurityTax = 0;
if (annualSalary <= social_security_wage_base_limit) {
socialSecurityTax = annualSalary * fica_social_security_rate;
} else {
socialSecurityTax = social_security_wage_base_limit * fica_social_security_rate;
}
var medicareTax = annualSalary * fica_medicare_rate;
var ficaTotal = socialSecurityTax + medicareTax;
// — Pennsylvania State Tax —
var paStateTax = annualSalary * pa_state_tax_rate;
// — Philadelphia City Wage Tax —
var phillyWageTax = annualSalary * philly_wage_tax_rate;
// — Total Deductions —
var totalDeductions = federalTax + ficaTotal + paStateTax + phillyWageTax;
// — Net Salary —
var netSalary = annualSalary – totalDeductions;
if (netSalary < 0) netSalary = 0; // Ensure net salary is not negative
// Display the result, formatted as currency
document.getElementById("result-display").textContent = "$" + netSalary.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}
// Initial calculation on load (optional, can pre-fill with defaults)
document.addEventListener('DOMContentLoaded', function() {
calculatePhiladelphiaSalary();
});