City paycheck calculator

Upper Darby Paycheck Calculator (2026)

Enter your annual salary below to see your Upper Darby take-home pay after federal, state, FICA, and city/local taxes for 2026.

Income

Annual Gross Salary

$

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Tax Profile

Filing Status

State

City / Local Tax26 options

This city publishes a cap on its resident credit but not the credit percentage itself, so we do not estimate a work-elsewhere scenario for its residents. The figure below assumes you also work here.

Pre-Tax Deductions

401(k) Contribution

0%

IRS limit: $24,500−$0

Age 50+ catch-up contribution (+$8,000)

HSA ContributionMax $4,400

$

Family coverage ($8,750 limit)

Federal DeductionItemize

Standard: $16,100

Post-Tax Deductions

Other DeductionsRoth IRA, health ins., etc.

$

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Type above or pick a quick salary to see your 2026 take-home pay instantly.

Quick answer

Yes, and it is new. Upper Darby began levying a 1% Earned Income Tax on 1 January 2026; residents paid no township EIT before that. At $85,000 single, an Upper Darby resident now takes home $65,168 after federal tax, FICA, Pennsylvania's flat state tax, and the new EIT line.

Upper Darby is the largest township in Delaware County and one of the most populous municipalities in Pennsylvania, sitting directly on Philadelphia's western border at the end of the Market-Frankford line. Its Earned Income Tax is the rarest thing in this calculator: a local tax that did not exist a year ago. The 1% EIT took effect on 1 January 2026, so a resident's 2026 pay stub carries a line their 2025 stub did not. Pennsylvania's Act 32 framework lets municipalities and school districts levy a combined EIT on resident earnings, and Upper Darby had been an outlier in not doing so. The change is small in rate terms and immediate in effect, and it lands on a township whose residents largely commute into Philadelphia, where the city wage tax already applies to work performed inside city limits. Pennsylvania has no employee-funded state disability programme, so the stub is short. At $85,000 single, federal tax is $9,870, Pennsylvania state tax $2,610, FICA $6,503, and the Upper Darby EIT $850, leaving $65,168.

$85,000 single filer take-home comparison

Upper Darby

$65,200

Pennsylvania (no city tax)

$66,000

Texas (no income tax)

$68,600

Upper Darby take-home is -$800 vs the state-only figure and -$3,500 vs the no-income-tax baseline.

Upper Darby local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable Income	Rate
$0+	1%

What this estimate includes

This calculator computes Upper Darby take-home pay using 2026 federal brackets after the standard deduction, FICA contributions (Social Security up to the annual wage base, Medicare on all wages, plus the Additional Medicare Tax above the filing-status threshold), Pennsylvania's state income tax schedule, the Upper Darby local income tax. It excludes employer-side payroll taxes, custom W-4 elections, supplemental-wage handling for bonuses or equity vesting, and income from sources other than W-2 wages. Per-city resident and non-resident rules are described in the prose above where they differ.

Upper Darby paycheck FAQ

When did Upper Darby's Earned Income Tax start?

It took effect on 1 January 2026 at 1%. Upper Darby residents had no township EIT before that date, so the line on a 2026 pay stub is genuinely new rather than a rate change. It is worth checking that your employer picked up the new PSD code.

I live in Upper Darby and work in Philadelphia. What do I pay?

Philadelphia's city wage tax applies to wages earned inside the city and is withheld at the source, and it is far larger than the Upper Darby EIT. Pennsylvania credits the Philadelphia wage tax against the resident EIT, so a Philadelphia commuter typically owes little or nothing further to Upper Darby.

What is the federal tax bill on $85,000 single in Upper Darby?

Federal income tax at $85,000 single is $9,870, in the 22% bracket after the standard deduction. Pennsylvania then applies its flat 3.07% state rate to compensation with no standard deduction, which is why the state line looks large relative to other states at this income.

Does a 401(k) contribution reduce the Upper Darby EIT?

No, and neither does it reduce Pennsylvania state tax. Pennsylvania taxes gross compensation and does not recognise a traditional 401(k) deferral, and the EIT follows the same base. A deferral cuts your federal bill at the 22% marginal rate and nothing else.

What changes for married filing jointly or head of household at $85,000?

Joint filers clear roughly $69,198, about $4,030 more than single. All of that comes from federal brackets: Pennsylvania's flat rate and the Upper Darby EIT apply the same rate to every filing status. Head of household lands near $68,090.

How does the Upper Darby EIT compare to Philadelphia's wage tax?

They are not close. Philadelphia's resident wage tax runs several times the Upper Darby EIT rate, which is why moving across the city line into Upper Darby is one of the larger local-tax savings available in the region for someone who also works outside Philadelphia.

How This Page Is Reviewed

The Upper Darby paycheck page is reviewed against primary federal, state, and city sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-07-14

Primary sources