Localized paycheck calculator
Texas Paycheck Calculator
Estimate your take-home pay as a Texas employee. Texas has no state income tax, so your paycheck deductions come down to federal withholding and FICA — this tool shows exactly what's taken out and why.
No Texas state income tax- No Upload: pay data never leaves your browser
- Free: $0, no account, no sign-up
- Privacy: your inputs are never stored or sent; they vanish on refresh
- Modes: 4 pay frequencies × 3 filing statuses
Last updated: October 2026
Enter your pay details
Estimates use 2026 federal tax brackets and standard FICA rates. This is a planning estimate, not a substitute for your actual pay stub or a tax professional.
Compare other states
Paycheck deductions vary meaningfully by state. See how take-home pay compares elsewhere:
Frequently asked questions
Does Texas have a state income tax?
No. Texas has no state income tax, so only federal withholding, Social Security and Medicare are deducted.
Which pay frequencies are supported?
Weekly (52), biweekly (26), semi-monthly (24) and monthly (12) paychecks.
Is my salary uploaded?
No. All calculations run in your browser; no account is required.
In depth
What comes out of a Texas paycheck
Texas does not tax wage income, so a Texas paycheck has fewer lines than one from California or New York. The deductions that remain are the same federal ones every U.S. worker pays. This section explains each line in the calculator above and the 2026 numbers it uses.
The four lines on a typical Texas pay stub
- Federal income tax withholding. The calculator annualizes your pay, subtracts pre-tax deductions and the 2026 standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household), applies the 2026 brackets, then divides by your number of paychecks.
- Social Security. 6.2% of wages, up to the 2026 wage base of $184,500. Above that, this line stops for the rest of the year.
- Medicare. 1.45% of all wages. Employers must also withhold an extra 0.9% once your wages pass $200,000 in the year; the calculator does not model that surcharge.
- Your own deductions. 401(k) contributions, health, dental and vision premiums, and anything else you elected.
Worked example: $2,500 biweekly, single
Annual gross is $2,500 × 26 = $65,000. With $200 of pre-tax deductions per paycheck ($5,200 a year), income left for federal tax is $59,800; after the standard deduction, taxable income is $43,700. Federal income tax on that is $1,240 + (43,700 − 12,400) × 12% = $4,996 a year, or about $192 per paycheck. Social Security and Medicare are about $143 and $33 per paycheck. Estimated net pay is therefore close to $1,931 per paycheck. Because Texas adds $0 in state income tax, the same paycheck in a state with a 5% flat rate would be roughly $115 smaller.
Texas vs. other states
Texas is one of the states that do not tax wages, alongside Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Washington and Wyoming. Not having a state income tax doesn't mean costs are lower across the board: Texas relies more heavily on property and sales taxes, so a rent-or-buy or relocation decision should look at those too.
Why your stub may not match exactly
- Withholding follows your Form W-4 and IRS withholding tables, which can differ from a bracket estimate, especially if you claimed dependents or extra withholding.
- Some benefits, such as Roth 401(k) contributions, are taken after tax and do not reduce federal income tax.
- Bonuses are often withheld at a flat supplemental rate rather than through your normal brackets.
To check whether your withholding is on track for the year, use the IRS Tax Withholding Estimator.
Sources
- IRS: tax inflation adjustments for tax year 2026 (Rev. Proc. 2025-32)
- SSA: Contribution and benefit base
- IRS Topic 751: Social Security and Medicare withholding rates
- IRS Tax Withholding Estimator
Figures checked October 2026. Tax rules change; confirm with the linked official pages before filing or signing anything.