Texas Paycheck Calculator
Estimate your take-home pay in Texas, where there's no state income tax.
Your paycheck only reflects federal tax, Social Security, and Medicare deductions, whether you're paid hourly or on salary.
Paycheck Details
Enter your income and tax information
e.g. 25.00
Your Form W‑4
Optional. Skip this and you'll get the withholding for a W‑4 with nothing claimed on it.
Tick this if you checked the box in Step 2(c). It withholds at the household's real marginal rate instead of treating this job as your only income.
The dollar total from Step 3, not a number of people — typically $2,200 per qualifying child and $500 per other dependent.
Interest, dividends or retirement income with no withholding of its own.
Only deductions beyond the standard deduction, from the Step 4(b) worksheet.
An extra dollar amount held from each paycheck, on top of the tax above.
Estimated net pay
Your estimate will appear here
Enter your pay details and click calculate to see your estimated take-home pay, tax breakdown, and annual income.
Quick Answer
Texas has no state income tax, so this calculator estimates your take-home pay using only federal income tax, Social Security (6.2%), and Medicare (1.45%), plus any deductions you enter. Most Texas workers keep a larger share of gross pay than workers in states with income tax.
This calculator provides estimates for informational purposes only. Actual paycheck amounts may vary based on your employer, benefits, local taxes, filing status, and tax elections.
Federal withholding calculation updated September 2026 using IRS Publication 15-T (2026).
A note on total tax burden: This calculator's $0 state tax line is completely accurate for Texas, and unlike Washington, Texas also has no state-mandated long-term care premium (WA Cares) or paid family leave premium taken out of paychecks. But "no income tax" and "no state-mandated payroll deductions" isn't the same as "low overall taxes." Texas leans hard on property tax to fund schools and local government. A bigger paycheck can still mean a bigger annual tax bill once you own a home.
How It Works: Formula & Variables
Net Pay = Gross Pay − Federal Tax − Social Security − Medicare − Other Deductions
- Gross Pay
- Your total earnings before any deductions, hourly rate times hours, or annual salary divided by pay periods.
- Federal Tax
- Calculated using progressive tax brackets based on your filing status and taxable income.
- State Tax
- $0. Texas does not collect state income tax on wages.
- Social Security
- 6.2% of gross pay, up to the annual wage base limit.
- Medicare
- 1.45% of gross pay, with no wage limit (plus 0.9% surtax above certain thresholds).
Worked Examples
Example 1: Hourly worker in Houston
Maria works 40 hours a week at $22.00 an hour. Her gross weekly pay is $880.00. After federal income tax ($63.68), Social Security ($54.56), and Medicare ($12.76), her estimated take-home pay lands at $749.00 a week, about 85.1% of her gross pay. There's no state tax line to subtract.
Example 2: Salaried employee in Austin
David earns $75,000 a year, paid biweekly ($2,884.62 gross per paycheck), filing as Single. After federal tax ($295.00), Social Security ($178.85), and Medicare ($41.83), his estimated take-home pay comes out to $2,368.94 per paycheck, about 82.1% of his gross pay. A worker with the same salary in a state with income tax would keep less.
Example 3: Married couple in San Antonio
Casey and Jordan file Married Filing Jointly with a combined salary of $110,000 a year, paid biweekly ($4,230.77 gross per paycheck). Filing jointly gives them a bigger federal standard deduction, which lowers their federal taxable income. With no state tax and no payroll premiums like Washington's WA Cares or PFML to subtract, their estimated take-home pay after federal tax, Social Security, and Medicare comes out to $3,567.12 per paycheck, about 84.3% of gross pay. Property tax on a home in the San Antonio area would still be a separate, often sizable, annual cost outside this paycheck math.
Key Concepts
No state income tax: Texas is one of nine states that doesn't tax wages at the state level, alongside Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Washington, and Wyoming.
Written into the constitution: Since 2019, the Texas Constitution says the legislature may not tax the net incomes of individuals. That makes the no-income-tax status harder to reverse than in a state where it is only a matter of current law.
You still owe federal tax: Skipping state tax doesn't mean skipping taxes altogether. Federal income tax and FICA (Social Security and Medicare) still apply the same way they would anywhere else in the country.
Property tax carries more of the load: With no income tax, Texas school districts, cities, and counties lean hard on local property tax to fund services. Homeowners often notice this more than renters, but it factors into rent prices too.
No state payroll premiums either: Texas has neither an income tax nor state-mandated payroll premiums like Washington's WA Cares (long-term care) or Paid Family and Medical Leave. A Texas paycheck's only lines are federal tax, Social Security, and Medicare.
Useful for comparing job offers: If you're weighing a Texas offer against one in a state with income tax, run both through a paycheck calculator first. The gross salary numbers can look close while the take-home amounts differ by a few hundred dollars a paycheck.
Common Mistakes
Assuming no state tax means no tax: Federal income tax and FICA still come out of every paycheck in Texas. The savings only apply to the state line.
Comparing gross salaries across states: A $70,000 offer in Texas and a $70,000 offer in California don't translate to the same take-home pay. Always compare net pay, not gross.
Forgetting property tax when buying a home: Property tax can add up fast on a home, and it is a separate bill from your paycheck. Factor that into any Texas versus elsewhere comparison, not just the paycheck.
Assuming "no income tax" means "lowest total taxes": Texas's property and sales tax load can offset a meaningful chunk of the paycheck advantage, especially for homeowners, even with no state payroll premiums like Washington's WA Cares or PFML in the mix.
Ignoring pre-tax deductions: 401(k) contributions and health insurance premiums still lower your taxable income in Texas the same way they would anywhere else. Skipping these in your estimate makes it less accurate.
Frequently Asked Questions
No. Texas is one of nine states with no state income tax on wages, so your paycheck only has federal income tax, Social Security, and Medicare taken out, not a state withholding line.
Your Texas take-home pay depends on your gross income, filing status, and any pre-tax deductions, but since there's no state tax to subtract, Texas workers generally keep a higher percentage of their gross pay than workers in income-tax states at the same salary.
Federal income tax, Social Security (6.2% up to the annual wage base), and Medicare (1.45%, plus 0.9% more for high earners) are withheld. There's no state income tax line.
Because Texas doesn't charge state income tax, while California and New York both do. A worker earning the same salary in Texas keeps more of their gross pay after taxes than someone in a state with income tax, all else being equal.
Yes. Texas leans on property tax to fund schools and local government, and homeowners often feel it more than renters do. Combined state and local sales tax can run up to 8.25%. Businesses also pay a franchise tax, though that doesn't show up on a paycheck.
No. Texas doesn't require a state-run long-term care premium or a state paid family and medical leave premium the way Washington does. A Texas paycheck has no state-mandated payroll line beyond federal tax, Social Security, and Medicare, unless an employer voluntarily offers a similar benefit.
Not necessarily. Texas makes up the difference through property tax, which falls mainly on homeowners, plus sales tax up to 8.25% combined. A bigger paycheck doesn't automatically mean a smaller total tax bill once housing and spending are factored in, especially for homeowners.
Under the Texas Payday Law, employees who are exempt from federal overtime must be paid at least once a month, and everyone else at least twice a month. Within those limits the employer picks the paydays. If an employer sets none, the paydays are the 1st and 15th of each month. Your pay frequency matters here because this calculator splits your annual pay across the number of paychecks you choose.
If you are laid off or fired, your final pay is due within six calendar days of your last day. If you quit, it is due on the next regular payday. Unused vacation, holiday or sick pay only has to be paid out if your employer's written policy or agreement says so. If wages are missing, you have 180 days from the date they were due to file a wage claim with the Texas Workforce Commission.
Not by an ordinary vote of the legislature. Article VIII, Section 24-a of the Texas Constitution, added by voters on 5 November 2019, says the legislature may not impose a tax on the net incomes of individuals. Bringing one back would first take another constitutional amendment, which Texas voters would have to approve.
Yes, switch between the Hourly and Salary tabs and enter your wage or annual salary along with your pay frequency. The state is already set to Texas.
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Florida Paycheck Calculator
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Washington Paycheck Calculator
Washington also has no state income tax.
California Paycheck Calculator
See how California state tax affects take-home pay.
Paycheck Calculators by State
Find your state and compare tax rates nationwide.
Compare Take-Home Pay by State
Put two or three states side by side, including city and county tax.
Sources and assumptions
- Pay frequency and final pay: Texas Workforce Commission, Texas Payday Law. Checked 19 October 2026.
- No individual income tax: Texas Constitution, Article VIII, Section 24-a: “The legislature may not impose a tax on the net incomes of individuals.” Added 5 November 2019. Checked 19 October 2026.
- Sales tax: Texas Comptroller of Public Accounts: a 6.25% state rate, with local taxing jurisdictions adding up to 2% for a maximum combined rate of 8.25%. Checked 19 October 2026.
- Assumptions: wages only, a default W-4 unless you enter otherwise, and no state or local income tax, because Texas has neither.