Texas Paycheck Calculator
Find your exact take-home pay in Texas instantly. Since Texas charges $0 state income tax, your paycheck is calculated using only federal withholding, Social Security, and Medicare — see precisely how much that saves you.
💡 What If My Salary Changes?
Drag the slider to instantly see how a raise or pay cut affects your Texas take-home pay.
How Texas Paycheck Calculations Work
Texas is one of nine U.S. states with no state income tax, which means every dollar you’d normally lose to state withholding stays in your paycheck. Your Texas take-home pay is reduced only by three things: federal income tax (based on your filing status, income, and the 2026 IRS brackets), Social Security tax (a flat 6.2% up to the annual wage base), and Medicare tax (1.45%, plus an additional 0.9% on income above $200,000 for single filers).
What Texas Employees Should Know
- No state income tax — your gross-to-net gap is smaller than in most states.
- Federal withholding still applies — use your W-4 filing status and dependents to get an accurate estimate.
- 401(k) contributions are pre-tax — they lower your taxable income before federal tax is calculated.
- FICA taxes are mandatory — Social Security and Medicare apply regardless of state.
| Deduction | Rate | Applies To |
|---|---|---|
| Federal Income Tax | 10%–37% | Taxable income after deductions |
| Social Security | 6.2% | Income up to annual wage base |
| Medicare | 1.45% | All earned income |
| Additional Medicare | 0.9% | Income above $200,000 (single) |
| Texas State Tax | 0% | Not applicable |
Frequently Asked Questions
Does Texas have state income tax?
No. Texas is one of nine states that does not collect personal state income tax, so your paycheck deductions come only from federal tax and FICA contributions.
How accurate is this paycheck calculator?
This tool uses current federal tax brackets and FICA rates to provide a close estimate. Actual withholding may vary slightly based on your employer’s exact W-4 processing and any additional local deductions.
What percentage of my paycheck goes to taxes in Texas?
Most Texas employees lose roughly 15%–25% of gross pay to federal tax and FICA combined, depending on income level and filing status — significantly less than in states with income tax.
Do I still pay Social Security and Medicare in Texas?
Yes. These are federal payroll taxes (FICA) that apply in every U.S. state regardless of local tax laws.
How does a 401(k) affect my Texas take-home pay?
401(k) contributions are deducted before federal tax is calculated, which lowers your taxable income and slightly reduces your federal withholding while building retirement savings.
Is overtime taxed differently in Texas?
Overtime pay is taxed at the same federal rates as regular income; there is no separate “overtime tax,” though it may push you into a higher withholding bracket for that pay period.
What is the additional Medicare tax?
An extra 0.9% Medicare tax applies to wages above $200,000 for single filers ($250,000 married filing jointly), on top of the standard 1.45%.
How often are paychecks issued in Texas?
Texas employers commonly pay weekly, bi-weekly, semi-monthly, or monthly — Texas law requires nonexempt employees be paid at least twice per month.
Related State Paycheck Calculators
Compare take-home pay across other states using our full paycheck calculator suite:
This calculator provides estimates based on current federal tax brackets and standard FICA rates for general informational purposes only. It does not constitute tax or financial advice. Consult a licensed tax professional or payroll specialist for guidance specific to your situation.