Texas Paycheck Calculator
Estimate your 2026 Texas take-home pay per paycheck: federal income tax, Social Security and Medicare. Texas has no personal state income tax.
Rule year: 2026 · USD · Sources checked
Estimated net pay per chosen period
One regular job, full-year pay, under 65, not blind or claimable as a dependent, no spouse earnings, credits, itemised deductions, local taxes or other income. Regular 401(k) deferrals only, without catch-up. Federal and state rows are annual liability allocations; FICA uses one-employer withholding rules. Unsupported states produce no estimate. PA/MI/NC state bases must be independently established; no automatic deduction/exemption, local-tax or reciprocity calculation is inferred. State is fixed to Texas. No state income tax is deducted. Residence, work in another state and local employment rules can require a separate assessment.
Federal tax by income bracket
Each rate applies only to its slice of taxable ordinary income. No capital gains, credits or alternative minimum tax are included.
| Bracket | Taxable slice | Rate | Tax |
|---|---|---|---|
| 0 to 12,400 | $12,400.00 | 10% | $1,240.00 |
| 12,400 to 50,400 | $36,500.00 | 12% | $4,380.00 |
| 50,400 to 105,700 | $0.00 | 22% | $0.00 |
| 105,700 to 201,775 | $0.00 | 24% | $0.00 |
| 201,775 to 256,225 | $0.00 | 32% | $0.00 |
| 256,225 to 640,600 | $0.00 | 35% | $0.00 |
| 640,600 to above | $0.00 | 37% | $0.00 |
Texas salary examples
Single, no pre-tax deductions; annual-tax allocation rather than W-4 withholding. The state personal income-tax line is zero.
| Annual salary | Net per period | Federal per period | FICA per period |
|---|---|---|---|
| $40,000 | $1,320.00 | $100.77 | $117.69 |
| $60,000 | $1,938.08 | $193.08 | $176.54 |
| $80,000 | $2,504.23 | $337.31 | $235.38 |
For informational purposes only. This estimate is not financial advice, a tax return, a payroll calculation or a lender decision. See the supported circumstances and exclusions below.
How this calculator works
Texas has no personal state income tax, so this estimate separates federal income tax from Social Security and Medicare without adding a Texas wage tax. It is an annual-planning allocation: a steady gross paycheck is annualised, eligible entered benefits and traditional retirement deferrals are applied, then the federal calculation is divided across pay periods. Texas unemployment contributions are an employer responsibility and are not added as an employee deduction. A pay rise can cross a federal bracket even when the state income-tax line stays zero.
Formula and rules
Annual gross = period gross × pay periods. Federal taxable income = max(0, gross − Section 125 benefits − traditional deferrals − standard deduction). Net pay allocation = (gross − deductions − federal tax − state tax − payroll withholding) / pay periods.
Assumptions and limitations
One regular job, full-year pay, under 65, not blind or claimable as a dependent, no spouse earnings, credits, itemised deductions, local taxes or other income. Regular 401(k) deferrals only, without catch-up. Federal and state rows are annual liability allocations; FICA uses one-employer withholding rules. Unsupported states produce no estimate. PA/MI/NC state bases must be independently established; no automatic deduction/exemption, local-tax or reciprocity calculation is inferred. State is fixed to Texas. No state income tax is deducted. Residence, work in another state and local employment rules can require a separate assessment.
Worked example
With $2,500 gross every two weeks, Single filing status and no pre-tax deductions, annual gross is $65,000. The 2026 annual-tax model allocates $216.15 federal tax and $191.25 FICA to each paycheck, leaving approximately $2,092.60. Texas state personal income tax is zero.
- Estimated net pay per chosen period
- $2,092.60
- Federal annual-tax allocation per period
- $216.15
- State annual-tax allocation per period
- $0.00
- FICA withholding allocation per period
- $191.25
Useful next calculations
Choose a related task to continue with the right assumptions:
Official sources and review
Reviewed against the sources below on 2026-10-20. Rates are held in versioned rule modules. Versioned rules, official source review and year-specific calculation tests.
- IRS Publication 505 (2026) ↗
2026 ordinary-income rate schedules, standard deductions and capital-gain worksheet thresholds.
- IRS: Social Security and Medicare withholding ↗
Employee Social Security 6.2%, Medicare 1.45%; employer Additional Medicare withholding starts above $200,000.
- SSA: Contribution and benefit base ↗
2026 covered-earnings cap: $184,500.
- IRS: Additional Medicare Tax ↗
0.9% additional tax and filing-status thresholds; withholding and final liability differ.
- Texas Comptroller: personal income tax ↗
Texas does not impose personal income tax; other taxes still apply.
- Florida Department of Revenue: personal income tax ↗
Florida does not impose personal income tax.
- Pennsylvania Department of Revenue: Personal Income Tax ↗
3.07% on established PA taxable income. Local taxes and credits are separate.
- Pennsylvania: gross compensation ↗
Employee retirement deferrals are generally PA taxable; federal taxable wages cannot simply be reused.
- North Carolina DOR: current law and tax rates ↗
2026 individual income tax rate is 3.99%; withholding uses different methodology and deductions must be established.
- Texas Workforce Commission: unemployment taxes ↗
Employer unemployment-tax responsibilities; not included as an employee deduction.
Common questions
Is there a Texas personal income tax deduction?
No. This page fixes state personal income tax at zero, while keeping the supported federal and employee payroll taxes.
Are Texas unemployment contributions deducted?
They are an employer responsibility in the scope described by the Texas Workforce Commission, not a deduction in this employee estimate.
Can I compare weekly and biweekly pay?
Yes. Enter the gross amount for the frequency selected. The annual gross changes if you keep the same amount and switch frequency.
Does a state-free paycheck mean tax-free pay?
No. Federal income tax and employee FICA can still apply, with other deductions depending on employment circumstances.