Texas Paycheck Calculator

Calculate your net take-home pay in Texas for the 2026 tax year. Fully accounts for federal income tax, Social Security, Medicare, and pre-tax deductions with $0 Texas state income tax.

Your Pay Details

Total gross pay before any deductions.

Pre-tax deductions

Pre-tax retirement contributions — capped at $24,500 per year.

Your share of employer plan premiums, paid pre-tax.

Advanced optionsOvertime, tips, Roth, and special tax situations

Exempt from federal income tax up to $25,000 under OBBBA — but fully taxable on your state return.

After-tax — reduces take-home pay but not your taxes.

Results update automatically as you type — nothing is submitted or stored.

Your Estimated Take-Home

Net pay per bi-weekly paycheck

$2,369

$61,593 per year ·17.9% of gross withheld

Gross

$2,885

Federal tax

$295

10.2% effective

FICA

$221

Texas tax

$0

0.0% effective

  • Federal income tax$7,670
  • FICA$5,738
  • TX state tax$0
  • Pre-tax deductions$0
  • Take-home pay$61,593
Gross pay$75,000
Federal income tax$7,670
FICA$5,738
TX state tax$0
Pre-tax deductions$0
Take-home pay$61,593

How Your Texas Paycheck Is Calculated

Texas is internationally recognized for its pro-business economic climate, headlined by the complete absence of a personal state income tax. In November 2019, Texas voters passed Proposition 4 with overwhelming support, embedding Article VIII, Section 24-a into the Texas Constitution. This constitutional amendment explicitly forbids the Texas Legislature from levying a personal individual income tax on the wages, salaries, or earned income of individuals.

Consequently, Texas employers do not withhold any state income taxes from employee paychecks. However, Texas workers remain fully subject to federal tax obligations. Your net take-home pay is determined by subtracting Federal Income Tax and FICA payroll taxes (Social Security and Medicare) from your gross wages, alongside any elective pre-tax and post-tax employee deductions.

Texas State Tax

$0.00 (0.0%)

Banned by Texas Constitution Art. VIII § 24-a

FICA Payroll Tax

7.65%

6.2% Social Security + 1.45% Medicare

Local Wage Taxes

None ($0)

Houston, Dallas, Austin levy 0% wage tax

The Texas Paycheck Formula

Calculating your Texas net take-home pay follows a straightforward arithmetic progression. Because there is no state income tax and no local wage tax, the payroll formula simplifies to:

Gross Wages − Pre-Tax Deductions − Federal Income Tax − FICA − Post-Tax Deductions = Net Take-Home Pay

* Note: Texas State Income Tax = $0.00; Local City/County Income Tax = $0.00.

Here is how each component of the Texas formula operates in practice:

  • Gross Earnings: The total money earned in the pay period before any deductions. For hourly workers, this is hourly base pay times hours worked plus 1.5x overtime. For salaried employees, this is annual salary divided by your annual pay periods (e.g., 26 for biweekly).
  • Pre-Tax Deductions: Contributions made to traditional 401(k), 403(b), pre-tax health/dental/vision insurance, and Health Savings Accounts (HSA). These reduce your federal adjusted gross income dollar-for-dollar.
  • Federal Income Tax Withholding: Withheld according to the IRS Publication 15-T wage bracket or percentage method, based on your filing status and allowances specified on Form W-4.
  • FICA (Social Security & Medicare): 6.2% of gross wages for Social Security up to the federal wage base, plus 1.45% for Medicare on all earnings without limit. An additional 0.9% Medicare surtax applies to wages exceeding $200,000 for single filers or $250,000 for married couples.
  • Post-Tax Deductions: Voluntary after-tax deductions such as Roth 401(k) contributions, charitable payroll gifts, life insurance premiums, or court-mandated wage garnishments.

Texas Salary Take-Home Pay Examples

The table below illustrates annual and biweekly take-home pay across common Texas salary tiers for a single filer claiming the standard deduction with zero pre-tax deferrals.

Annual Gross SalaryFederal Income TaxFICA (OASDI + HI)TX State TaxTotal TaxesAnnual Take-HomeBiweekly Paycheck
$35,000$2,020$2,678$0$4,698$30,303$1,165
$50,000$3,820$3,825$0$7,645$42,355$1,629
$65,000$5,620$4,973$0$10,593$54,408$2,093
$75,000$7,670$5,738$0$13,408$61,593$2,369
$90,000$10,970$6,885$0$17,855$72,145$2,775
$100,000$13,170$7,650$0$20,820$79,180$3,045
$125,000$18,699$9,563$0$28,261$96,739$3,721
$150,000$24,699$11,475$0$36,174$113,827$4,378
$200,000$36,699$14,339$0$51,038$148,963$5,729

Calculations reflect standard single filing status with no additional pre-tax deductions or dependent credits.

Hourly Wages and Overtime in Texas

Texas has a vast workforce in energy, construction, healthcare, logistics, manufacturing, and tech where hourly wages and overtime are standard. Minimum wage in Texas follows the federal rate of $7.25 per hour under Chapter 62 of the Texas Labor Code.

Under the federal Fair Labor Standards Act (FLSA) and the Texas Payday Law, non-exempt hourly employees in Texas must be paid 1.5 times their regular hourly rate for all hours worked in excess of 40 hours during a single 7-day workweek. The table below illustrates biweekly take-home pay for full-time hourly employees working 40 hours per week (2,080 hours annually).

Hourly RateAnnual GrossBiweekly GrossBiweekly Fed TaxBiweekly FICABiweekly Net Pay
$15/hr$31,200$1,200$60.15$91.80$1,048
$20/hr$41,600$1,600$108.15$122.40$1,369
$25/hr$52,000$2,000$156.15$153.00$1,691
$30/hr$62,400$2,400$204.15$183.60$2,012
$35/hr$72,800$2,800$276.38$214.20$2,309
$45/hr$93,600$3,600$452.38$275.40$2,872
$60/hr$124,800$4,800$717.33$367.20$3,715

Overtime Pay Calculations on a Texas Paycheck

Consider an employee earning $30.00 per hour. Their regular 40-hour weekly pay is $1,200.00. For each overtime hour over 40, their overtime rate is $45.00 ($30.00 × 1.5). The following table demonstrates weekly take-home pay across varying overtime hours:

Total Weekly HoursRegular Pay (40 hrs)Overtime HoursOvertime PayGross EarningsEstimated Weekly Net
40 hrs (Standard)$1,2000$0$1,200$986
45 hrs (+5 hrs OT)$1,2005 hrs$225$1,425$1,157
50 hrs (+10 hrs OT)$1,20010 hrs$450$1,650$1,328
60 hrs (+20 hrs OT)$1,20020 hrs$900$2,100$1,670

Paycheck Frequencies: Weekly vs. Biweekly vs. Monthly

Under the Texas Payday Law, employers must pay non-exempt employees at least semimonthly (twice per month), while exempt employees must be paid at least monthly. Many employers adopt biweekly schedules (26 pay periods per year). While your annual tax liability remains identical regardless of frequency, the amount deducted per paycheck varies proportionally.

Here is how a $75,000 annual salary breaks down across the four standard pay frequencies for a single filer in Texas:

Pay FrequencyPaychecks Per YearGross Per PeriodFederal Tax Per PeriodFICA Per PeriodNet Take-Home Pay
Weekly52$1,442$147.50$110.34$1,184
Bi-Weekly26$2,885$295.00$220.67$2,369
Semi-Monthly24$3,125$319.58$239.06$2,566
Monthly12$6,250$639.17$478.13$5,133

Texas vs. Neighboring States Comparison

Texas’s lack of individual income tax provides a significant boost to employee take-home pay compared to neighboring states like Louisiana, Arkansas, and Oklahoma.

The table below compares the annual state income tax and net take-home pay for an employee earning $75,000 as a single filer across Texas and its regional neighbors:

StateState Tax RateAnnual State TaxAnnual Take-Home PayTexas Advantage
Texas (TX)0.00%$0.00$61,593Baseline
Louisiana (LA)3.09% flat$2,317.50$59,275-$2,318/yr
Arkansas (AR)2.0% - 4.4%$2,409.00$59,184-$2,409/yr
Oklahoma (OK)0.25% - 4.75%$2,874.50$58,718-$2,875/yr

Data based on state tax rates: TX (0%), LA (3.09% flat), AR (2%–4.4% progressive), OK (0.25%–4.75% progressive).

Federal Tax Brackets Applicable to Texas Workers

Because Texas has no state income tax, your federal tax bracket is the single biggest tax factor impacting your paycheck. The U.S. federal income tax uses a progressive marginal tax bracket system:

Marginal RateSingle Taxable IncomeMarried Joint Taxable Income
10%$0 – $12,400$0 – $24,800
12%$12,401 – $50,400$24,801 – $100,800
22%$50,401 – $107,475$100,801 – $200,950
24%$107,476 – $205,250$200,951 – $383,900
32%$205,251 – $260,600$383,901 – $487,450
35%$260,601 – $640,600$487,451 – $768,700
37%Over $640,600Over $768,700

Federal standard deduction amounts reduce your taxable income before these brackets are applied ($15,000 for Single filers, $30,000 for Married Filing Jointly).

How to Maximize Your Texas Take-Home Pay

Even in a state with zero income tax, Texas employees can optimize their net pay and long-term financial security through smart payroll planning:

Maximize Pre-Tax Retirement Deferrals

Every dollar contributed to a traditional 401(k) or 403(b) (up to the annual IRS elective deferral limit) reduces your federal taxable income. For an employee in the 22% federal tax bracket, contributing $10,000 reduces federal income tax withholding by $2,200 annually.

Utilize Health Savings Accounts (HSA)

If enrolled in a high-deductible health plan (HDHP), pre-tax HSA contributions are triple-tax-advantaged: exempt from federal income tax, exempt from FICA (6.2% Social Security + 1.45% Medicare), and tax-free upon withdrawal for qualified medical expenses.

Review Form W-4 Annually

Use the IRS Tax Withholding Estimator if you experience life changes such as marriage, birth of a child, or taking on a second job. Properly claiming dependent credits (Step 3) ensures you don't overwithhold and lend money to the government interest-free.

Understand FICA Wage Ceilings

Social Security tax (6.2%) only applies up to the annual federal wage cap ($176,100). Once your cumulative earnings pass this threshold during the calendar year, Social Security withholding stops, giving high-earning Texas employees an automatic 6.2% boost in net take-home pay for the rest of the year.

Financial Disclaimer

This Texas paycheck calculator provides payroll estimates for educational and illustrative purposes only. While calculations incorporate official IRS Publication 15-T withholding guidelines and Texas constitutional provisions, individual tax liability may vary depending on local employer cafeteria plans, pre-tax transit, garnishments, or specialized tax credits. For customized tax or legal advice, consult a licensed Certified Public Accountant (CPA) or tax attorney.

Frequently Asked Questions

How do I calculate my paycheck in Texas?
To calculate your Texas paycheck, take your gross earnings for the pay period (hourly wage multiplied by total hours worked, or annual salary divided by your total number of pay periods per year). Deduct pre-tax contributions such as traditional 401(k), 403(b), Section 125 health insurance, and HSA deferrals. Because Texas has no state personal income tax, state income tax withholding is $0. Calculate federal income tax withholding using IRS Publication 15-T based on your Form W-4 selections, and deduct FICA taxes (6.2% Social Security up to the federal wage base of $176,100 and 1.45% Medicare, plus 0.9% Additional Medicare on wages exceeding $200,000 for single filers). Subtract any post-tax deductions (such as Roth 401(k) or court-mandated wage garnishments). The remainder is your net take-home pay.
Does Texas have a state income tax on paychecks?
No. Texas does not have a personal state income tax on wages or salaries. In November 2019, Texas voters overwhelmingly approved Proposition 4, creating Article VIII, Section 24-a of the Texas Constitution, which permanently bans the state legislature from imposing an individual income tax. Employers in Texas do not withhold any state income tax from employee paychecks.
What taxes come out of a Texas paycheck?
Even though Texas levies no state income tax, three mandatory federal taxes are deducted from every Texas employee paycheck: (1) Federal Income Tax (withheld according to IRS Form W-4 progressive brackets between 10% and 37%), (2) Social Security Tax (6.2% withheld on all wages up to the federal limit of $176,100), and (3) Medicare Tax (1.45% withheld on all wages uncapped, plus an additional 0.9% for single filers earning over $200,000 or married couples earning over $250,000).
How much federal tax is taken from a Texas paycheck?
Federal income tax withholding depends on your taxable wages, pay frequency, and the settings on your IRS Form W-4 (filing status, dependents, multiple jobs worksheet, or extra withholding requested). Federal marginal tax rates run from 10% to 37%. For example, a single worker in Texas earning $75,000 annually claiming the standard deduction typically has around $7,670 in federal income tax withheld per year (~10.2% effective federal rate).
How do I calculate Texas take-home pay for an hourly worker?
Multiply your hourly base wage by the regular hours worked during the pay period (up to 40 hours per workweek). For any overtime hours worked beyond 40, multiply those hours by 1.5 times your regular base rate. Sum regular and overtime earnings to obtain gross pay. Deduct pre-tax benefits (such as medical premiums or retirement plans). From that taxable base, deduct federal income tax withholding and 7.65% FICA (Social Security and Medicare). With $0 Texas state withholding, your take-home pay is gross wages minus federal tax and FICA.
How do I calculate a weekly or biweekly paycheck in Texas?
For a salaried worker in Texas, divide your annual gross salary by 26 for biweekly paychecks (every two weeks) or by 52 for weekly paychecks. Subtract per-paycheck pre-tax deductions. Next, determine per-period federal income tax withholding using IRS percentage method tables for biweekly (26 periods) or weekly (52 periods) pay, and subtract 7.65% FICA. With zero state tax, your net biweekly or weekly pay is your gross period pay minus federal income tax and FICA.
How does overtime affect my Texas paycheck?
Under the federal Fair Labor Standards Act (FLSA) and the Texas Payday Law administered by the Texas Workforce Commission (TWC), non-exempt employees must be paid 1.5 times their regular hourly rate for all hours worked over 40 in a single workweek. While overtime increases your total earnings, it can temporarily push a specific paycheck into a higher federal withholding bracket, causing more tax to be withheld from that check. Any excess withholding is refunded when filing your federal tax return. Texas does not tax overtime wages.
Do any Texas cities like Houston, Dallas, or Austin have local wage taxes?
No. Texas state law does not permit cities, counties, or school districts to levy local wage or earned income taxes. Cities such as Houston, Dallas, Austin, San Antonio, Fort Worth, and El Paso have zero municipal income tax withholding on employee paychecks.
Does Texas have state disability insurance (SDI) or paid family leave payroll taxes?
No. Texas does not mandate employee-paid state disability insurance (SDI) or state-sponsored paid family leave payroll deductions. Unlike states like California (1.30% SDI) or Washington (WA Cares and PFML), Texas workers have no mandatory state payroll deductions of this type.
Why do I still pay substantial taxes in Texas if there is no state income tax?
While Texas has no state personal income tax, all workers remain fully subject to federal taxation. Federal income taxes and mandatory FICA payroll taxes (6.2% Social Security + 1.45% Medicare) account for the vast majority of payroll withholdings for middle-income workers nationwide. On a $75,000 salary, federal tax and FICA total approximately $13,407 annually, leaving a net take-home pay of $61,593.
How does Texas compare to Louisiana and Oklahoma for take-home pay?
Because Texas charges 0% state income tax, a single worker earning $75,000 takes home roughly $61,593. In Louisiana (3.09% flat tax), the same worker pays approximately $1,854 in state income taxes, taking home about $59,739. In Oklahoma (graduated rates up to 4.75%), state taxes total approximately $2,835, yielding $58,758 take-home pay. Living in Texas saves between $1,800 and $2,800 annually in state income taxes on a $75,000 salary compared to neighboring states.
How are bonuses and commissions taxed in Texas?
Supplemental wages like bonuses and commissions are subject to federal withholding rules. Under IRS guidelines, supplemental wages up to $1 million paid separately from regular wages are generally subject to a flat federal withholding rate of 22%, plus 7.65% FICA. Because Texas has no state income tax, no state supplemental tax is withheld (unlike California at 6.6% or New York at 11.7%).
What pre-tax deductions can increase my Texas take-home efficiency?
Contributing to pre-tax accounts such as a traditional 401(k), 403(b), 457(b), Health Savings Account (HSA), or Flexible Spending Account (FSA) reduces your federal adjusted gross income (AGI). Every dollar contributed to these accounts lowers your federal income tax withholding. While pre-tax contributions do not reduce Texas state tax (since it is already $0), they provide substantial federal income tax savings.
Is there a Texas state withholding certificate like Form W-4?
No. Texas does not have a state equivalent of the federal Form W-4 because Texas has no state personal income tax. When starting a new job in Texas, you only complete the federal Form W-4 (Employee Withholding Certificate) for federal income tax withholding and Form I-9 for employment eligibility verification.

verifiedOfficial Sources

Written by the PayAtlas Editorial Team

Reviewed by Certified Financial Planners (CFP®) & Payroll Tax Specialists | 10+ years public finance experience

⚠️ Disclaimer

This calculator provides estimates only. For personal financial advice, consult a licensed professional. Actual results may vary based on individual circumstances and current market conditions.