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Texas Paycheck Calculator

Calculate your Texas take-home pay after federal taxes and FICA. Texas has no state income tax. Free 2026 paycheck calculator for TX residents.

Pay details

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Net pay per paycheck

$1,982.60

Gross pay per paycheck

$2,500.00

Net annual income

$51,547.50

Paycheck breakdown

  • Take-home pay$51,547.5079.3%
  • Federal + FICA$10,202.5015.7%

Annual tax breakdown

Federal income tax$5,230.00
Social Security$4,030.00
Medicare$942.50
Texas state tax$0.00
Total tax withheld$10,202.50

Tax rates

Federal marginal rate12.0%
Texas marginal rate0.0%
Effective tax rate15.7%
Federal brackets, standard deductions, FICA rates, and Texas tax tables reflect the 2026 tax year. Actual paycheck withholding depends on your W-4, local taxes, and employer payroll settings.
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How to estimate your Texas take-home pay in 2026

Texas is one of nine states with no personal income tax on wages. Your take-home pay still reflects federal income tax withholding and FICA payroll taxes. This calculator estimates net pay per paycheck using 2026 federal brackets and FICA limits so you can plan monthly expenses and compare job offers with confidence.

Enter your annual salary or build it from hourly wages using our gross pay calculator. If you receive 26 paychecks per year, the biweekly pay calculator shows how gross and net amounts spread across the calendar. For federal tax details and dependent credits, see the income tax calculator and salary calculator.

What gets withheld from a Texas paycheck

Because Texas has no state income tax, Texas residents typically see three major withholding categories on each paycheck:

  • Federal income tax: Calculated on taxable income after the 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household) using progressive brackets from 10% to 37%.
  • FICA payroll tax: 6.2% Social Security on wages up to the $184,500 wage base, plus 1.45% Medicare on all earnings. High earners pay an additional 0.9% Medicare surtax above $200,000 (single) or $250,000 (married filing jointly). Use our FICA tax calculator to isolate these amounts.
  • Pre-tax deductions: Traditional 401(k), HSA, and health insurance premiums reduce federal taxable income but FICA is still calculated on gross wages before retirement contributions.

Texas has no state income tax, but property taxes and sales tax are among the highest in the nation. Those are not payroll withholdings and are not included here. Hourly workers who earn overtime can estimate weekly gross pay with the Texas overtime calculator.

Net pay formula for Texas employees

With zero state income tax, Texas net pay simplifies to:

Net Pay=Gross Salary−Pre-tax Deductions−Federal Tax−FICA\mathrm{Net\ Pay} = \mathrm{Gross\ Salary} - \mathrm{Pre\text{-}tax\ Deductions} - \mathrm{Federal\ Tax} - \mathrm{FICA}

Federal taxable income is computed as:

Federal Taxable=max⁡ ⁣(0, Gross After Pre-tax−Federal Standard Deduction)\mathrm{Federal\ Taxable} = \max\!\left(0,\ \mathrm{Gross\ After\ Pre\text{-}tax} - \mathrm{Federal\ Standard\ Deduction}\right)

The take-home paycheck calculator defaults to Texas and lets you switch to any other state to compare relocation scenarios.

Worked example: $65,000 salary, single, biweekly, 5% 401(k)

Consider a single Texas resident earning $65,000 per year, paid biweekly (26 paychecks), with 5% contributed to a traditional 401(k) and no dependents:

  1. Gross per paycheck: $65,000 / 26 = $2,500.00
  2. 401(k) contribution: 5% of $65,000 = $3,250.00 annually ($125.00 per paycheck)
  3. Federal taxable income: $61,750 after 401(k) minus $16,100 standard deduction = $45,650. Federal income tax: $5,230.00
  4. FICA: Social Security $4,030.00 plus Medicare $942.50 = $4,972.50 total. FICA applies to full $65,000 gross wages
  5. Texas state tax: $0.00. No state income tax on wages
  6. Net biweekly paycheck: $1,982.60 ($51,547.50 per year). Effective tax rate: about 15.7%

Compared to a state with income tax, the same $65,000 salary in Texas leaves more per paycheck than California or New York. For a high-tax comparison, see the California paycheck calculator. For another no-income-tax state, try the Florida paycheck calculator or Nevada paycheck calculator.

Frequently asked questions

Does Texas have state income tax on wages?
No. Texas does not levy a personal income tax on earned wages. Your paycheck withholding is limited to federal income tax and FICA.
What tax year does this calculator use?
Federal income tax brackets, standard deductions, and FICA wage limits reflect the 2026 tax year.
Do I still pay federal taxes if I live in Texas?
Yes. All U.S. residents owe federal income tax on taxable wages regardless of state residency. Texas residents simply skip state income withholding.
Does Texas tax retirement income?
Texas does not tax wages or most retirement income at the state level. Federal tax still applies to taxable retirement distributions.
How does overtime affect my Texas paycheck?
Overtime increases gross wages, which raises federal withholding and FICA but not state tax because Texas has none. Use the Texas overtime calculator to estimate weekly gross pay with time and a half.
Are the results stored on a server?
No. All math runs in your browser. Changing inputs updates the page URL so you can share your scenario.

Resources and references

The formulas and methods in this calculator were checked against these independent sources.