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.
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.
Your estimate will appear here
Enter your pay details and click calculate to see your estimated take-home pay, tax breakdown, and annual income.
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, among the highest average effective rates in the country, to fund schools and local government. A bigger paycheck can still mean a bigger annual tax bill once you own a home.
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.
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 an hour. Her gross weekly pay is $880. After federal income tax (around $88), Social Security (6.2%, or $54.56), and Medicare (1.45%, or $12.76), her estimated take-home pay lands at about $724.68 a week, roughly 82% 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, Social Security, and Medicare, his estimated take-home pay comes out to roughly $2,330 per paycheck, about 80.8% 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 brings the standard deduction to $29,200, lowering 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 roughly $3,552 per paycheck, about 84% 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.
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 and no state property tax cap comparable to some other states, 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.
Constitutionally protected: A 2019 constitutional amendment means Texas voters, not just lawmakers, would have to approve any future individual income tax statewide, which makes the no-income-tax status harder to reverse than in a state without that protection.
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: Texas has no cap on how state property tax revenue grows the way some states do for primary residences, and effective rates around 1.6-1.8% add up fast on a $400,000 home. 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 its average effective rate (around 1.6-1.8% of a home's value) is among the highest in the country. Combined state and local sales tax can run up to 8.25%. Businesses also pay a franchise tax based on revenue, though that doesn't show up on a paycheck.
It would take more than a legislative vote. Texas voters amended the state constitution in 2019 to require statewide voter approval before any income tax on individuals could be created, which makes it harder to introduce than in most states.
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, among the highest in the country at an average effective rate of 1.6-1.8% of a home's value, 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.
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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