Texas Paycheck Calculator

How the Texas paycheck calculator works

It starts from your gross pay for the pay period (annual salary ÷ number of pay periods, or hourly rate × hours plus any overtime) and then subtracts:

• Pre-tax deductions you enter, such as 401(k) contributions or health insurance premiums
• Federal income tax, based on your Form W-4 and the IRS 2026 withholding method
• Social Security (6.2% of wages up to $184,500) and Medicare (1.45%, plus 0.9% on wages over $200,000)
• No state income tax – Texas does not tax wages

What is left is your estimated net (take-home) pay for the period, shown with a line-by-line breakdown.

Does Texas tax wages?

The Texas constitution bans a personal income tax unless voters approve it. Employers only withhold federal income tax based on your Form W-4.

Other Texas payroll deductions

Texas has no employee disability, paid-leave or unemployment payroll deduction; state unemployment tax is paid by employers.

Example: $60,000 salary in Texas (2026)

Assumptions: single filer, paid every two weeks, 2026 federal standard deduction ($16,100), no other income, no pre-tax deductions and no extra withholding. Figures are annual estimates of tax owed; your employer's withholding can differ slightly.

In this example about 16.0% of gross pay goes to taxes and payroll deductions. Enter your own numbers in the calculator for your estimate.

How to calculate your Texas paycheck by hand

You can check the calculator with a pen and paper. Here is the same $60,000 single-filer example worked through for one biweekly paycheck:

1. Gross pay per check: $60,000.00 ÷ 26 = $2,307.69.
2. Pre-tax deductions: none in this example (401(k) and health premiums would be subtracted here, before income tax).
3. Federal income tax: $60,000.00 − $16,100 standard deduction = $43,900.00 taxable; 10%/12% brackets give $5,020.00 a year, or $193.08 per check.
4. Social Security: 6.2% × $2,307.69 = $143.08.
5. Medicare: 1.45% × $2,307.69 = $33.46.
6. Texas income tax: none – Texas does not tax wages.
7. Take-home pay: $2,307.69 − all of the above = $1,938.08 per check ($50,390.00 a year).

Your employer uses the IRS percentage method (Publication 15-T) on each paycheck, so withholding can differ from the annual tax by a few dollars a check; the difference is settled when you file your return.

Texas tax rates for 2026

Texas has no income tax on wages, so there are no state brackets to apply. Only federal income tax and FICA (plus any state payroll item listed above) come out of your pay.

Texas salary after taxes: take-home pay at common salaries

Estimated 2026 take-home pay in Texas for a single filer with the standard deduction and no pre-tax deductions:

Use these as quick reference points; the calculator above gives the figure for your exact pay, pay schedule and W-4.

Hourly wage after taxes in Texas

For hourly workers, this table converts common Texas wages into take-home pay for a full-time year (2,080 hours, no overtime):

How a 401(k) changes your Texas take-home pay

Pre-tax deductions lower your taxable wages before federal income tax is worked out. Social Security and Medicare are still charged on 401(k) deferrals.

Saving $3,600 only reduces take-home pay by about $3,168 – roughly $432 of the contribution is covered by lower income tax. Health, dental and vision premiums paid through a cafeteria (Section 125) plan usually reduce FICA as well, so they save even more; check how your state treats them.

Single vs married filing jointly

Filing status changes federal withholding a lot. With one earner, the married-filing-jointly brackets and the $32,200 standard deduction cut federal tax compared with single filing:

choose 'Married filing jointly' in the calculator to apply them. If both spouses work, tick Step 2 on the federal W-4 (or use the IRS Withholding Estimator) to avoid under-withholding.

How a bonus is taxed in Texas

Bonuses, commissions and other supplemental wages are usually withheld at a flat federal rate of 22% when they are paid separately from regular pay. On a $5,000 bonus that means:

22% is a withholding rate, not your final tax. If your real federal bracket is 12%, the extra comes back as a refund when you file; if it is 24% or higher, you may owe a little more.

Why your Texas paycheck may not match this estimate

• Your W-4 choices (dependents, other income, extra withholding) change federal withholding.
• Pre-tax benefits (401(k), HSA, health premiums) are taken out before tax and are not in the basic example.
• Bonuses and commissions are often withheld at the federal supplemental rate of 22%, so a bonus check can look heavily taxed even though the final tax is settled on your return.
• Social Security stops once your wages for the year pass $184,500; high earners see bigger checks late in the year.

Your Texas paycheck by pay frequency

Pay frequency changes the size of each check, not your yearly total. For the same $60,000 example:

Hourly pay, overtime and minimum wage in Texas

• Texas' minimum wage is $7.25 an hour (the federal rate).
• Overtime follows federal law: 1.5× pay after 40 hours a week.
• At $7.25 an hour, a 40-hour week is $290.00 gross ($15,080.00 a year before taxes); each overtime hour at 1.5× pays $10.88.

Texas take-home pay compared

A $60,000 salary leaves about $50,390 a year in Texas. The same pay in California leaves about $47,970 and in Oregon about $45,929 – the state income tax and payroll deductions explain the gap.

Sources

1. IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — irs.gov/pub/irs-pdf/p15t.pdf
2. Social Security Administration – Contribution and benefit base — ssa.gov/oact/cola/cbb.html
3. Texas Comptroller of Public Accounts — comptroller.texas.gov
4. Texas Workforce Commission – minimum wage — twc.texas.gov
5. U.S. Department of Labor – State minimum wage laws — dol.gov/agencies/whd/minimum-wage/state