Texas Paycheck Calculator

Your estimated take-home pay in Texas, using 2026 federal rules. Texas takes no state income tax out of your paycheck — so only federal tax, Social Security, and Medicare come out.

How are you paid?

Yearly salary ($ before taxes)

Pay schedule

Filing status (from your W-4)

Pre-tax deductions per paycheck (401(k), health premiums — $)

Advanced — W-4 adjustments (optional)

I checked the box in Step 2 of my W-4 (two jobs / working spouse)

Other income — W-4 Step 4(a) ($ per year)

Deductions — W-4 Step 4(b) ($ per year)

Tax credits — W-4 Step 3 ($ per year)

Extra withholding — Step 4(c) ($ per paycheck)

Wages already earned this year before this paycheck ($ — matters only near the Social Security limit)

Your estimated take-home pay

$0.00

per paycheck

Gross pay	$0.00
Pre-tax deductions	−$0.00
Federal income tax	−$0.00
Social Security (6.2%)	−$0.00
Medicare (1.45%)	−$0.00
Texas state income tax	$0.00
Take-home pay	$0.00

Why Texas paychecks are simpler

Texas is one of the states with no state income tax on wages, and Texas cities and counties don't add a local income tax either. What comes out of a Texas paycheck is federal income tax, Social Security (6.2% on wages up to $184,500 in 2026), and Medicare (1.45%, plus 0.9% on high earnings). Some employers also deduct things like health insurance or retirement contributions — enter those as pre-tax deductions above if they come out before taxes.

How this calculator works

Federal withholding follows the IRS's official method (Publication 15-T for 2026, Percentage Method for automated payroll): your pay is annualized, adjusted for the W-4 entries you provide, taxed through the official withholding schedules for your filing status, then divided back into paychecks. Social Security and Medicare use the statutory FICA rates and the 2026 Social Security wage base. Full details are on our methodology page.

Common questions

Does Texas really have no state income tax?
Correct — Texas does not tax wage income at the state level, and there is no Texas city or county income tax. Your state line is always $0 on this calculator.

Why is my real paycheck a bit different?
Employers may use slightly different rounding, and your actual W-4 entries, benefits, or garnishments may differ from what you typed here. This is an estimate to plan with, not a pay stub.

What about overtime?
Include overtime pay in your gross. To figure out the overtime itself, use our Overtime Calculator or the Time Card Calculator.

Estimate for general information only — not tax, legal, or financial advice. Federal method: IRS Publication 15-T (2026). Social Security wage base 2026: $184,500 (SSA). Texas state income tax on wages: none. See our methodology & sources.