Texas Paycheck Calculator
Use the MoneyMath Hub Texas Paycheck Calculator to estimate gross pay, federal withholding, payroll taxes, state withholding, deductions, and take-home pay.
Last updated:
Supplemental pay (per period)
Deductions (per period)
Extra withholding & local overrides
Year-to-date wages (for cap handling)
Estimated biweekly paycheck
- Gross pay
- $0.00
- Regular gross
- $0.00
- Supplemental gross
- $0.00
- Pre-tax deductions
- $0.00
- Federal income tax
- $0.00
- · on regular wages
- $0.00
- · on supplemental wages
- $0.00
- Social Security
- $0.00
- Medicare
- $0.00
- Texas state tax
- $0.00
- Post-tax deductions
- $0.00
- Total taxes
- $0.00
- Take-home pay
- $0.00
Paycheck Print Summary
Print this summary or save it as PDF from your browser.
- State
- Texas
- Filing status
- single
- Pay frequency
- biweekly
- Gross pay
- $0.00
- Pre-tax deductions
- $0.00
- Federal income tax
- $0.00
- Social Security
- $0.00
- Medicare
- $0.00
- Texas state tax
- $0.00
- Local income tax
- $0.00
- Post-tax deductions
- $0.00
- Total taxes
- $0.00
- Take-home pay
- $0.00
Educational estimate only. Actual payroll results may differ based on federal, state, local, and employer payroll rules.
Formula
Net Pay = Gross Pay − Pre-tax Deductions − Federal Tax − FICA − State Tax − Post-tax Deductions
FICA = 6.2% Social Security (up to wage base) + 1.45% Medicare (+0.9% above $200k)
Texas has no state income tax on wages.
How to calculate
- Calculate your gross pay (salary ÷ pay periods, or hourly × hours).
- Subtract pre-tax deductions (401(k), HSA, insurance) to get taxable wages.
- Apply federal income tax withholding using IRS tables.
- Apply FICA: 6.2% Social Security + 1.45% Medicare.
- Apply Texas state income tax (none on wages).
- Subtract post-tax deductions to find take-home pay.
Worked example
A single filer earning $75,000/year in Texas, paid biweekly with no extra deductions, will see federal tax, FICA withheld each pay period. Use the tool above for your exact numbers.
Texas paycheck estimate overview
This page helps users estimate gross pay, withholding, payroll taxes, deductions, and net pay in Texas. It is designed to support quick planning for salary or hourly pay scenarios.
Texas withholding factors
Withholding in Texas can vary based on filing status, pay frequency, deductions, and current state rules.
Texas local and payroll deduction considerations
Texas take-home pay can still vary based on employer payroll settings, benefits, and extra withholding choices.
Texas paycheck — methodology and sources
Tax structure: Texas does not levy a state income tax on wages, so paycheck withholding is limited to federal income tax and FICA (Social Security and Medicare). FICA: 6.2% Social Security up to the annual wage base, plus 1.45% Medicare on all wages (with an extra 0.9% above $200,000 for single filers). Pre-tax deductions like traditional 401(k), HSA, and most health-insurance premiums lower the wages subject to federal (and usually state) income tax. Local taxes (city, county, or school district) can apply in some areas and are not always reflected in a single statewide rate. For the most accurate withholding, verify against current guidance from the IRS (Publication 15-T) and the relevant Texas state tax agency. Useful references: IRS Publication 15-T (https://www.irs.gov/pub/irs-pdf/p15t.pdf), the IRS Tax Withholding Estimator (https://www.irs.gov/individuals/tax-withholding-estimator), and the Federation of Tax Administrators directory of state tax agencies (https://taxadmin.org/state-tax-agencies/).
Frequently asked questions
How is take-home pay calculated in Texas?
Take-home pay is calculated by starting with gross earnings and subtracting taxes, payroll deductions, benefits, and other withholdings.
Does Texas have state income tax?
Texas does not levy a state income tax on wages, so paycheck withholding is limited to federal income tax and FICA (Social Security and Medicare).
What taxes come out of a paycheck in Texas?
Common paycheck deductions include federal withholding, Social Security, Medicare, and any applicable state or local taxes, along with pre-tax and post-tax benefit deductions.
Why is my net pay lower than expected?
Retirement contributions, health insurance, withholding settings, local taxes, overtime treatment, and additional deductions can all reduce take-home pay.
Is this calculator accurate for bonuses or overtime?
It can provide an estimate, but actual payroll treatment for bonuses, overtime, supplemental wages, and special compensation may vary.
Where can I verify Texas withholding rules?
Check IRS Publication 15-T for federal withholding methods, and the Texas state tax agency (find it via the Federation of Tax Administrators directory at taxadmin.org/state-tax-agencies) for state-specific rates and forms.
How is take-home pay estimated in Texas?
The estimate starts with gross pay, then applies federal withholding, payroll taxes, state withholding, possible local taxes, and any entered deductions.
Does Texas have state income tax on wages?
Texas is treated here as having no broad wage income tax, so state withholding may be zero in many scenarios.
Should I use local overrides on the Texas paycheck calculator?
Use local overrides only if your work or residence location adds city, county, school district, or similar local taxes.
Why does my estimated net pay change after adding deductions?
Pre-tax deductions can reduce taxable wages, while post-tax deductions reduce take-home pay after taxes are calculated.
Related calculators
Texas is treated here as having no broad state wage tax, so estimates mainly reflect federal taxes and payroll deductions. This Texas paycheck calculator provides educational estimates only. Texas is treated here as having no broad wage income tax, but actual payroll results may still differ based on employer settings, deductions, local rules, and current-year federal requirements.