Finance calculators

Texas Paycheck Calculator

Updated Jun 30, 2026 By Jehan Wadia
Formulas
Your estimated bi-weekly take-home pay:
$0.00
Approximately $0.00 per year
Pay Details
Used to determine the applicable tax year's withholding rates.
Federal W-4
Check which version of Form W-4 you have on file with your employer.
Children under 17 × $2,000; other dependents × $500. Enter total.
Pre-Tax Deductions
Total Pre-Tax: $0.00 (0.00% of gross)
Post-Tax Deductions
Total Post-Tax: $0.00 (0.00% of gross)
Tax Exemptions
Texas has no state income tax or local income tax — these are automatically $0.
Employer-Side Taxes
The fields below calculate your employer tax obligations. These amounts are NOT deducted from the employee's paycheck.
New employers: use 2.7%. Experienced: enter your TWC-assigned rate (0.23%–6.23%). Wage base: $9,000/yr.
Wages already paid this calendar year, used for wage-base-capped taxes (Social Security, FUTA, SUTA).
Paycheck Breakdown — Bi-Weekly
Employer Cost Summary — Not Deducted from Employee Pay
FUTA and SUTA annual estimates are capped at their wage bases ($7,000 / $9,000) and reach $0 once met.
Pay Distribution
Annual Projection
Annual figures assume the same pay and deductions every period.
Step-by-Step Solution

Introduction

Texas is one of nine states with no state income tax. That means more of your paycheck stays in your pocket. But you still pay federal income tax, Social Security tax, and Medicare tax. These taxes are taken out of every paycheck before you get paid.

This free Texas paycheck calculator shows you exactly how much money you will take home after all taxes and deductions. Enter your salary or hourly wage, choose your pay frequency, and fill in your W-4 details. The calculator does the rest. It breaks down your federal tax withholding, FICA taxes, pre-tax deductions like 401(k) and health insurance, and post-tax deductions. You get a clear, step-by-step look at where every dollar of your pay goes.

Whether you are starting a new job, comparing a job offer, or just want to check that your paycheck is correct, this tool gives you a fast and accurate estimate. It uses the latest IRS tax brackets and withholding tables so your results reflect current tax rules. It also calculates employer-side costs like FUTA and Texas SUTA taxes, which do not come out of your pay but are good to know about.

How to Use Our Texas Paycheck Calculator

Enter your wage details, tax filing info, and any deductions below. The calculator will show your estimated take-home pay per paycheck, a full tax breakdown, employer costs, and an annual projection.

Pay Type: Choose "Salary" if you earn a fixed amount each year or per pay period. Choose "Hourly" if you are paid by the hour. If you need to convert between the two, try our hourly to salary calculator or salary to hourly calculator.

Check Date: Enter the date of your paycheck. This tells the calculator which tax year's rates to use.

Pay Frequency: Select how often you get paid. Common options are bi-weekly (every two weeks) or semi-monthly (twice a month). You can also use our biweekly paycheck calculator for a focused look at bi-weekly pay.

Gross Pay Amount (Salary): Type your total pay before any taxes or deductions are taken out. If you are unsure of your gross pay, our gross pay calculator can help.

Amount Basis (Salary): Pick "Annual" if you entered your yearly salary. Pick "Per paycheck" if you entered the amount for one pay period.

Hourly Wage (Hourly): Enter the dollar amount you earn per hour of regular work.

Regular Hours per Period (Hourly): Enter how many regular hours you work each pay period. For example, 80 hours for a bi-weekly schedule. Use our work hours calculator to track your hours precisely.

Overtime Hourly Rate (Hourly): This defaults to 1.5 times your regular rate. Change it if your employer pays a different overtime rate. Our overtime calculator can help you figure out your overtime pay in more detail.

Overtime Hours per Period (Hourly): Enter how many overtime hours you work each pay period. Leave it at 0 if you do not work overtime.

W-4 Version: Choose "2020 or Later" if you filled out a newer W-4 form. Choose "Pre-2020" if you still have an older W-4 on file with your employer. For help estimating the right withholding, see our IRS withholding calculator.

Filing Status: Pick the status that matches your W-4 form. Most single people choose "Single or Married Filing Separately." Most married couples choose "Married Filing Jointly."

Step 2 — Multiple Jobs or Spouse Works (2020+ W-4): Check this box if you hold more than one job or if your spouse also works. This increases withholding so you do not owe taxes later.

Step 3 — Claim Dependents (2020+ W-4): Enter the total dollar amount of dependent tax credits from your W-4. Each child under 17 is worth $2,000. Each other dependent is worth $500.

Step 4a — Other Income (2020+ W-4): Enter any extra yearly income not from jobs, such as interest or dividends, that you listed on your W-4.

Step 4b — Deductions (2020+ W-4): Enter the yearly amount of deductions beyond the standard deduction that you listed on your W-4.

Step 4c — Extra Withholding (2020+ W-4): Enter any extra dollar amount you want taken out of each paycheck for federal taxes.

Withholding Allowances (Pre-2020 W-4): Enter the number of allowances from your old W-4 form. More allowances means less tax is withheld.

Additional Withholding (Pre-2020 W-4): Enter any extra amount per paycheck you asked your employer to withhold on your old W-4.

Pre-Tax Deductions: Fill in amounts for benefits like health insurance, 401(k) contributions, or an HSA. These come out of your pay before taxes are calculated, which lowers your tax bill. Set the method to "$ Fixed" for a flat dollar amount or "% of Gross" for a percentage of your gross pay. Click "Add Pre-Tax Deduction" to add a custom item.

Post-Tax Deductions: Add any deductions taken after taxes, such as Roth 401(k) contributions, wage garnishments, or union dues. Click "Add Post-Tax Deduction" to create a new line. You can choose a flat dollar amount, a percentage of gross pay, or a percentage of net pay.

Tax Exemptions: Select "Yes" only if you are legally exempt from certain taxes. Then check the boxes for Federal Income Tax, Social Security Tax, or Medicare Tax as needed. Most workers should leave this set to "No."

Texas SUTA Rate: Enter your employer's state unemployment tax rate. New employers in Texas typically use 2.7%. This is an employer-only cost and does not reduce your pay.

YTD Gross Wages: Enter the total gross wages your employer has already paid you this calendar year before this paycheck. This is used to calculate wage-base caps for Social Security, FUTA, and SUTA taxes.

After filling in your details, click Calculate to see your results. Click Reset to clear all fields and start over.

Texas Paycheck Calculator

This Texas paycheck calculator shows you how much money you take home after taxes and deductions are removed from your gross pay. Enter your salary or hourly wage, choose how often you get paid, and fill in your W-4 details. The calculator does the rest.

Why Texas Is Different

Texas is one of nine states with no state income tax. This means more of your paycheck stays in your pocket compared to states that do charge income tax. For example, see how much more gets withheld using our California paycheck calculator. The only taxes taken from your pay in Texas are federal income tax, Social Security tax (6.2%), and Medicare tax (1.45%). If you earn over $200,000 in a year, an extra 0.9% Medicare tax also applies.

What Gets Taken Out of Your Paycheck

Your employer removes money from your paycheck before you receive it. These are called withholdings and deductions. Federal income tax is based on your W-4 form, your filing status, and how much you earn. You can use our effective tax rate calculator to see what percentage of your income actually goes to federal taxes. FICA taxes — Social Security and Medicare — are a flat percentage of your wages. Pre-tax deductions like health insurance and 401(k) contributions lower your taxable income, which means you pay less in taxes. Post-tax deductions, like Roth 401(k) contributions, come out after taxes are calculated.

Employer Taxes in Texas

Your employer also pays taxes on your wages, but these are not taken from your paycheck. Employers in Texas pay their own share of Social Security (6.2%) and Medicare (1.45%). They also pay federal unemployment tax (FUTA) and Texas state unemployment tax (SUTA). New employers in Texas typically pay a SUTA rate of 2.7%. The SUTA wage base in Texas is $9,000 per employee per year. For a broader look at all employer and employee tax obligations, see our payroll tax calculator.

Salary vs. Hourly Pay

If you earn a salary, your gross pay each period is your annual salary divided by the number of pay periods in a year. For example, a $75,000 salary paid bi-weekly gives you $2,884.62 per paycheck before taxes. If you are paid hourly, your gross pay is your hourly rate times the hours you work. Overtime hours are usually paid at 1.5 times your regular rate under federal law. Use our overtime calculator to estimate your overtime earnings. If you want to see what your weekly pay looks like, we have a dedicated tool for that as well.

How to Use This Calculator

Pick whether you are salaried or hourly. Enter your pay amount and how often you are paid. Fill in your federal W-4 information — either the 2020 or later version or the pre-2020 version. Add any pre-tax or post-tax deductions that apply to you. The calculator will show your estimated take-home pay, a full breakdown of every tax and deduction, your employer's cost, and a step-by-step explanation of the math. To plan your finances further, explore our budget calculator or retirement calculator to see how your paycheck fits into your bigger financial picture.

Formulas used

Gross Pay per Period (Salary)
\text{Gross} = \frac{\text{Annual Salary}}{N}
Gross Pay per Period (Hourly)
\text{Gross} = (W \times H_{\text{reg}}) + (W_{\text{OT}} \times H_{\text{OT}})
Federal Income Tax Withholding per Period
\text{FIT} = \frac{\max\!\left(0,\; T\!\left(\text{Gross}_{\text{fed}} \times N + 4a - 4b - D\right) - \text{Step 3}\right)}{N} + \text{Step 4c}
Social Security Tax (Employee)
\text{SS} = 0.062 \times \min\!\left(\text{Gross}_{\text{FICA}},\; \max(0,\; W_{\text{base}} - \text{YTD})\right)
Medicare Tax (Employee)
\text{Medicare} = 0.0145 \times \text{Gross}_{\text{FICA}}
Additional Medicare Tax
\text{Addl Med} = 0.009 \times \left[\max(0,\;\text{YTD}+\text{Gross}_{\text{FICA}}-200{,}000) - \max(0,\;\text{YTD}-200{,}000)\right]
Net Take-Home Pay
\text{Net} = \text{Gross} - \text{Pre-Tax} - \text{FIT} - \text{SS} - \text{Medicare} - \text{Addl Med} - \text{Post-Tax}

Frequently asked questions

Does Texas have a state income tax?

No. Texas has no state income tax and no local income tax. The only taxes taken from your paycheck are federal income tax, Social Security tax (6.2%), and Medicare tax (1.45%). This means workers in Texas keep more of their pay compared to most other states.

What taxes are taken out of my paycheck in Texas?

Three taxes are withheld from your pay in Texas:

  • Federal income tax — based on your W-4 form, filing status, and earnings.
  • Social Security tax — 6.2% of your wages, up to $176,100 in 2025.
  • Medicare tax — 1.45% of all wages, plus an extra 0.9% on wages over $200,000 per year.

Texas does not withhold any state or local income tax.

How accurate is this Texas paycheck calculator?

This calculator uses the latest IRS Publication 15-T withholding tables and current FICA rates. It gives you a close estimate of your actual paycheck. However, your real paycheck may differ slightly because of rounding, mid-year changes to your W-4, employer-specific benefit costs, or other adjustments. Use the results as a reliable estimate, not an exact match to your pay stub.

What is the difference between the 2020 W-4 and the pre-2020 W-4?

The 2020 or later W-4 uses a five-step system. You enter your filing status, check a box if you have multiple jobs, claim dependent credits in dollars, and list other income or deductions. It does not use allowances.

The pre-2020 W-4 uses withholding allowances. Each allowance reduces the amount of tax withheld. If you have not filed a new W-4 since 2020, your employer may still use the old version.

Check with your employer to find out which version is on file.

What does the Step 2 checkbox on the W-4 do?

The Step 2 checkbox tells your employer you have more than one job or that your spouse also works. When you check this box, your employer withholds more federal income tax from each paycheck. This helps prevent you from owing a large amount when you file your tax return. If you or your spouse only have one job total, leave it unchecked.

What are pre-tax deductions?

Pre-tax deductions are amounts taken from your pay before taxes are calculated. Common examples include health insurance premiums, 401(k) contributions, HSA contributions, and dental or vision coverage. These deductions lower your taxable income, so you pay less in federal income tax and sometimes less in FICA taxes too.

What are post-tax deductions?

Post-tax deductions are amounts taken from your pay after taxes are calculated. Examples include Roth 401(k) contributions, wage garnishments, union dues, and charitable donations through payroll. These deductions do not lower your taxable income. You pay taxes first, then the deduction is removed from what is left.

What is the Social Security wage base?

The Social Security wage base is the maximum amount of earnings subject to the 6.2% Social Security tax each year. For 2025, the limit is $176,100. Once your total wages for the year reach this amount, no more Social Security tax is withheld for the rest of the year. Enter your year-to-date wages in the calculator so it can account for this cap.

What is the Additional Medicare Tax?

The Additional Medicare Tax is an extra 0.9% tax on wages over $200,000 per year. Your employer must start withholding this tax once your wages pass $200,000, regardless of your filing status. This is on top of the regular 1.45% Medicare tax. Your employer does not pay a matching share of this extra tax.

What is FUTA and do I pay it?

FUTA stands for the Federal Unemployment Tax Act. It is a tax that only your employer pays. It is not taken from your paycheck. The gross FUTA rate is 6.0% on the first $7,000 of each employee's wages per year. Most employers get a 5.4% credit, bringing the net rate down to 0.6%. This tax funds the federal unemployment system.

What is Texas SUTA tax?

Texas SUTA (State Unemployment Tax Act) is a state unemployment tax paid by your employer. It is not deducted from your paycheck. New employers in Texas typically pay a rate of 2.7%. Experienced employers receive a rate from the Texas Workforce Commission that ranges from 0.23% to 6.23%. The tax applies to the first $9,000 of each employee's wages per year.

Why does the calculator ask for my YTD gross wages?

YTD (year-to-date) gross wages tell the calculator how much you have already earned this calendar year. This matters because Social Security tax, FUTA, and SUTA all have annual wage caps. Once your wages reach the cap, those taxes stop being withheld. Entering your YTD wages gives you a more accurate result for paychecks later in the year.

How is federal income tax calculated on my paycheck?

The calculator uses the IRS percentage method from Publication 15-T. It takes your gross pay, subtracts pre-tax deductions that reduce federal taxable income, and converts the result to an annual amount. Then it subtracts the standard deduction (based on your filing status) and applies the federal tax brackets. The annual tax is divided by the number of pay periods to get the amount withheld per paycheck. Any extra withholding you request on your W-4 is added on top.

What pay frequency should I choose?

Choose the option that matches how often your employer pays you:

  • Weekly — paid every week (52 paychecks per year)
  • Bi-Weekly — paid every two weeks (26 paychecks per year)
  • Semi-Monthly — paid twice a month (24 paychecks per year)
  • Monthly — paid once a month (12 paychecks per year)

Check your pay stub or ask your employer if you are not sure.

Can I use this calculator if I am exempt from federal taxes?

Yes. Click "Yes" under Tax Exemptions, then check the box for Federal Income Tax. The calculator will set your federal withholding to $0. You can also check boxes for Social Security or Medicare if you qualify for those exemptions. Most workers are not exempt, so only use this if you meet the IRS requirements for exemption.

How does a 401(k) contribution affect my paycheck?

A traditional 401(k) contribution is a pre-tax deduction. It reduces your federal taxable income, so less federal income tax is withheld. However, it does not reduce your wages for Social Security or Medicare tax. A Roth 401(k) contribution is a post-tax deduction. It does not reduce any of your taxes. In both cases, the money goes to your retirement account but your take-home pay decreases.

What is the difference between gross pay and net pay?

Gross pay is your total earnings before anything is taken out. Net pay (also called take-home pay) is what you actually receive after federal taxes, FICA taxes, and all deductions are removed. This calculator shows both amounts so you can see exactly how much goes to taxes and deductions.

How is overtime pay calculated?

Under the Fair Labor Standards Act (FLSA), overtime is paid at 1.5 times your regular hourly rate for hours worked beyond 40 in a workweek. The calculator defaults to 1.5 times your hourly wage. If your employer pays a different overtime rate, you can change it. Enter the number of overtime hours you work per pay period and the calculator will add those earnings to your gross pay.

Does this calculator work for self-employed workers in Texas?

This calculator is designed for W-2 employees, not self-employed workers. If you are self-employed, you pay self-employment tax (15.3%) instead of having FICA split between you and an employer. You also handle your own estimated tax payments. A self-employment tax calculator would be a better fit for freelancers and independent contractors in Texas.

What does the employer cost section show?

The employer cost section shows taxes your employer pays on top of your wages. These include the employer's share of Social Security (6.2%), Medicare (1.45%), FUTA (0.6% net), and Texas SUTA. None of these amounts are taken from your paycheck. The section helps you understand the total cost your employer pays to employ you.

Related Finance calculators

All Finance calculators
Finance

Annual Income Calculator

Calculate your annual income from hourly, weekly, or monthly pay. Use our free annual income calculator to estimate your total yearly earnings quickly and accurately.

Open Finance

Army Pay Calculator

Estimate monthly Army pay by grade, years of service, and ZIP code. Includes BAH, BAS, special pays, RMC, taxable vs. tax-free split, and year comparison.

Open Finance

BAH Calculator

Calculate your Basic Allowance for Housing by duty station, pay grade, and dependency status. View monthly and annual rates across 2022 to 2025 with year-over-year changes.

Open Finance

Biweekly Paycheck Calculator

Calculate your biweekly paycheck after taxes and deductions. Free biweekly paycheck calculator shows gross pay, net pay, and withholdings instantly.

Open Finance

California Paycheck Calculator

Calculate California take-home pay with federal and state tax brackets, FICA, SDI, 401(k) deductions, and overtime. Supports 8 pay frequencies and multiple filing statuses.

Open Finance

Commission Calculator

Use our free commission calculator to quickly compute sales commissions. Enter your sale amount and rate to instantly calculate your earnings.

Open Finance

Gross Pay Calculator

Calculate hourly gross pay with ST, OT, and double-time rates or break down annual salary by pay period. Includes net-to-gross reverse and YTD tracker.

Open Finance

Hourly Paycheck Calculator

Estimate hourly take-home pay after federal, state, and FICA taxes. Supports multiple rates, overtime, W-4 settings, pre-tax deductions, and all 50 states.

Open Finance

Hourly Rate Calculator

Calculate your hourly rate from salary or project fees. Use our free hourly rate calculator to determine fair pricing for freelance and employment work.

Open Finance

Hourly to Salary Calculator

Convert your hourly wage to an annual salary with our free hourly to salary calculator. Instantly estimate yearly, monthly, and weekly earnings.

Open Finance

Military Pay Calculator

Estimate military compensation by pay grade, years of service, and ZIP code. Includes BAH, BAS, COLA, hazardous duty pay, combat zone tax exclusion, and annual breakdown charts.

Open Finance

Monthly Income Calculator

Estimate monthly income from YTD gross pay, check date, and hire date. Convert hourly, daily, weekly, biweekly, semimonthly, or yearly wages across all periods.

Open Finance

Net to Gross Calculator

Calculate gross, net, tax amount, and effective rate from any two inputs. Switch tax-from-net or tax-from-gross mode. Add a secondary tax rate, flat deduction, and view annualized breakdowns with charts.

Open Finance

Overtime Calculator

Free overtime calculator to compute your overtime pay instantly. Enter hours worked and hourly rate to calculate time-and-a-half and double-time earnings.

Open Finance

Pay Raise Calculator

Use our free pay raise calculator to quickly determine your new salary, hourly rate, and take-home pay after a raise. Calculate percentage and dollar increases.

Open Finance

Reverse Tax Calculator

Calculate the original price before tax from any total amount paid. Enter total price and tax rate, get a detailed breakdown, step-by-step math, and donut chart.

Open Finance

Salary Calculator

Calculate annual, monthly, biweekly, and hourly pay from salary or hourly wage. Estimates federal tax brackets, state tax, FICA, 401(k) deductions, and net take-home per paycheck.

Open Finance

Salary to Hourly Calculator

Use our free salary to hourly calculator to quickly convert your annual salary to an hourly wage. Find out how much you earn per hour based on your work schedule.

Open Finance

Take Home Pay Calculator

Calculate your take home pay after taxes and deductions. Free take home pay calculator shows your net income from gross salary quickly and accurately.

Open Finance

Wage Calculator

Convert wages across 8 pay frequencies from hourly to annual. Compare unadjusted and holiday/vacation adjusted pay with overtime rates at 1.5x and 2x.

Open Finance

Weekly Pay Calculator

Use our free weekly pay calculator to quickly figure out your gross and net weekly earnings. Enter your hourly rate or salary to get instant results.

Open