Texas Paycheck Calculator and Texas Salary Calculator
United States Uses United States federal and state tax and payroll rules. Updated
Texas salary calculator and paycheck calculator for 2026: federal withholding, FICA and deductions, with no state income tax to take out. Hourly or salary pay.
Educational estimate only. Not tax, legal, payroll, accounting, insurance, or financial advice. Consult a qualified authority before acting on a result.
Results
How to read this: the verdict describes how much room your numbers leave, not a decision or an offer. Change any input to see how much the result moves.
Paycheck guides
These guides explain the payroll concepts behind the calculator and link back to the specific paycheck tools for testing scenarios.
- How to calculate take-home pay
- Gross pay vs net pay
- How federal withholding works
- Salary vs hourly paycheck
- Bonus paycheck tax explained
For all guide topics, open Guides. For source and estimate boundaries, read Calculation Methodology and Sources and Assumptions.
When this calculator fits
Use this page as a Texas salary calculator or an hourly paycheck calculator; either way federal withholding and FICA carry the whole calculation, because Texas has no state wage income tax and no city or county wage tax to model. If you came looking for a Texas income tax calculator, the answer is the same tool: nothing comes out for the state, and the page shows exactly what does.
How to use this Texas paycheck calculator
Use this Texas paycheck calculator for a U.S. paycheck estimate with federal withholding, FICA, deductions, and no broad state wage income tax.
It also addresses related questions around Texas paycheck calculator, paycheck calculator Texas, paycheck calculator Texas hourly, Texas take home pay calculator, and paycheck calculator for Texas intent. The terms are grouped by the job a visitor is trying to complete, so the page stays readable instead of repeating the same phrase in different forms.
What matters for Texas paychecks
Texas wage checks are still affected by federal withholding, Social Security, Medicare, deductions, and any employer-specific payroll lines. The absence of a broad state wage income tax does not make a paycheck tax-free.
The result should be read as a paycheck estimate for Texas, not a payroll instruction. Confirm unusual cases, local tax rules, employer setup, and official withholding treatment with payroll or a qualified authority.
For hourly, salary, take-home, W-4, bonus and paystub questions, start from the U.S. paycheck calculator, which lists each page; all of them apply the same federal calculation this page does.
How other states are handled
| State handling | Paycheck page |
|---|---|
| No state wage income tax, so the estimate is federal withholding and FICA | Florida, Tennessee, Nevada, New Hampshire, South Dakota, Wyoming |
| No state income tax, but a state employee premium is still withheld | Alaska, Washington |
| State withholding modeled automatically from official guidance | California, North Carolina, Indiana, Georgia, Ohio, Pennsylvania, Illinois, Massachusetts |
| Partial coverage, with manual state withholding kept visible | New Jersey |
How the paycheck estimate is worked out
How Texas withholding is worked out
The line most often missing from a Texas paycheck is not the state one, it is the local one. This calculator does model city and district wage taxes where they genuinely exist: Philadelphia has a wired-in rate, and Ohio school district and Indiana county taxes are flagged for manual entry. None of that machinery applies in Texas, because no Texas city or county levies a tax on wages. The local field on a Texas estimate is empty for a structural reason, not because coverage is missing.
With neither a state nor a local layer, a Texas paycheck is federal withholding, Social Security, Medicare, and whatever the employer deducts. That makes overtime unusually legible here. An extra premium-rate hour raises gross pay, which lifts Social Security at 6.2% and Medicare at 1.45% immediately and pushes the period's federal withholding up its table, with nothing moving underneath. When a Texas check surprises you, the cause is almost always federal or a benefit change.
Texas is also the state where private employers may decline to carry workers compensation coverage and offer an occupational injury benefit plan instead. Employees of those employers can see a benefit line on the paystub with no counterpart in other states. It is an employer benefit item rather than a tax, so enter it in the pre-tax or post-tax deduction field according to how payroll treats it, rather than expecting the state engine to know about it.
State-level paycheck lines in Texas
| Line | How it is treated for 2026 |
|---|---|
| Texas income tax withheld | No line. Texas sits in the verified no-broad-wage-income-tax group, so the engine returns 0.00 and cites no state rule. |
| City or county wage tax | Nothing to model. No Texas locality levies a wage tax, so the local engine stays inactive rather than unverified. |
| Employee payroll contribution | Not modeled. Texas is not in the Alaska and Washington group where an employee-side state premium is calculated. |
| Occupational injury plan deduction | Possible at employers that do not carry workers compensation. It is a benefit deduction entered manually, not a state tax. |
| Federal lines that remain | Federal withholding, Social Security at 6.2% up to 184,500, and Medicare at 1.45% with no wage cap. |
A worked Texas paycheck
Take a single filer in Texas on $48,620 a year, paid every two weeks with no pre-tax deductions. $48,620 is the state's median annual wage across all occupations, so this sits near the middle of the Texas labor market rather than being a round number chosen to look tidy. The figures below are produced by running this page's own calculator, so they are what you would get by entering the same details in the form above.
Texas: $48,620 a year, paid biweekly
| Line | Amount per paycheck |
|---|---|
| Gross paycheck | $1,870.00 |
| Federal income tax | -$140.55 |
| Social Security | -$115.94 |
| Medicare | -$27.12 |
| State income tax | $0.00 |
| Estimated take-home pay | $1,586.39 |
That is $1,586.39 every two weeks, about $3,437.18 a month and $41,246.14 over a year, an effective paycheck tax rate of 15.17%. Median wage figures come from the U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025 state estimates, for all occupations.
Where these figures come from
Texas has no modeled state component, so the result carries no state rule source; the federal lines cite IRS Publication 15-T for 2026 withholding and IRS Publication 15 (2026) for Social Security and Medicare.
Why location coverage is labeled
No Texas locality levies a wage tax, so the local override on this page exists only for employer-specific amounts you already know. This is a real contrast with the states the site models locally: Philadelphia has an automatic resident and nonresident wage tax, Ohio school districts follow residence, and Indiana counties layer on top of the state rate. In Texas none of those categories exists, so the correct value for the local field is zero unless payroll shows you something specific. Texas cities fund themselves through property and sales taxes rather than a payroll levy.
Coverage stays labeled in the result either way. Where a rule is not verified it is named as unsupported rather than guessed, and a manual override field is available when you know the amount from payroll guidance or an official source.
What this page assumes
The calculator converts salary or hourly earnings into one gross paycheck, subtracts pre-tax deductions, annualizes federal taxable wages for a W-4-style withholding estimate, applies FICA, then subtracts any entered state/local withholding and post-tax deductions.
Federal and FICA calculations run locally from versioned 2026 rule data. State and local withholding are coverage-labeled: unsupported jurisdictions are not silently guessed, and you can enter known withholding amounts when you have them. This is not tax, legal, payroll, or financial advice.
Common paycheck calculator mistakes
- Assuming every Texas payroll line is automatic. Read the result coverage notes and use manual override fields for items outside verified support.
- Reading "no state income tax" as "no state line ever". Texas withholds nothing from wages, and that is the whole of it here. An employer can still deduct for benefits, garnishments or retirement, and work performed in another state is generally withheld under that state's rules rather than Texas's.
What this calculator leaves out: This calculator is an educational estimate. It does not provide tax, legal, payroll, accounting, insurance, or financial advice; it does not file forms; it does not know every employer-specific benefit rule, local tax, wage-base history, payroll correction, reimbursement, or year-to-date adjustment; and unsupported state or local rules are not silently guessed.
Frequently asked questions
Does Texas have state income tax on wages?
Texas does not have a broad state wage income tax. The calculator still applies federal withholding and FICA, and it lets you enter any known local or employer-specific payroll amounts instead of guessing them.
Does any Texas city withhold a wage tax the way Philadelphia does?
No. No Texas city or county levies a tax on wages, so the local withholding line on a Texas estimate stays at zero. That is different from a coverage gap: the calculator leaves the local field open for cities it has not verified, but in Texas there is no local wage tax to verify in the first place.
I work in Texas but live in another state. Which rules does the calculator use?
It uses the work state you select for the state withholding component, and it returns a manual-review status when the residence state is different. It does not apply reciprocity, nonresident allocation, or resident-credit rules automatically. Use the state override for a known amount, and confirm multi-state treatment with payroll or a qualified authority.
Texas is a community property state. Does that change my withholding?
Not per paycheck. Community property rules govern how spouses report and divide income on a return, not what an employer withholds from a given period. Your check follows your own wages, your Form W-4 entries, and your deductions. Any community property effect shows up at filing time rather than in this estimate.
Sources
The rules this estimate applies, each linked to the official publication it was taken from. This state adds no wage-tax rule of its own, so the federal rules are the whole list.
- IRS Publication 15-T (2026), Worksheet 1A and 2026 Percentage Method Tables for Automated Payroll Systems — reviewed 13 August 2026, in force 1 January 2026 to 31 December 2026.
- IRS Publication 15 (2026), Social Security and Medicare tax rates — reviewed 13 August 2026, in force 1 January 2026 to 31 December 2026.
This page is an educational estimate, not personal financial or tax advice. Withholding on a real paycheck depends on the W-4 on file and on payroll items this calculator does not see.