Texas Paycheck
Calculator

Use the Texas Paycheck Calculator to estimate take-home pay after federal income tax, Social Security, Medicare and other payroll deductions. Texas does not have a personal state income tax, so a typical employee paycheck does not include Texas individual income tax withholding.

The Texas Comptroller identifies the absence of a personal income tax as a feature of the state's tax structure. Texas unemployment insurance is also an employer-paid tax. The Texas Workforce Commission states that employees do not pay unemployment taxes and employers cannot deduct those taxes from employee paychecks.

Source: Texas Comptroller: Texas Has No Personal Income Tax

Source: Texas Workforce Commission: Employer-Paid Unemployment Tax

How to Use the Texas Paycheck Calculator

To estimate a Texas paycheck, enter gross wages and the payroll information needed for federal withholding and employee deductions. A Texas state income tax withholding field is not required for ordinary wages.

• Gross taxable wages
• Hourly rate or annual salary
• Pay frequency
• Federal Form W-4 information
• Pre-tax deductions
• Post-tax deductions
• Overtime, commissions or bonuses
• Year-to-date Social Security wages

Does Texas Have State Income Tax Withholding?

No. Texas does not impose a personal state income tax, so employers do not calculate Texas individual income tax withholding from ordinary employee wages.

This means take-home pay estimates for Texas can focus on federal taxes and actual payroll deductions instead of a separate state wage withholding formula.

Source: Texas Comptroller: Texas Has No Personal Income Tax

What Federal Taxes Come Out of a Texas Paycheck?

Federal income tax, Social Security and Medicare can reduce a Texas paycheck even when state income tax does not apply or is calculated separately. Federal payroll taxes use national rules rather than Texas-specific rates.

Federal Income Tax Withholding

Federal income tax withholding depends on taxable wages, pay frequency and the employee's Form W-4 information. Employers use the IRS 2026 withholding methods instead of applying one flat percentage to every paycheck.

Source: IRS Publication 15-T

Social Security and Medicare

For 2026, the employee Social Security rate is 6.2% on covered wages up to $184,500. The employee Medicare rate is 1.45% on covered wages with no annual wage ceiling.

Source: SSA 2026 Contribution and Benefit Base

Source: IRS Publication 15

Does Texas Unemployment Tax Come Out of Employee Pay?

No. Texas unemployment insurance tax is an employer responsibility and cannot be deducted from an employee's paycheck.

The Texas Workforce Commission states that employers pay unemployment insurance taxes and reimbursements. For state unemployment tax calculations, Texas generally treats the first $9,000 of each employee's earnings in a calendar year as taxable wages.

Source: Texas Workforce Commission: Unemployment Benefits Basics for Employers

Source: Texas Workforce Commission: UI Taxable Wages

Texas 2026 Employer Unemployment Tax Does Not Change Employee Net Pay

Texas employer unemployment tax can change an employer's payroll cost, but it should not be subtracted when estimating an employee's take-home pay.

For 2026 rate calculations, Texas continues to use a $9,000 taxable wage base for unemployment tax. The employer's actual unemployment tax rate can vary according to experience and statewide components. Those employer-side differences do not create an employee unemployment tax deduction.

Source: Texas Workforce Commission: 2026 UI Tax Rate Estimator

What Can Be Deducted From a Texas Paycheck?

A Texas paycheck can still have significant deductions even though there is no state individual income tax.

• Federal income tax withholding
• Social Security tax
• Medicare tax
• Additional Medicare Tax when applicable
• Health or dental insurance
• Retirement plan contributions
• Health savings or flexible spending account contributions
• Court-ordered deductions
• Other authorized employee deductions

How to Estimate a Texas Paycheck

A Texas paycheck estimate generally starts with gross pay then applies federal payroll taxes and actual employee deductions.

• Determine gross wages for the pay period.
• Apply eligible pre-tax deductions when relevant.
• Calculate federal income tax withholding from Form W-4 information.
• Calculate Social Security and Medicare.
• Apply post-tax deductions.
• Subtract taxes and deductions from gross pay to estimate net pay.

Texas Hourly Paycheck Calculator

A Texas hourly paycheck estimate starts with the employee's hourly rate and the number of regular hours worked during the pay period.

Hourly Rate × Regular Hours = Regular Gross Pay

Add taxable overtime, commissions, bonuses or other compensation that belongs in the pay period before applying taxes and deductions.

Texas Salary Paycheck Calculator

For a salaried employee, gross pay per paycheck is generally calculated by dividing annual salary by the number of payroll periods.

• Weekly: annual salary ÷ 52
• Biweekly: annual salary ÷ 26
• Semimonthly: annual salary ÷ 24
• Monthly: annual salary ÷ 12

The result is gross pay rather than take-home pay. Applicable taxes, benefits and other deductions are applied afterward.

Gross Pay vs. Net Pay in Texas

Gross pay is compensation before payroll taxes and deductions. Net pay is the amount remaining after required withholding and authorized deductions.

Gross Pay - Taxes - Payroll Deductions = Estimated Net Pay

Two employees with the same gross wages can receive different Texas take-home pay because federal withholding, benefits, retirement elections and other payroll items can differ.

Why Your Texas Take-Home Pay May Be Different

Two Texas employees earning the same gross pay can receive different net pay because federal withholding and benefit elections vary.

• Federal Form W-4 information
• Overtime
• Bonuses or commissions
• Pre-tax benefits
• Retirement contributions
• Additional federal withholding
• Year-to-date Social Security wages
• Other employee-authorized deductions
• Payroll corrections