Texas Paycheck Calculator

How to use the Texas paycheck calculator

1. Pick salary or hourly and enter your pay.
2. For hourly jobs, add your hours and overtime.
3. Choose your pay schedule. Many Texas employers pay twice a month or every two weeks.
4. Select your filing status (single, married filing jointly or head of household).
5. Add 401(k), health insurance or other deductions.
6. See your Texas take-home pay right away.

Texas paycheck taxes (2026)

Texas doesn't tax personal income, and a 2019 amendment to the Texas Constitution bans a state income tax unless voters approve one. Texas pays for state services mainly through sales and property taxes, so your paycheck is taxed less, but property taxes in Texas are higher than in many states. Keep that in mind when comparing the cost of living.

How your Texas paycheck is calculated

1. Gross pay: salary ÷ paychecks per year, or hourly rate × hours (+1.5× for hours over 40 in a week).
2. Pre-tax deductions: 401(k), HSA and Section 125 health premiums lower your taxable pay.
3. Federal income tax: taxable income = yearly pay − pre-tax deductions − standard deduction ($16,100 single / $32,200 married filing jointly / $24,150 head of household), taxed with the 2026 brackets.
4. Social Security (6.2%) and Medicare (1.45%).
5. Texas state tax: $0.
6. Net pay = gross − taxes − deductions.

2026 federal brackets (single): 10% to $12,400 · 12% to $50,400 · 22% to $105,700 · 24% to $201,775 · 32% to $256,225 · 35% to $640,600 · 37% above.

Worked example: $75,000 salary in Texas

A single worker in Texas earns $75,000 a year, is paid twice a month (24 paychecks), and has no pre-tax deductions.

1. Taxable income: $75,000 − $16,100 = $58,900
2. Federal income tax:
   • 10% × $12,400 = $1,240
   • 12% × ($50,400 − $12,400) = 12% × $38,000 = $4,560
   • 22% × ($58,900 − $50,400) = 22% × $8,500 = $1,870
   • Total: $7,670
3. Social Security: 6.2% × $75,000 = $4,650
4. Medicare: 1.45% × $75,000 = $1,087.50
5. Texas income tax: $0

Amounts are rounded to the cent.

• Effective federal income tax rate: $7,670 ÷ $75,000 = 10.2%
• Marginal federal rate: 22%
• Take-home share: 82.1% of gross pay

Texas salary calculator: common salaries after tax (2026)

Single filer, no deductions, no state tax:

How the table was calculated: $40K → taxable $23,900 → $1,240 + 12% × $11,500 = $2,612. $100K → taxable $83,900 → $1,240 + $4,560 + 22% × $33,500 = $13,170.

Texas minimum wage and pay rules

• Minimum wage: Texas uses the federal minimum wage of $7.25 an hour. Tipped employees can be paid $2.13 an hour in cash wages if tips bring them up to at least $7.25.
• Overtime: Texas follows the federal rule: 1.5× the regular rate for hours over 40 in a workweek. Texas has no daily overtime rule.
• Payday law: under the Texas Payday Law, most non-exempt employees must be paid at least twice a month, and exempt employees at least once a month.

Texas paycheck tips

• No state tax return is needed for wages in Texas. You still file a federal return.
• Moving to Texas? Income earned before the move may still be taxed by your old state.
• Check your W-4 each year, especially if you have a second job or a working spouse. Federal tax is the only income tax withheld, so getting it right matters.
• Overtime and tips: for 2025–2028, eligible workers may deduct up to $12,500 of qualified overtime premium pay and up to $25,000 of qualified tips on their federal return. Try the overtime tax calculator.

Sources

• Texas Comptroller of Public Accounts: Texas has no personal income tax
• Texas Workforce Commission: Texas Payday Law and minimum wage
• IRS: 2026 tax brackets and standard deduction (Rev. Proc. 2025-32)
• Social Security Administration: 2026 wage base ($184,500)
• U.S. Department of Labor: federal minimum wage and tipped wage