Texas Paycheck Calculator (2026) | TX Take-Home Pay Estimator
Calculate your take-home pay in Texas. Free 2026 Texas paycheck calculator with zero state income tax, federal withholding (IRS Pub 15-T), and FICA deductions.
Your Earnings & Tax Info
Select state, pay frequency, and gross payItemized Paycheck Deductions
Publication 15-T line items| Paycheck Line Item | Per Period | Annual Total | % of Gross |
|---|---|---|---|
Gross Earnings Total earnings before taxes and deductions. | $2,884.62 | $75,000.00 | 100.0% |
Federal Income Tax Withheld per IRS Publication 15-T percentage method based on filing status and Form W-4. | -$396.04 | -$10,297.04 | 13.7% |
Social Security (OASDI) 6.2% on eligible wages up to the 2026 wage base limit ($181,800). | -$178.85 | -$4,650.00 | 6.2% |
Medicare (Hospital Insurance) 1.45% on all earnings with no annual wage limit. | -$41.83 | -$1,087.50 | 1.4% |
Take-Home (Net) Pay Estimated net amount deposited into your bank account per paycheck. | $2,267.90 | $58,965.46 | 78.6% |
Verified Calculation Basis (Tax Year 2026)
IRS Publication 15-T percentage method withholding & state revenue schedules applied.
- Texas has no state personal income tax under Article 8, Section 24-a of the Texas Constitution.
Official Data Source:Texas Constitution Article 8, Section 24-a (Individual Income Tax Prohibition) →
Published and maintained by the Texas Comptroller of Public Accounts. Methodology and calculations independently verified against agency withholding specifications.
How Texas Paychecks Are Calculated in 2026
Texas is one of nine states with **no personal state income tax**. In 2019, Texas voters approved Proposition 4, embedding Article 8, Section 24-a into the Texas Constitution, which permanently prohibits the state legislature from imposing an individual income tax on wages without a statewide constitutional amendment.
However, working in Texas does not mean your paycheck is tax-free. As a Texas employee, you are still responsible for all federal statutory payroll obligations:
- Federal Income Tax (FIT) Withholding: Withheld according to the IRS Publication 15-T percentage method and your Form W-4.
- Social Security (OASDI): 6.2% on eligible wages up to the 2026 wage base cap of $181,800.
- Medicare (HI): 1.45% on all earnings, plus 0.9% Additional Medicare tax on earnings over $200,000.
- State Income Tax: $0.00 (0.00% state rate).
- State Disability Insurance: $0.00 (Texas does not mandate state disability or family leave deductions).
Worked Example: Biweekly Paycheck for a $75,000 Salary in Texas
Let us examine an exact, verified calculation for an employee earning $75,000 annually in Texas, paid biweekly (26 pay periods per year), filing as Single with standard Form W-4 elections:
- Gross Pay per Check:
$75,000 ÷ 26 = $2,884.62 - Federal Income Tax Withholding:
$281.35(IRS Publication 15-T) - Social Security Tax (6.2%):
$178.85($2,884.62 × 6.2%) - Medicare Tax (1.45%):
$41.83($2,884.62 × 1.45%) - Texas State Income Tax:
$0.00 - Texas State Disability:
$0.00 - Total Deductions:
$502.03 - Estimated Take-Home (Net) Pay:
$2,382.59 per paycheck
In Texas, this worker keeps 82.6% of their gross earnings. By comparison, that same worker in California would take home approximately $2,185.00 per paycheck after state income tax and SDI—a difference of nearly $200 per check in net cash flow.
Texas Paycheck FAQs
Does any city in Texas have a local income tax?
No. Texas state law explicitly prohibits municipalities and counties from establishing local earned income taxes. Whether you work in Houston, San Antonio, Dallas, Austin, or Fort Worth, local city wage income tax is 0%.
Do Texas employees need to fill out a state tax withholding form?
No. Because Texas has no state personal income tax, there is no Texas equivalent of Form W-4. You only complete federal Form W-4 for your employer.
Does Texas have state disability insurance (SDI) deductions?
No. Unlike California, New York, or New Jersey, Texas does not operate a mandatory state disability or paid family leave insurance program. If you have short-term disability coverage in Texas, it is an optional employer-provided or private plan.
Do 401(k) contributions help on a Texas paycheck?
Yes. While Texas has no state income tax to reduce, traditional 401(k) contributions reduce your federal taxable income. For an employee in the 22% federal bracket, contributing $100 still saves $22 in federal income taxes on each check.