Texas Paycheck Calculator 2026

Use this payroll calculator for Texas to estimate your 2026 take-home pay from salary or hourly wages. Texas has no state or local income tax, so this calculator focuses on what does come out: federal W-4 withholding, Social Security, Medicare and your pre-tax and post-tax deductions. It also handles hourly pay and overtime after 40 hours a week.

Written by Rachel Brooks, Tax Forms and W-2 Content Specialist. Updated September 25, 2026. Every example is checked by hand against IRS Publication 15-T.

Calculate Take-Home Pay Texas Payroll Guide

Gross pay$2,307.69

Pay frequencyBiweekly

Taxes & deductionsCurrent

Federal income tax$193.08

Social Security + Medicare$176.54

Texas income tax$0.00

Estimated net pay$1,938.07

Example: $60,000 salary, paid biweekly, federal Single, no voluntary deductions. Use the calculator below for your own numbers.

No Texas income taxNo state or local wage tax line

Federal W-4 + FICA2026 brackets, $184,500 wage base

Salary or hourlyWeekly, biweekly, semimonthly and monthly pay

Texas Paycheck Calculator

Pay details

Pay type

Salary Hourly

Annual salary

Pay frequency

Federal Form W-4

Filing status

Step 3: Credits (annual dependent and other credits)

Step 4(a): Other annual income

Step 4(b): Deductions

Step 4(c): Extra withholding (per paycheck)

Step 2(c) Multiple jobs or spouse also works Exempt from federal income-tax withholding, when qualified

Need the form itself? Use our Form W-4 generator.

Texas payroll

Texas state income-tax withholding

Local wage income tax

Texas doesn't tax wages, so there's no state withholding form to fill in. Enter overtime hours (after 40 in a week) in the hourly overtime field.

Deductions

Traditional retirement (per paycheck, cuts federal income tax)

Section 125 / HSA (per paycheck, can cut FICA too)

Other post-tax deductions (per paycheck)

Advanced payroll fields

YTD Social Security wages (stops SS at the $184,500 base)

YTD Medicare wages (for Additional Medicare)

For high salaries, enter year-to-date Social Security wages so the current-paycheck estimate knows when the $184,500 annual Social Security wage base has been reached. The annual estimate always applies the annual wage-base cap.

84.0% Take home

Your paycheck

Take-home pay $1,938.07

Taxes $369.62

Other deductions $0.00

Where your money goes Current pay

Gross pay $2,307.69

Taxes

Federal income tax −$193.08

Social Security −$143.08

Medicare −$33.46

Additional Medicare $0.00

Texas income tax $0.00

Other payroll deductions

Traditional retirement $0.00

Section 125 / HSA $0.00

What You Should Know About Texas Paychecks

Texas doesn't tax wages, and neither does any Texas city or county. The only taxes withheld from a Texas paycheck are federal income tax, Social Security and Medicare, so a $60,000 salary paid biweekly keeps $1,938.07 of each $2,307.69 check.

Three of the four neighboring states tax wages (New Mexico, Oklahoma and Arkansas), and so does Louisiana, which matters if you commute. Work done in Texas is free of state income tax; work done across the line usually isn't.

Texas follows the federal $7.25 minimum wage and federal overtime rules. Unemployment insurance is paid by employers only.

$0 State income tax

No state or local wage tax in 2026.

$7.25 2026 minimum wage

Federal rate under the Texas Minimum Wage Act.

84% Kept at $60,000

$1,938.07 of each biweekly check.

Texas Paycheck Taxes at a Glance

Here's everything that can come out of a Texas paycheck in 2026 and which payroll taxes the employer pays instead. For more on the federal lines, see our FICA tax guide.

Texas employee paycheck items in 2026
Paycheck item	2026 treatment	Employee deduction?
Federal income tax	Based on wages, pay frequency and Form W-4	Yes
Social Security	6.2% up to the 2026 wage base of $184,500	Yes
Medicare	1.45% of all wages, plus 0.9% Additional Medicare above $200,000	Yes
Texas income tax	None; the Texas Constitution bars a personal income tax without voter approval	No
Local income tax	None; no Texas city or county taxes wages	No
State disability or paid leave	None in Texas	No
Unemployment tax	Employer-paid to the Texas Workforce Commission on the first $9,000 of each worker's wages	No

How Much More You Keep in Texas

The same $60,000 biweekly paycheck, filing single, run through our other state calculators with their default settings. Texas's advantage is the state tax line that isn't there.

State tax on a $60,000 salary, biweekly, single (2026)
State	State tax per paycheck	State tax per year
Texas	$0.00	$0
Oklahoma	$83.00	$2,158
New Mexico	$78.18	$2,033
Arkansas	$66.65	$1,733
Louisiana	$56.01	$1,456

Keep the whole picture in mind: Texas makes up the revenue with sales tax and some of the highest property taxes in the country, so homeowners give back part of the paycheck advantage. And the savings only apply to work done in Texas: live in El Paso and work in Las Cruces, and New Mexico taxes those wages.

Crossing State Lines for Work

Texas has no reciprocal agreements because it has no income tax to share. What matters is where you work and where you live.

How border commutes are taxed (2026)
You live in	You work in	State tax withheld	What you file
Texas	Texas	None	Federal return only
Texas	New Mexico, Oklahoma, Arkansas or Louisiana	The work state's tax	A nonresident return in the work state; no Texas return
New Mexico, Oklahoma, Arkansas or Louisiana	Texas	None by Texas; ask for home-state withholding	Your home state's resident return on all wages
Texas	Remote for an out-of-state employer	Usually none	Most states tax only work done inside their borders

A common surprise: Oklahoma and Louisiana residents who work in Texas often find nothing withheld for their home state, because the Texas employer isn't registered there. If that's you, ask payroll to withhold for your home state, or make estimated payments.

Texas Taxes Your Employer Pays

No income tax doesn't mean no payroll tax. Texas employers pay these on your wages, and none of them can be taken out of your check.

Texas employer payroll costs in 2026
Tax or program	2026 rule	Shows on your pay stub?
State unemployment tax (TWC)	Paid on the first $9,000 of each worker's wages; new employers generally start at 2.70%	Sometimes as an employer line, never as a deduction
Federal unemployment (FUTA)	0.6% on the first $7,000 after the state credit	No
Social Security and Medicare match	7.65% employer share	Sometimes as an employer line

Spot a problem? If a Texas pay stub shows a state income tax or unemployment deduction taken from your pay, ask your payroll team. It's usually a setup error, such as another state's code on a Texas worker.

What a Texas Pay Stub or Earnings Statement Must Show

Texas Labor Code Section 62.003 requires an employer to give each employee a written earnings statement at the end of every pay period.

Required Texas earnings-statement information
Required item	What should appear
Employee	Employee name
Rate of pay	Employee's rate of pay
Total pay	Total amount of pay earned
Deductions	Each deduction and its purpose
Net pay	Pay remaining after deductions
Hours or units	Hours worked for hourly employees or units produced for piece-rate employees

Official source: Texas Labor Code §62.003.

Texas Payday Law: Paydays, Final Pay and Deductions

Texas Payday Law basics
Situation	General rule
Non-exempt employees	Generally must be paid at least twice per month.
Exempt employees	Generally must be paid at least once per month.
Discharged employee	Final wages are generally due within six calendar days.
Employee quits	Final wages are generally due on the next regular payday.
Deductions	Other than deductions required or authorized by law or court order, deductions generally require specific written employee authorization.

Official guidance: pay frequency · final pay · payroll deductions.

Texas Teachers, TRS and Social Security

Texas public-school payroll can differ from a standard private-sector paycheck. TRS lists an 8.25% member retirement contribution and a 0.65% employee TRS-Care contribution for fiscal years 2026–2027 where TRS-Care applies.

Social Security coverage varies. Most TRS-covered employers do not participate in Social Security, but some do. Medicare generally applies to state and local government employees hired or rehired after March 31, 1986 unless an applicable federal exception applies. Confirm your actual Social Security and Medicare coverage with payroll.

Official references: TRS contribution rates · TRS employment guidance · SSA Medicare coverage.

Texas Salary Calculator: Take-Home Pay Examples for 2026

These Texas paycheck calculator salary examples show take-home pay across common annual incomes. For a Texas tax calculator salary estimate, start with the examples below. Biweekly pay and no pre-tax deductions. Single filers use federal Single; married filers use Married Filing Jointly with one income. To convert pay first, use our salary to hourly calculator, or model a raise with the pay raise calculator.

Texas take-home pay by annual salary (biweekly, 2026)
Annual salary	Single annual net	Single avg. monthly net	Married annual net	Married avg. monthly net
$30,000	$26,285	$2,190	$27,705	$2,309
$40,000	$34,320	$2,860	$36,160	$3,013
$50,000	$42,355	$3,530	$44,395	$3,700
$60,000	$50,390	$4,199	$52,570	$4,381
$75,000	$61,592	$5,133	$64,622	$5,385
$100,000	$79,180	$6,598	$84,710	$7,059
$120,000	$93,250	$7,771	$100,780	$8,398
$150,000	$113,791	$9,483	$123,185	$10,265

With no state tax, all withholding is federal. Here's the total per biweekly paycheck and the share of gross pay you keep, filing single.

Texas paycheck taxes by salary, biweekly, single (2026)
Salary	Gross per paycheck	Federal income tax	Total taxes	Share you keep
$30,000	$1,153.85	$54.62	$142.89	87.6%
$40,000	$1,538.46	$100.77	$218.46	85.8%
$50,000	$1,923.08	$146.92	$294.03	84.7%
$60,000	$2,307.69	$193.08	$369.62	84.0%
$75,000	$2,884.62	$295.00	$515.68	82.1%
$100,000	$3,846.15	$506.54	$800.77	79.2%
$120,000	$4,615.38	$675.77	$1,028.84	77.7%
$150,000	$5,769.23	$951.31	$1,392.65	75.9%

How to Calculate Your Texas Paycheck

A Texas paycheck goes from gross pay to take-home pay in four steps, and the last one is simple because there's no state tax.

Calculate gross pay

Divide salary by pay periods, or multiply the hourly rate by regular hours and add overtime at 1.5 times the rate after 40 hours a week.

Apply pre-tax deductions

Traditional 401(k) deductions and qualifying Section 125 benefits lower federal taxable wages.

Calculate federal tax and FICA

Use Form W-4 for federal income tax withholding, then take 6.2% for Social Security up to $184,500 and 1.45% for Medicare.

Finish Texas take-home pay

There's no Texas state or local income tax, so subtract any post-tax deductions and you have your take-home pay.

Texas Paycheck Worked Example: $60,000 Salary, Biweekly

Here's the paycheck at the top of this page run by hand: a $60,000 salary, federal Single, biweekly pay and no pre-tax deductions. Federal withholding follows IRS Publication 15-T for 2026.

Step-by-step 2026 Texas paycheck on a $60,000 biweekly salary
Step	Calculation	Result
1. Gross pay	$60,000 divided by 26	$2,307.69
2. Annualize for federal tax	$2,307.69 times 26, minus the $8,600 single adjustment	$51,399.94
3. Federal tax	$1,240 plus 12% of $31,499.94 (the amount over $19,900)	$5,020.00 per year, $193.08 per paycheck
4. Social Security	$2,307.69 times 6.2%	$143.08
5. Medicare	$2,307.69 times 1.45%	$33.46
6. Texas tax	No state or local income tax	$0.00

What it means for take-home pay: Gross pay of $2,307.69 minus $193.08 federal income tax, $143.08 Social Security and $33.46 Medicare leaves $1,938.07.

Texas Minimum Wage and Overtime in 2026

For hourly workers, use the Texas paycheck calculator hourly inputs to enter regular and overtime hours. This also provides the same calculations you would expect from a Texas hourly pay calculator. Texas has a state minimum wage law, and the Texas minimum wage currently matches the federal rate of $7.25 an hour. Covered employers must also follow federal Fair Labor Standards Act rules when federal law applies.

Texas minimum wage and pay rules
Rule	Amount or requirement	What it means for a paycheck
Texas minimum wage	$7.25 an hour	Texas currently uses the same minimum rate as the federal minimum wage
Tipped employees (federal)	$2.13 an hour cash wage	Tips must bring pay to at least $7.25
$15 an hour example	40 hours a week	$600 weekly gross; $524.02 take-home
Overtime	1.5 times the regular rate after 40 hours a week; no daily overtime	Enter overtime hours in hourly mode

Overtime example: $20 an hour for 80 regular and 10 overtime hours is $1,900 gross, and take-home pay is $1,610.50. To total a week of punches first, use our time card calculator with overtime.

Texas Hourly Paycheck Calculator

Texas has no state or local individual income tax, so hourly take-home pay is mainly affected by federal withholding, Social Security, Medicare, overtime and payroll deductions. Use hourly mode in the calculator above for a personalized estimate.

Texas hourly wage examples at 40 hours per week
Hourly rate	Weekly gross	Biweekly gross	Annual gross
$10	$400	$800	$20,800
$15	$600	$1,200	$31,200
$20	$800	$1,600	$41,600
$25	$1,000	$2,000	$52,000
$30	$1,200	$2,400	$62,400
$40	$1,600	$3,200	$83,200
$50	$2,000	$4,000	$104,000

For take-home pay: Use the calculator above because Form W-4 settings, overtime, deductions and year-to-date wages can change the net amount.

Texas Paychecks in Houston, Dallas, San Antonio and Austin

The wage-income-tax calculation is the same in Houston, Dallas, San Antonio and Austin because these cities do not impose a local individual income tax on wages. Federal withholding, Social Security, Medicare and payroll deductions still affect take-home pay.

For more on how deductions change taxable wages, see our pre-tax vs. post-tax deductions guide.

Texas Paycheck Tax Calculator: How Texas Payroll Works

For employee withholding, this is different from an employer payroll tax calculator for Texas. A Texas paycheck calculator is really a federal calculator with Texas pay rules on top. Your stub should show federal income tax, Social Security and Medicare, and nothing for state withholding (SIT). Our pay stub abbreviations list explains the codes you'll see.

Federal Withholding for Texas Paychecks

Federal withholding uses your Form W-4 and the 2026 federal brackets. The calculator supports filing status, Step 2(c), Step 3 credits and Step 4(a), 4(b) and 4(c). If you claim the new overtime or tips deductions, our W-4 Step 4(b) worksheet guide shows how to enter them, and our 2026 federal tax withholding guide covers the rest. For tipped restaurant and hospitality workers, the new federal tips deduction can make a real difference.

Working Across State Lines

Texas residents who work in New Mexico, Oklahoma, Arkansas or Louisiana owe that state's tax on those wages. People who live in those states and work in Texas owe no Texas tax, but their home state taxes the wages. See the border table above for how each case is withheld.

Bonuses

Only federal taxes apply to Texas bonuses. A bonus paid separately usually gets a flat 22% federal withholding plus FICA. See why bonuses are taxed so high.

Why Your Actual Texas Paycheck May Differ

This calculator is a close estimate, not your employer's payroll run. Your W-4 on file, benefit elections, overtime hours, year-to-date wages and a 27th biweekly payday in some years can all move the result a little. Three-paycheck months change monthly cash flow but not the tax on each check. For a full checklist, see why your paycheck is lower than expected. At year-end, our W-2 form generator can use the same totals.

Official 2026 Texas Payroll Sources

Payroll facts on this page are checked against the Texas Workforce Commission unemployment tax rates page, the Texas Comptroller of Public Accounts, the U.S. Department of Labor state minimum wage page and IRS Publication 15-T for 2026. Reviewed September 25, 2026.

Texas Paycheck Calculator by Pay Frequency

This page also works as a weekly, biweekly, semimonthly or monthly Texas payroll calculator. The annual salary stays the same, but gross pay and withholding on each check change with the number of pay periods. See our pay period guide for how the schedules differ.

52Weekly$969.04 net

26Biweekly$1,938.07 net

24Semimonthly$2,099.58 net

12Monthly$4,199.17 net

1Annual$50,390 net

Figures use a $60,000 salary, federal Single and no voluntary deductions. Texas tax is $0 at every pay frequency.

How We Test This Texas Paycheck Calculator

Every scenario below was run through the calculator on this page on September 25, 2026 and checked by hand against IRS Publication 15-T for 2026. Texas tax is $0 in every case. Scenarios are biweekly unless noted.

Texas paycheck test cases, checked September 25, 2026 (per paycheck)
Scenario	Gross pay	Federal income tax	Take-home pay
$30,000, single	$1,153.85	$54.62	$1,010.96
$60,000, single	$2,307.69	$193.08	$1,938.07
$60,000, head of household	$2,307.69	$151.85	$1,979.30
$60,000, Married Filing Jointly	$2,307.69	$109.23	$2,021.92
$60,000, $150 401(k)	$2,307.69	$175.08	$1,806.07
$60,000, $100 Section 125	$2,307.69	$181.08	$1,857.72
$45,000, Head of Household, $2,200 W-4 credit	$1,730.77	$0.00	$1,598.36
$100,000, single	$3,846.15	$506.54	$3,045.38
$150,000, single	$5,769.23	$951.31	$4,376.58
$60,000, weekly	$1,153.85	$96.54	$969.04
$60,000, monthly	$5,000.00	$418.33	$4,199.17
$20 an hour, 80 hours plus 10 overtime	$1,900.00	$144.15	$1,610.50
$25 an hour, 40 hours plus 5 overtime, weekly	$1,187.50	$100.58	$996.07
$7.25 an hour, 40 hours, weekly	$290.00	$0.00	$267.81

Update log: September 25, 2026: rewrote this page. The old version listed the wrong minimum wage ($14 rising to $15 on September 30) and called unemployment tax a "reemployment tax"; Texas follows the federal $7.25 and its program is unemployment tax paid to the Texas Workforce Commission. We moved the page to our current layout and added a comparison with neighboring states, a border-commute guide, employer-paid taxes, a salary table, a worked example and the test cases above. We re-check this page whenever the IRS or Texas agencies publish new figures, and at least once a year each January.

2026 Tax Data This Calculator Uses

Here's every rate and limit behind the numbers on this page and where it comes from, so you can check them yourself.

Tax rates and limits used by the Texas paycheck calculator
Item	2026 value used	Source
Federal income tax withholding	2026 brackets and standard deductions for Form W-4	IRS Publication 15-T (2026)
Social Security	6.2% up to $184,500 in wages	Social Security Administration
Medicare	1.45% of all wages, plus 0.9% above $200,000	IRS Publication 15 (2026)
Texas income tax	None	Texas Comptroller
Unemployment tax	Employer-paid on the first $9,000	Texas Workforce Commission
Minimum wage and overtime	$7.25 federal; overtime after 40 hours	U.S. Department of Labor

Spotted something that looks wrong? Tell us through the editorial contact form with the inputs you used, and we'll re-check the calculation. This page is written by Rachel Brooks and follows the research and review process on our editorial team page. ePayStubs isn't affiliated with the IRS or the State of Texas.

Texas Paycheck Calculator FAQ

Does Texas have a state income tax?

No. Texas doesn't tax wages or any other personal income, and a 2019 amendment to the Texas Constitution bars the Legislature from adding one without voter approval. No Texas city or county taxes wages either. The only taxes withheld from a Texas paycheck are federal income tax, Social Security and Medicare.

How much tax is taken out of a Texas paycheck?

On a $60,000 salary paid biweekly, filing single, $369.62 comes out of each $2,307.69 paycheck: $193.08 federal income tax, $143.08 Social Security and $33.46 Medicare. That leaves $1,938.07, or about 84% of gross pay.

What is Texas's minimum wage in 2026?

Texas uses the federal minimum wage of $7.25 an hour, set by the Texas Minimum Wage Act. Tipped employees can be paid $2.13 an hour if tips bring them to $7.25. Texas cities can't set a higher minimum for private employers.

Does Texas have daily overtime?

No. Texas follows federal law: time and a half after 40 hours in a workweek, with no daily overtime.

Is there a Texas tax on my paycheck for unemployment?

No. Texas unemployment tax is paid by employers to the Texas Workforce Commission on the first $9,000 of each worker's wages. It can't be taken out of your pay.

I live in Texas but work in another state. Which taxes apply?

The state where you work can tax those wages. If you live in El Paso and work in New Mexico, or live near the Red River and work in Oklahoma, your employer withholds that state's tax, and Texas has no income tax to credit it against.

I live in New Mexico, Oklahoma or Louisiana and work in Texas. Do I owe state tax?

Not to Texas. But your home state taxes all your income, so you'll usually owe home-state tax on your Texas wages. Ask your employer to withhold for your home state, or make estimated payments.

How are bonuses taxed in Texas?

Only federal taxes apply. Bonuses paid separately usually get a flat 22% federal withholding, plus 6.2% Social Security and 1.45% Medicare. There's no Texas withholding on bonuses.

Are 401(k) contributions pre-tax in Texas?

Yes, for federal income tax. A $150 biweekly 401(k) contribution on a $60,000 salary cuts federal withholding from $193.08 to $175.08. With no state tax, there's no state saving on top.

Why does Texas have no income tax?

Texas relies on sales tax, property tax and business taxes instead. Its property taxes are among the highest in the country, so homeowners give back part of the paycheck advantage.

How do I calculate take-home pay in Texas?

Start with gross pay, including overtime. Subtract pre-tax deductions, then federal withholding from your W-4, 6.2% Social Security up to $184,500 and 1.45% Medicare. Subtract post-tax deductions to get take-home pay. There's no state step.

Texas Payroll Resources

Texas Paystub Generator

Create a Texas pay stub with federal tax, FICA and deductions.

Form W-4 Generator

Prepare the federal withholding form behind your paycheck calculation.

W-2 Form Generator

Create a W-2 from year-end wage and withholding totals.

Ready to put your Texas numbers on a pay stub?

Use the same gross pay, federal tax, FICA and deduction details with our paystub generator to create a Texas pay stub.

Build My Texas Pay Stub

Written by: Rachel Brooks, Tax Forms and W-2 Content Specialist. Last updated: September 25, 2026. Checked against IRS Publication 15-T (2026), the Texas Workforce Commission, the Texas Comptroller and the U.S. Department of Labor.

Disclaimer: Estimates are for educational use and aren't tax or legal advice. Actual payroll withholding depends on the employee's Form W-4, year-to-date wages, benefits, deductions and employer payroll system. For more Texas payroll details, see our Texas Payroll Guide.

Official sources: TWC unemployment tax · Texas Comptroller · U.S. DOL minimum wage · IRS Publication 15-T (2026). Reviewed September 25, 2026.

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