Texas Take-Home Pay Calculator

Texas take-home pay starts with gross annual pay or hourly earnings. WageBreakdown then subtracts a simplified federal income tax estimate, Social Security, Medicare, Additional Medicare Tax when wages are above the high-income threshold, and any optional deductions you enter.

Texas state income tax is applied as $0 because Texas does not have an individual state income tax on wages. Texas also does not add a separate state disability insurance withholding line.

• Start with gross annual pay or hourly earnings.
• Estimate simplified federal income tax.
• Subtract Social Security up to the 2026 wage base of $184,500.
• Subtract Medicare on all wages.
• Add Additional Medicare Tax above the high-income threshold when applicable.
• Apply Texas state income tax as $0.
• Subtract any optional deductions entered in the calculator.

Texas does not collect individual state income tax, so there is no Texas state income tax withholding line in this calculator. That does not mean Texas paychecks are tax-free.

Federal income tax, Social Security, Medicare, and Additional Medicare Tax when applicable can still reduce take-home pay. For many Texas workers, the biggest paycheck deductions are federal income tax, Social Security, Medicare, health insurance, retirement contributions, and other employer deductions.

Texas does not collect individual state income tax on wages, but federal taxes, benefits, retirement contributions, health insurance, bonuses, overtime, and employer deductions can still reduce take-home pay.

A Texas paycheck estimate can still differ from your actual deposit because your employer uses your W-4 elections, pay frequency, benefit deductions, retirement contributions, health insurance, garnishments, bonus rules, overtime earnings, and payroll setup.

This page is a simplified educational estimate, not exact withholding advice. It is useful for planning, but your paystub or employer payroll system has the final details for an exact paycheck.

Texas minimum wage generally follows the federal minimum wage unless a specific employer, contract, local rule, or other applicable requirement gives the worker a higher rate.

Texas generally follows the federal weekly overtime framework for nonexempt employees. Under federal FLSA rules, covered nonexempt employees usually receive overtime after 40 hours in a workweek at not less than one and one-half times the regular rate of pay.

Texas does not add a separate statewide daily-overtime system for most workers. Some workers may have different rules depending on exemption status, contract terms, industry, employer policy, or the type of work performed. This page is educational and is not legal advice.