Texas Paycheck Calculator 2026
Estimate your 2026 take-home pay in Texas from your salary. Texas has no state income tax, so only federal income tax, Social Security and Medicare come off, with every rate shown and editable.
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About the Texas Paycheck Calculator
The Texas Paycheck Calculator estimates what is left of a salary earned in Texas in the 2026 tax year, after federal income tax, Social Security, Medicare and nothing else, because Texas has no state income tax. Enter your gross salary per year, month, 4 weeks, 2 weeks or week, choose your filing status and, if you save into a traditional 401(k), the share of pay you defer. The result shows net pay per year, per month and per pay period, the total deductions and their share of your gross pay, and a line-by-line breakdown. Every line names its scope ("United States · federal" or "Texas"), the 2026 tax year and the rate it charges.
This page opens with Texas already chosen. The same calculator covers the other states with confirmed 2026 values on the main Net Salary Calculator and the federal Paycheck Calculator.
What comes off a Texas paycheck
Federal lines
Federal income tax uses the 2026 rate schedule from IRS Rev. Proc. 2025-32 on your wages minus the 401(k) and the standard deduction (16,100 single, 32,200 married filing jointly, 24,150 head of household). Social Security is 6.2% of wages up to 184,500, Medicare 1.45% of all wages, and Additional Medicare 0.9% of wages above 200,000 (250,000 for married filing jointly).
Texas lines
Texas has no personal income tax and no statewide employee payroll deduction, so a Texas paycheck carries only the federal lines. The Texas constitution bars a personal income tax, and employers pay state unemployment tax themselves.
- State income tax: none
- State payroll deductions: none
Your 401(k)
A traditional 401(k) contribution lowers federal taxable income, but not Social Security or Medicare. The 2026 elective deferral limit is 24,500; a larger percentage is capped there and the page says so.
Worked example
75,000 a year, single
Taxable income is 75,000 − 16,100 = 58,900. Federal income tax is 10% of 12,400 + 12% of 38,000 + 22% of 8,500 = 1,240 + 4,560 + 1,870 = 7,670.00. Social Security is 4,650.00 and Medicare 1,087.50. Net pay is 61,592.50 a year, 5,132.71 a month. With a 10% 401(k) the pension is 7,500.00, federal tax falls to 6,020.00 and net pay is 55,742.50.
What the estimate leaves out
Texas has no city or county income tax on wages, so no local tax is missing from a Texas result. The estimate also leaves out credits such as the child tax credit and the earned income credit, itemised deductions, bonuses and supplemental-wage withholding, and the 2025 law's deductions for tips, overtime, seniors and car-loan interest. Married filing jointly assumes one earner. The page works out the 2026 annual liability, not the amount your employer withholds from each paycheck under Publication 15-T, so a payslip can differ by a little each period.
Edit and reset the rates
Every rate sits in the Tax rates panel as a field, with its scope, the tax year and its default beside it. Thresholds, wage bases and allowances show as read-only text. Change a rate and the result updates at once, with an "Edited" marker on the field; Reset to 2026 defaults puts every rate back. Changing the state also restores the defaults. To see what your gross pay is before any tax, use the Gross Pay Calculator.
Official sources
The rules are checked against these pages; the header of the calculator shows the month they were last checked.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary and the rates you enter are not stored or sent anywhere.
Frequently asked questions
What comes off a paycheck in Texas?
Federal income tax, Social Security (6.2% up to 184,500) and Medicare (1.45%, plus 0.9% above 200,000). Texas has no state income tax and no statewide employee payroll deduction.
Does a 401(k) lower Texas taxes?
Texas has no state income tax for a 401(k) to lower. A traditional 401(k) lowers federal income tax only, and Social Security and Medicare still apply to the full wage.
Are local taxes in Texas included?
Yes, because there are none: Texas cities, counties and school districts do not tax wages, so no local income tax is missing from the result.
What is take-home pay on 75,000 in Texas?
For a single filer: federal income tax 7,670.00, Social Security 4,650.00 and Medicare 1,087.50, so 61,592.50 a year or 5,132.71 a month.
Can I change the Texas rates?
Yes. Every federal and Texas rate is a field in the Tax rates panel with its 2026 default beside it. Edit any of them to see the effect, and press Reset to 2026 defaults to restore them all.