Texas Paycheck Calculator

Calculate your take-home pay per paycheck for salary and hourly jobs after federal & Texas taxes

Updated for 2025 tax year on Feb 14, 2025

Calculate your paycheck in these states

How to calculate your Texas paycheck

Overview of Texas

Texas has a population of over 28 million (2020) and is the second-largest US state.

Brief summary of Texas state income tax:

• zero state income tax
• no state payroll tax
• no state-level standard deductions and exemptions

Understanding your Texas paycheck

Two towering figures loom large in the vast financial territory of Texas paychecks: federal income taxes and FICA taxes. Federal income taxes depending on your income, filing status, and exemptions. FICA taxes, on the other hand, support Social Security and Medicare. The self-employed face a more challenging financial frontier, bearing the entire 15.3% FICA tax burden, though certain deductions may help soften the impact.

The FICA tax frontier expands for those with income exceeding $200,000. These high-income earners face an additional Medicare tax of 0.9%, bringing their total FICA tax rate for Medicare to 2.35%—a critical consideration when planning your financial journey.

Form W-4 serves as a map for your employer, guiding them to the appropriate amount of federal income tax to withhold from your paycheck. This form takes into account your filing status, income, and dependents. Keep your W-4 updated whenever significant life changes occur, such as marriage or the birth of a child.

Your marital status and pre-tax deductions are crucial in navigating the Texas financial landscape. Pre-tax deductions, such as 401(k) contributions or Health Savings Account (HSA) deposits, reduce your taxable income and may lower your overall tax burden.

In the Lone Star State, you’ll find a unique tax oasis. Texas lacks a state income tax, payroll tax, standard deductions, and exemptions. This absence of state taxes makes it essential to focus on federal tax planning strategies to optimize your financial situation.

The final stretch of your Texas paycheck adventure lies in the realm of post-tax deductions. After calculating taxes, these deductions are taken from your pay and may include union dues, charitable donations, wage garnishments, or after-tax retirement account contributions. Understanding post-tax deductions empowers you to assess your take-home pay accurately and make well-informed financial decisions.

Calculate your Texas paycheck

Calculating your Texas state income tax is different from the steps we listed on our main paycheck calculator page:

1. Determine your gross income
   • Annual salary
     Annual salary = Gross income
   • Hourly wage
     Hourly wage × Hours worked per day × Days worked per week × Weeks worked per year = Your weekly paycheck
2. Work out your total federal income tax
   1. Gross income adjusted
      Gross income − Pre-tax deductions = Gross income adjusted
   2. Federal taxable income
      Gross income adjusted − Federal standard/itemized deductions = Federal taxable income
   3. Federal income tax liability
      Federal taxable income × Federal income tax rate = Federal income tax liability
   4. Federal payroll tax liability
      Gross income × Federal payroll tax rate = Federal payroll tax liability
3. Figure out your net pay
   You need to account for any other deductions such as health insurance, 401(k) contribution, as well as additional withholdings.
   Gross income − (Total income tax liability + Total payroll tax liability + Total pre-tax deductions + Total post-tax deductions + Total withholdings) = Your net pay
4. Divide your net pay by your pay frequency
   
   • Daily
     Your net pay / Days worked per week / Weeks worked per year = Your daily paycheck
   • Weekly
     Your net pay / 52 = Your weekly paycheck
   • Bi-weekly
     Your net pay / 26 = Your bi-weekly paycheck
   • Semi-monthly
     Your net pay / 24 = Your semi-monthly paycheck
   • Monthly
     Your net pay / 12 = Your monthly paycheck
   • Quarterly
     Your net pay / 4 = Your quarterly paycheck
   • Semi-annual
     Your net pay / 2 = Your semi-annual paycheck
   • Annual
     Your net pay = Your annual paycheck

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