Texas Paycheck Calculator: 2026 Tax Estimates
Using our Texas Paycheck Calculator (2026), you can instantly see why the Lone Star State is a top destination for workers and businesses alike. Whether you’re part of the Austin tech boom, the energy sector in Houston, the financial hubs of Dallas-Fort Worth, or the healthcare systems in San Antonio, this tool reflects Texas’s legendary status as an income-tax-free state. Since there is no state tax on your earnings, our calculator focuses on federal withholding and FICA to show your net take-home pay in Texas.
How to Use the Texas Paycheck Calculator
Use this calculator to estimate your take-home pay in Texas after taxes and deductions. Follow these simple steps:
- Select Your State: Choose your state (e.g., Texas) to apply the correct tax rules.
- Enter Salary / Rate: Input your annual salary or hourly wage based on your pay type.
- Choose Pay Type: Select whether your income is calculated annually or hourly.
- Select Pay Frequency: Choose how often you get paid (weekly, biweekly, etc.).
- Choose Filing Status: Select your tax filing status (Single, Married, etc.).
- Add Deductions: Enter contributions like 401(k) and health insurance to reduce taxable income.
- Include Bonus & Overtime: Add any annual bonus and overtime income to calculate total earnings accurately.
- Customize Taxes (Optional): Adjust federal and Texas state tax brackets to match your situation or test different scenarios.
- Calculate Paycheck: Click the button to see your net paycheck, tax deductions, and full breakdown instantly.
Taxes in Texas
Texas is one of the few states with no state individual income tax, a right protected by the state constitution. This means you will see $0 withheld for state taxes on your paycheck, regardless of your salary level. There are also no local or city income taxes in Texas. While the state is funded through other means—primarily a 6.25% state sales tax and property taxes—your personal income remains entirely your own at the state level. For 2026, the Texas minimum wage remains aligned with the federal standard of $7.25 per hour.
All Texas employees are also subject to Federal Income Tax and FICA (Social Security and Medicare) withholdings.
Federal and FICA Pillars in Texas
Federal Income Tax
Federal income tax is the primary deduction from your Texas paycheck, calculated using the 2026 progressive IRS brackets (10% to 37%). For 2026, the federal standard deduction is $16,100 for single filers, ensuring that your initial earnings are shielded from any federal withholding.
FICA Withholdings
FICA is the combined 7.65% for Social Security and Medicare. In 2026, the 6.2% Social Security portion only applies to the first $184,500 you earn. Because there is no state income tax, the increase in take-home pay once you hit this 'FICA cap' is especially noticeable for high earners in Texas.
Texas Salary Case Study
$75,000
Annual Gross Pay
$61,230
Est. Net Take-Home
For a Single filer in Texas earning $ 75,000 per year, the estimated breakdown is as follows:
- Federal Tax -$8,032
- TX State Tax $0
- FICA (Social Security + Medicare) -$5,738
Maximize Your Texas Paycheck
Use these strategies to keep more of your money in Texas:
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Frequently Asked Questions (FAQ)
Does Texas have a state income tax in 2026?
No. Texas has no state individual income tax on wages, interest, or dividends.
What is the Texas minimum wage in 2026?
The Texas minimum wage is $7.25 per hour, which matches the federal minimum wage.
Are there city income taxes in Houston or Dallas?
No. There are no municipal, city, or county income taxes anywhere in the state of Texas.
Does Texas tax Social Security or pensions?
No. Because the state has no income tax, all forms of retirement income, including Social Security and pensions, are 100% exempt from state taxes.
What is the 2026 federal standard deduction?
For the 2026 tax year, the federal standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly.
What is the 2026 Social Security wage base?
In 2026, the 6.2% Social Security tax is only withheld on the first $184,500 of your gross earnings.
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Disclaimer: This calculator is provided for educational and estimation purposes only. It does not constitute tax, legal, or financial advice. We strive for accuracy using 2024 IRS brackets and Texas state rules, but complex individual tax situations may vary.