Texas Paycheck Calculator
Texas takes nothing out of your paycheck — no state income tax, no local wage taxes, and no employee-paid state insurance contributions. What leaves a Texas paycheck is entirely federal, and this calculator shows each of those lines.
On this page
What actually comes out of a Texas paycheck
Three things, and all of them federal: income tax withholding, Social Security at 6.2% (until wages pass the 2026 wage base), and Medicare at 1.45% (plus the 0.9% Additional Medicare Tax on wages above $200,000). There is no fourth line. Texas has never levied a personal income tax, and since 2019 its constitution — amended by a two-thirds public vote — forbids one outright, so this is not a rate that might change with next year's budget.
That makes the Texas calculation the cleanest on this site, and it makes the comparison the interesting part: a $75,000 single earner keeps roughly $4,000–$6,000 more per year in Texas than the same earner in a high-tax state, purely on the state income tax line.
No income tax is not no tax
Texas funds itself elsewhere, and anyone budgeting a move should know where. Property taxes are among the highest effective rates in the country — often 1.6%–2% of home value per year, thousands of dollars that never appear on a pay stub. State and local sales tax reaches 8.25% in most cities. Your paycheck is untouched; your house and your receipts are not.
Worked examples
| Annual salary | Texas income tax | Federal income tax | Social Security & Medicare | Take-home per biweekly check | Annual take-home |
|---|---|---|---|---|---|
| $50,000 | $0 | $3,820 | $3,825 | $1,629.04 | $42,355 |
| $75,000 | $0 | $7,670 | $5,738 | $2,368.94 | $61,593 |
| $100,000 | $0 | $13,170 | $7,650 | $3,045.38 | $79,180 |
Single filer, paid biweekly, no pre-tax deductions or dependents entered. Generated by the same calculation engine as the calculator above.
What your employer still withholds
Your W-4 drives the federal withholding line, and it is the only lever you control per paycheck in Texas. Pre-tax 401(k) contributions reduce federal income tax (though not Social Security or Medicare); Section 125 health premiums and HSA contributions reduce all three. The unemployment insurance that covers Texas workers is employer-paid and never appears on your stub.
Official sources
Every figure in this calculator traces to one of these publications; nothing is estimated from third-party summaries.
- Texas Comptroller of Public Accounts — Taxes — the taxes Texas does levy; personal income tax is not among them.
- IRS Rev. Proc. 2025-32 — the 2026 federal brackets and standard deduction behind the federal line.
- SSA contribution and benefit base — the 2026 Social Security wage base used for the 6.2% line.
Last reviewed: July 30, 2026.
Frequently asked questions
Is it true Texas can never introduce an income tax?
Close to it. A 2019 constitutional amendment, approved by voters, prohibits an individual income tax outright. Repealing that would take another two-thirds vote of both legislative chambers plus a statewide referendum — a far higher bar than passing a tax bill.
Why does my Texas paycheck still shrink every year?
The federal side moves. The Social Security wage base rises most years, health premiums climb, and a raise can push you into a higher federal bracket or past the $200,000 Additional Medicare threshold. Texas itself takes the same amount every year: nothing.
Do Austin, Dallas, or Houston tax wages?
No. Texas municipalities cannot levy income or wage taxes. Local governments rely on property and sales taxes instead, which is exactly where Texas's overall tax burden sits.
I moved from a state with income tax mid-year. What happens?
You will likely owe part-year tax to the state you left, on the wages you earned while resident there. Texas wants nothing for its part of the year. Check the former state's part-year resident rules — several states are aggressive about the move date.
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This calculator is provided for general educational and estimation purposes only. It does not constitute tax, legal, accounting, or financial advice. This is an estimated take-home pay calculation: your employer's actual withholding may differ based on your federal and state withholding forms, payroll timing, local taxes, benefits and employer payroll settings. Review official IRS and state guidance or consult a qualified tax professional before making decisions.