Use this free Texas paycheck calculator to see your 2026 take-home pay from a salary or an hourly wage. Texas has no state income tax, so it shows exactly what comes out of each paycheck: federal income tax, Social Security, Medicare and your benefits, per paycheck and per year.
How Texas Paycheck Taxes Work: 2026 Guide
Updated for 2026. Texas has no state income tax, no state disability insurance and no local income tax on wages. Your paycheck pays federal income tax (standard deduction $16,100 single, $32,200 married filing jointly), Social Security on the first $184,500 of wages, and Medicare. Every figure on this page comes from the IRS, SSA or a Texas state agency.
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How your Texas paycheck is calculated
A Texas paycheck has fewer steps than in most states because there is no state tax to withhold. Your employer starts with your gross pay, removes pre-tax benefits, withholds federal taxes, takes any after-tax deductions and pays you the rest.
- Gross paySalary, or hours × rate, plus overtime, bonuses and tips
- Pre-tax deductions401(k), health premiums, HSA, FSA, commuter benefits
- Federal taxesFederal income tax, Social Security and Medicare
- After-tax deductionsRoth 401(k), union dues, garnishments
- Net payThe take-home amount paid to you
What is taken out of a Texas paycheck in 2026
| Deduction | 2026 rate | Applies to |
|---|---|---|
| Federal income tax | 10% to 37% by bracket | Taxable wages after the federal standard deduction, based on your W-4 |
| Social Security | 6.2% | Wages up to $184,500 |
| Medicare | 1.45%, plus 0.9% over $200,000 | All wages |
| Texas state income tax | None | Banned by the Texas Constitution |
| State disability or paid leave tax | None | Texas has no such program |
| Local income tax | None | No Texas city or county taxes wages |
Texas unemployment tax is paid by employers only. It is never deducted from your wages (Texas Workforce Commission).
Why Texas has no state income tax
Texas has never had a personal income tax, and in 2019 voters approved Proposition 4, which added a ban on an individual income tax to the Texas Constitution (Legislative Reference Library of Texas). The state relies on sales and property taxes instead. The state sales tax is 6.25%, and cities, counties and districts can add up to 2%, for a maximum combined rate of 8.25% (Texas Comptroller). So your paycheck is larger than in most states, but you pay more tax when you spend and on property you own.
Federal income tax brackets for 2026
Federal income tax is the only income tax on a Texas paycheck. These are the 2026 brackets set by the IRS:
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 to $12,400 | $0 to $24,800 | $0 to $17,700 |
| 12% | $12,400 to $50,400 | $24,800 to $100,800 | $17,700 to $67,450 |
| 22% | $50,400 to $105,700 | $100,800 to $211,400 | $67,450 to $105,700 |
| 24% | $105,700 to $201,775 | $211,400 to $403,550 | $105,700 to $201,750 |
| 32% | $201,775 to $256,225 | $403,550 to $512,450 | $201,750 to $256,200 |
| 35% | $256,225 to $640,600 | $512,450 to $768,700 | $256,200 to $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
The brackets apply to taxable income: your pay after pre-tax deductions and the standard deduction of $16,100 (single), $32,200 (married filing jointly) or $24,150 (head of household). A single filer earning $100,000 has $83,900 of taxable income and pays $13,170 in federal income tax, about 13.2% of gross pay. The Child Tax Credit of $2,200 per child under 17 lowers this further.
Social Security and Medicare on a Texas paycheck
- Social Security: 6.2% of wages up to $184,500 in 2026, a maximum of $11,439 a year (SSA). Once you pass the limit, it stops for the rest of the year.
- Medicare: 1.45% of all wages, with no limit. Employers withhold an extra 0.9% on wages above $200,000 in a year.
Together these are 7.65% of most paychecks, and your employer pays the same amount again on your behalf.
Take-home pay examples in Texas for 2026
These results come from the calculator above for a single filer paid monthly, with no pre-tax deductions:
| Salary | Federal income tax | Social Security + Medicare | Take-home per year | Per month | Total tax rate |
|---|---|---|---|---|---|
| $50,000 | $3,820 | $3,825 | $42,355 | $3,530 | 15.3% |
| $75,000 | $7,670 | $5,738 | $61,593 | $5,133 | 17.9% |
| $100,000 | $13,170 | $7,650 | $79,180 | $6,598 | 20.8% |
| $150,000 | $24,734 | $11,475 | $113,791 | $9,483 | 24.1% |
| $200,000 | $36,734 | $14,339 | $148,927 | $12,411 | 25.5% |
A married couple filing jointly on $150,000 of combined pay takes home about $123,185 a year (17.9% in total taxes). With two children under 17, a couple earning $100,000 takes home about $89,110, because the $4,400 Child Tax Credit cuts their federal tax to $3,240. An hourly worker on $15 an hour, 40 hours a week, earns $31,200 and takes home about $27,249; at $25 an hour it is $43,962 a year, or $3,664 a month.
For comparison, the same $100,000 salary takes home about $72,969 in California, which has a state income tax and SDI, or $6,211 less than in Texas. Compare with our California paycheck calculator.
Where a $75,000 Texas salary goes in 2026
Single filer, no pre-tax deductions, yearly amounts
Source: Digicalcy calculation using 2026 IRS and SSA rates.
How bonuses, overtime and tips are taxed in Texas
- Bonuses: Employers usually withhold a flat 22% federal income tax on bonuses (37% on bonus pay over $1 million in a year), plus Social Security and Medicare. There is no state tax on a Texas bonus. On a $100,000 salary you keep about $7,035 of a $10,000 bonus. See the bonus tax calculator.
- Overtime: Texas follows the federal rule: 1.5 times your regular rate for hours over 40 in a workweek. There is no daily overtime and no double time under Texas law. See the overtime calculator.
- Tips and the new federal deductions: For 2025 to 2028, qualified tips (up to $25,000) and the overtime premium (up to $12,500, or $25,000 for joint filers) can be deducted from federal taxable income. With no state income tax in Texas, this lowers the only income tax you pay. Social Security and Medicare still apply. Tipped employees can be paid a cash wage of $2.13 an hour when tips make up the rest of the minimum wage (U.S. Department of Labor).
How pre-tax deductions lower your Texas taxes
| Deduction | Federal income tax | Social Security and Medicare |
|---|---|---|
| Traditional 401(k), 403(b), 457 | Lowers | No change |
| Health, dental and vision premiums | Lowers | Lowers |
| HSA through payroll | Lowers | Lowers |
| Health and dependent care FSA | Lowers | Lowers |
| Transit and parking benefits | Lowers | Lowers |
Because Texas has no state income tax, an HSA is completely tax-free on a Texas paycheck. That is not true in every state; California, for example, taxes HSA contributions.
A $10,000 401(k) contribution on a $100,000 Texas salary
Single filer, 2026, yearly amounts
The contribution saves $2,200 in federal income tax, so take-home pay falls by $7,800.
Salary or hourly pay in Texas
For hourly pay, multiply your rate by your weekly hours and by 52. A full-time year is 2,080 hours. Texas uses the federal minimum wage of $7.25 an hour (Texas Workforce Commission), which is $15,080 a year full time. Salaried employees exempt from overtime must generally earn at least $684 a week, or $35,568 a year, under federal law (U.S. Department of Labor).
Final paychecks in Texas
Under the Texas Payday Law, a worker who is fired or laid off must be paid in full within six calendar days. A worker who quits must be paid by the next regular payday (Texas Workforce Commission).
Why your actual paycheck may differ from this estimate
- This calculator estimates your tax for the full year. Employers withhold federal tax using IRS withholding tables and your W-4, so each check can be a little higher or lower.
- Bonuses are often withheld at a flat 22% instead of your real rate.
- Social Security stops once your wages pass $184,500, so late-year paychecks of high earners are larger.
- Some benefits are taken only from certain paychecks, and in some years biweekly pay has 27 pay dates instead of 26.
How to increase your take-home pay in Texas
- Check your withholding with the IRS Tax Withholding Estimator and update your W-4 after a raise, a new job or a change in your family. Texas has no state withholding form.
- Use pre-tax benefits such as a 401(k), FSA, commuter benefits and especially an HSA, which is fully tax-free in Texas.
- If you earn tips or overtime, keep records so you can claim the federal tips and overtime deductions when you file.
How this calculator works
The calculator estimates your full-year federal tax and divides it by your pay periods. It uses the 2026 federal brackets, standard deduction and credits (Rev. Proc. 2025-32, including the 2025 tax law changes), the 2026 Social Security wage base and Medicare rates. Texas has no state or local income tax to add. For joint filers, enter combined household wages. Results are estimates, not tax advice.
Last reviewed: October 28, 2026.
Texas Paycheck Calculator FAQs
How much is $100,000 after taxes in Texas?
A single filer earning $100,000 in Texas takes home about $79,180 a year in 2026, or $6,598 a month. That is after $13,170 federal income tax and $7,650 Social Security and Medicare. Texas adds no state income tax.
Does Texas have a state income tax?
No. Texas has no personal income tax, and since voters approved Proposition 4 in 2019 the Texas Constitution prohibits one. A Texas paycheck pays only federal income tax, Social Security and Medicare.
What taxes are taken out of a paycheck in Texas?
Federal income tax, Social Security (6.2% on wages up to $184,500) and Medicare (1.45%, plus 0.9% on wages over $200,000). Texas has no state income tax, no state disability insurance and no local income tax on wages.
What percentage of my paycheck goes to taxes in Texas?
For a single filer in 2026, total taxes take about 15.3% of a $50,000 salary, 17.9% of $75,000, 20.8% of $100,000 and 24.1% of $150,000. All of it is federal income tax, Social Security and Medicare.
Is a salary calculator the same as a paycheck calculator?
For Texas take-home pay, yes. Both estimate how much of your pay you keep after taxes and deductions. This calculator works for salaried and hourly workers and shows results per paycheck and per year.
How are bonuses taxed in Texas?
Employers usually withhold a flat 22% federal income tax on bonuses, plus Social Security and Medicare. There is no Texas state tax. On a $100,000 salary you keep about $7,035 of a $10,000 bonus.
Is there a local income tax in Texas?
No. Texas cities and counties do not tax wages. Local governments rely on sales and property taxes, with local sales tax of up to 2% on top of the 6.25% state rate.
What is the minimum wage in Texas in 2026?
Texas uses the federal minimum wage of $7.25 an hour, which is $15,080 a year for full-time work. Tipped employees can be paid $2.13 an hour in cash wages if tips bring them up to $7.25.
When do I get my final paycheck in Texas?
If you are fired or laid off, your employer must pay you in full within six calendar days. If you quit, you must be paid by the next regular payday.
More paycheck and tax calculators
- California Paycheck Calculator: take-home pay with state income tax and SDI
- Overtime Calculator: time and a half pay
- Bonus Tax Calculator: how much of a bonus you keep
- Federal Tax Withholding Calculator: check your W-4