Texas Paycheck Calculator 2026 - No State Income Tax

Calculate Your Texas Take-Home Pay - No State Income Tax

One of the biggest advantages of working in Texas is that there's no state income tax. This means your Texas take-home pay is higher than in most other states because you only pay federal taxes and FICA (Social Security and Medicare). Texas is one of only 9 states with no income tax, along with Florida, Nevada, Washington, Wyoming, South Dakota, Tennessee, New Hampshire, and Alaska.

For example, someone earning $80,000 in Texas takes home approximately $60,000-$62,000 after federal taxes and FICA. The same salary in California would result in about $55,000-$58,000 take-home pay due to California's state income tax (up to 12.3%). That's a $5,000-$7,000 annual difference just from state taxes alone.

Our Texas paycheck calculator helps you determine your exact Texas take-home pay. Because we maintain federal, FICA, and Texas withholding tables for every filing status, the calculator instantly shows both per-paycheck and annual net pay. Toggle between salary and hourly pay, include pre-tax deductions such as 401(k), HSA, or health insurance, and watch the tool recompute your Texas take-home pay immediately.

How to use the Texas paycheck calculator

1. Select salary or hourly pay and enter your gross income.
2. Choose Texas as your state (using ?state=TX in the URL fills it in automatically).
3. Pick your pay frequency and filing status, then add any 401(k), HSA, or health insurance deductions.
4. Click “Calculate My Paycheck” and review the per-paycheck plus annual summary, including federal, Texas, and FICA withholding.

Texas Local Taxes and Your Take-Home Pay

When calculating your Texas take-home pay, it's important to note that Texas does not allow local income taxes at the city or county level. Unlike states like Pennsylvania or Ohio, Texas only collects federal taxes and FICA, which simplifies your Texas paycheck calculation significantly.

However, Texas does have relatively high property taxes and sales taxes compared to some states. While these don't directly affect your paycheck, they're important to consider when evaluating the total cost of living in Texas. Your Texas paycheck calculator results will show your take-home pay after federal income tax and FICA taxes only—no state or local income taxes.

This makes Texas an extremely attractive state for workers who want to maximize their take-home pay, as the absence of state income tax means more money in your pocket each paycheck.

Example: Texas Paycheck Calculation

Let's calculate the Texas take-home pay for someone earning $85,000 per year in Texas, filing as married filing jointly, with a 6% 401(k) contribution:

• Gross annual salary: $85,000
• 401(k) contribution (6%): $5,100 (pre-tax)
• Federal taxable income: ~$70,400 (after standard deduction)
• Federal income tax: ~$6,800
• FICA taxes (Social Security + Medicare): $6,502
• Texas state tax: $0 (no state income tax!)
• Texas take-home pay (annual): $66,598
• Bi-weekly Texas paycheck: ~$2,562

This example demonstrates how the Texas paycheck calculator works. With no state income tax, your Texas take-home pay is maximized compared to states with income taxes. The same $85,000 salary in California would result in approximately $60,000-$62,000 take-home pay due to state taxes.

2026 Planning Tips for Texas Employees

• Update your W-4: If you want to adjust your Texas take-home pay, update your W-4 if you picked up a second job, got married, or expect significant itemized deductions in 2026.
• Maximize pre-tax benefits: Leverage pre-tax benefits—every dollar you contribute to a 401(k) or HSA reduces your federal taxable income, increasing your take-home pay. In Texas, you get the full benefit since there's no state tax to save on.
• Track Social Security wage base: Track your year-to-date taxable wages. Once you hit the Social Security wage base ($168,600 in 2025), your Texas take-home pay will increase because OASDI withholding stops for the rest of the year.
• Consider total cost of living: While Texas has no income tax, remember to consider property taxes, sales taxes, and cost of living when evaluating your overall financial situation.

Frequently Asked Questions About Texas Paycheck Calculator