Texas Paycheck Calculator
Figure basis: Official Texas Comptroller of Public AccountsThis Texas paycheck calculator estimates your take-home pay after the taxes withheld from a typical wage. Enter your gross pay, choose how often you are paid (weekly, every two weeks, twice a month or monthly) and select your filing status to see a full breakdown of every deduction and your net pay. The estimate combines four withholdings: federal income tax, calculated with the 2026 Internal Revenue Service annualised percentage method; Social Security at 6.2% up to the 2026 wage base of $184,500.00; Medicare at 1.45% on all wages; and no state income tax, because Texas does not levy one. Results update as you type and the page link captures your inputs so you can save or share a calculation. This estimate covers federal withholding, FICA and state income tax only; State Disability Insurance where a state levies it, and any city or county local income tax, are not included and are noted separately. Use it to check a payslip, compare an offer, or plan a pre-tax contribution.
A $5,000 biweekly paycheck (single filer) in Texas is about $3,850.81 take-home, after federal income tax $766.69, Social Security $310.00, Medicare $72.50 (no state income tax).
How the Texas paycheck calculation works
annual gross = gross per period x pay periods per year
federal withholding = IRS Pub 15-T annualised percentage method, de-annualised
Social Security = min(annual gross, $184,500.00) x 6.2% / periods
Medicare = annual gross x 1.45% / periods
state withholding = 0 (no Texas income tax)
take-home = gross per period - federal - Social Security - Medicare - state
Worked example
A single filer paid $5,000.00 every two weeks (26 pay periods a year) in Texas, for 2026:
- Annual gross = $5,000.00 x 26 = $130,000.00
- Federal income tax withheld this period = $766.69
- Social Security = $310.00; Medicare = $72.50
- Texas income tax = $0.00 (no state income tax)
- Take-home = $5,000.00 - $766.69 - $310.00 - $72.50 - $0.00 = $3,850.81
What actually comes out of a Texas paycheck
Texas withholds no state income tax, so the state line on a Texas pay stub reads a flat $0.00. Everything taken from your gross is federal: income tax under the IRS percentage method, Social Security at 6.2 percent up to the 2025 wage base of $176,100, and Medicare at 1.45 percent on every dollar (with an extra 0.9 percent above $200,000 for single filers). A worker in Texas keeps the entire slice that a resident of a taxing state would surrender, which on a $130,000 salary can add up to several thousand dollars a year of extra take-home pay.
Because there is no state income tax, there is also no Texas state W-4. You file only the federal Form W-4, and the allowances or extra withholding you enter there are the sole levers over your net pay; there is no state form to fine-tune. That simplicity is real, but it carries a trade-off the pay stub never shows. Texas funds itself through some of the highest effective property tax rates in the country and a combined state and local sales tax that reaches 8.25 percent, neither of which appears on your payslip.
So a Texas paycheck looks larger than an identical one in Vermont or Wisconsin, yet no income tax is not the same as low total tax. It simply moves the bill off your wages and onto what you own and what you spend.
Texas paycheck calculator: frequently asked questions
How much is take-home pay on a $5,000 biweekly paycheck in Texas?
A single filer earning $5,000 every two weeks in Texas keeps about $3,850.81 after federal income tax withholding ($766.69), Social Security ($310.00), Medicare ($72.50) (Texas has no state income tax). Enter your own gross pay, pay frequency and filing status above for your figure.
Does Texas have a state income tax withheld from paychecks?
No. Texas levies no state income tax, so no state income tax is withheld from your paycheck. Federal income tax, Social Security and Medicare are still withheld.
What FICA taxes are withheld from a Texas paycheck?
Social Security is withheld at 6.2% on wages up to the 2026 wage base of $184,500.00, and Medicare at 1.45% on all wages, with an additional 0.9% Medicare tax on wages above the filing-status threshold. These are federal taxes that apply to wages in every state.
Does this Texas paycheck estimate include SDI or local taxes?
No. This estimate covers federal income tax withholding, Social Security, Medicare and no state income tax. State Disability Insurance (SDI), where a state levies it, and any city or county local income taxes are not included; check your state and local authorities for those.
Official sources
- Federal income tax withholding and standard deduction (tax year 2026): US Internal Revenue Service, as at Jun 12, 2026.
- Social Security wage base and FICA rates (2026): US Social Security Administration and IRS Topic 751, as at Jun 12, 2026.
- Texas no income tax confirmation: Texas Comptroller of Public Accounts, as at Jun 12, 2026.
Reviewed by the CalculatorHub team, edited by James Graham, 25 June 2026. See our methodology. General information, not financial or tax advice. State Disability Insurance and local income taxes are not included.