Texas Paycheck Calculator (2026)
Estimate your Texas take-home pay. Texas has no state income tax on wages, so you only pay federal income tax, Social Security and Medicare.
Texas has no state income tax on wages
Texas does not tax wages or salaries at the state level. Your paycheck is reduced only by federal income tax, Social Security (6.2%) and Medicare (1.45%), plus any 401(k) or benefit deductions.
Texas funds state government mainly through sales tax and property tax, and the state constitution bars a personal income tax.
Example take-home pay in Texas
Single filer, no 401(k), paid every 2 weeks:
Texas take-home pay at different salaries
Estimated yearly figures for a single filer with no 401(k), using the same rules as the calculator above.
| Salary | Federal tax | Social Security + Medicare | Texas taxes | Take-home / year | Every 2 weeks | Total tax rate |
|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $0 | $26,285 | $1,011 | 12.4% |
| $50,000 | $3,820 | $3,825 | $0 | $42,355 | $1,629 | 15.3% |
| $75,000 | $7,670 | $5,738 | $0 | $61,593 | $2,369 | 17.9% |
| $100,000 | $13,170 | $7,650 | $0 | $79,180 | $3,045 | 20.8% |
| $150,000 | $24,734 | $11,475 | $0 | $113,791 | $4,377 | 24.1% |
How to keep more of your paycheck in Texas
On a $60,000 salary, putting 5% ($3,000) into a traditional 401(k) reduces your yearly take-home pay by about $2,640 (roughly $102 less every 2 weeks). That is less than the full $3,000 because the contribution saves about $360 in federal income tax (Texas has no state income tax, so the saving is federal only). The tax you avoid stays in your pocket instead of going to the government.
Filing status also matters. A married couple filing jointly with one $60,000 income takes home about $52,570 a year in Texas, compared with $50,390 for a single filer, mostly because of the larger standard deduction and wider tax brackets.
How this calculator works
We subtract your 401(k) contribution and the 2026 standard deduction ($16,100 single, $32,200 married filing jointly), then apply the 2026 federal brackets (IRS Rev. Proc. 2025-32). Social Security is 6.2% up to $184,500 of pay, and Medicare is 1.45% (plus 0.9% on high pay). Texas adds no state income tax, so the state line is $0.
Texas paycheck questions
Does Texas have a state income tax?
No. Texas does not tax wage income. The Texas constitution does not allow a personal income tax.
How much of my paycheck goes to tax in Texas?
Mainly federal income tax plus 7.65% for Social Security and Medicare. Use the calculator above for your exact salary.
Do 401(k) contributions help in Texas?
Yes for federal tax. Traditional 401(k) contributions lower your federal taxable income, which is the main income tax you pay here.
Rates last updated: October 2026. This is an estimate and does not include credits, benefits or W-4 changes. Official source: Texas Comptroller of Public Accounts.