Texas paycheck calculator
Nothing is withheld for Texas on a $78,000 salary, or on any salary. Federal withholding, Social Security and Medicare still come out — the full paycheck is broken down below.
- State income tax rate
- None
- State return on wages
- None to file
- State withholding
- $0.00
- Jurisdictions like this
- 9 of 51
Texas levies no individual income tax. There is no state rate schedule, no state standard deduction, no state withholding on your paycheck and no state return to file on wages. Texas leans on sales tax and on property taxes that are among the highest in the country, and since a 2019 constitutional amendment an income tax would need another amendment to enact.
What no state income tax actually means
- Federal income tax still applies in full. A no-income-tax state changes one line on your payslip, not the biggest one — federal withholding, Social Security at 6.2% and Medicare at 1.45% all come out exactly as they would anywhere else.
- There is no Texas return to file on wages, and no state withholding line on your paycheck. That is real administrative relief, not just a rate of zero.
- You can still owe income tax to a different state. If you live in Texas but work across a state line, that state generally taxes the income you earn there — the neighbouring pages below are the ones to check.
- A zero income tax is not a zero tax burden. States without one raise the money somewhere else, usually sales tax, property tax or a resource levy, and those land differently on different households. Texas leans on sales tax and on property taxes that are among the highest in the country, and since a 2019 constitutional amendment an income tax would need another amendment to enact.
Work out your own Texas paycheck
Already set to Texas, filing single, paid every two weeks, with no 401(k) or health premium so the tax lines stand alone. Change any of it.
Before any deductions. Use the salary calculator to convert an annual figure.
Traditional (pre-tax) deferrals reduce income-tax withholding but not Social Security or Medicare.
Pre-tax (Section 125) premiums, which reduce both income tax and FICA wages.
Uses that state's own rate schedule and standard deduction on your annualized wages. Pick the last option to type a flat rate instead.
Only used when State is set to “Not listed”. A flat estimate applied to taxable wages.
- Annual take-home pay
- $63,703
- Federal income tax withheld
- $320.38
- Social Security (6.2%)
- $186.00
- Medicare (1.45%)
- $43.50
- State income tax
- $0.00From the selected state's rate schedule, or your flat rate.
- Pre-tax deductions (401(k) + health)
- $0.00
- Total taxes as % of gross
- 18.3%
Assumptions
- 2026 Publication 15-T percentage-method tables (automated payroll systems) with a 2020-or-later Form W-4 and no Step 4(a)/4(b) entries.
- Social Security at 6.2% up to the 2026 wage base of $184,500 and Medicare at 1.45% plus 0.9% over $200,000 (IRS Topic 560), both averaged evenly across the year.
- State tax uses each state's published rate schedule, standard deduction and personal exemption for the tax year shown with the results — annualized, then divided by your pay periods rather than run through that state's own withholding formula. The source URL, year and per-state simplifications are printed above the results.
- No local or city income taxes, state disability insurance, HSA/FSA deductions or supplemental-wage withholding. A state that isn't listed falls back to the flat rate you enter.
- Take-home$2,45082%
- Federal income tax$32011%
- Social Security$1866%
- Medicare$441%
| Item | Per two weeks | Annual |
|---|---|---|
| Gross pay | $3,000.00 | $78,000 |
| 401(k) (pre-tax) | -$0.00 | -$0 |
| Health premium (pre-tax) | -$0.00 | -$0 |
| Federal income tax | -$320.38 | -$8,330 |
| Social Security | -$186.00 | -$4,836 |
| Medicare | -$43.50 | -$1,131 |
| State income tax | -$0.00 | -$0 |
| Take-home pay | $2,450.12 | $63,703 |
Take-home pay in Texas by salary
| Salary | Gross / paycheck | Federal | FICA | Take-home |
|---|---|---|---|---|
| $40,000 | $1,538.46 | $100.77 | $117.69 | $1,320.00 |
| $60,000 | $2,307.69 | $193.08 | $176.54 | $1,938.08 |
| $78,000 | $3,000.00 | $320.38 | $229.50 | $2,450.12 |
| $100,000 | $3,846.15 | $506.54 | $294.23 | $3,045.38 |
| $150,000 | $5,769.23 | $951.31 | $441.35 | $4,376.58 |
| $250,000 | $9,615.38 | $1,973.23 | $596.69 | $7,045.46 |
Per biweekly paycheck, filing single, no 401(k) and no pre-tax premiums. There is no Texas column because there is no Texas income tax — every dollar of the difference between gross and take-home here is federal.
How the neighbours compare
Texas borders 4 other jurisdictions. Moving across a state line is the one way most people can actually change which of these schedules applies to them, so here is the same income run through each of them.
| State | Rate structure | Per paycheck | A year |
|---|---|---|---|
| Texas | No income tax | $0.00 | $0 |
| Arkansas | 0% – 3.9% | $96.03 | $2,497 |
| Louisiana | Flat 3% | $75.58 | $1,965 |
| New Mexico | 1.5% – 5.9% | $96.80 | $2,517 |
| Oklahoma | 0.25% – 4.75% | $121.82 | $3,167 |
State income tax on a single filer, after each state’s own deductions. Federal tax is identical wherever you live, so the difference between these rows is the whole difference.
What these Texas figures leave out
Recorded against Texas in the data rather than glossed over, because they change real bills.
- The Texas Comptroller publishes no current page stating this directly, so the figure is cited to the Tax Foundation's 2026 compilation rather than to the state.
Frequently asked questions
▸Does Texas withhold state income tax from your paycheck?
No. Texas has no individual income tax, so no state line appears on your payslip at all. Federal withholding, Social Security and Medicare still come out of every paycheck.
▸What is taken out of a paycheck in Texas?
Federal income tax withheld under the IRS Publication 15-T tables, Social Security at 6.2% up to the annual wage base, and Medicare at 1.45%. There is no Texas income tax line. Pre-tax 401(k) and health premiums come out before the income-tax lines are worked out.
Source
Tax Foundation, State Individual Income Tax Rates and Brackets, 2026
Tax year 2026 figures, last checked against the source on 2026-09-09.
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Texas paycheck calculator: Texas tax withheld per paycheck is $0.00. Source: https://www.calculateitnow.dev/texas-paycheck-calculator