Texas Paycheck Calculator 2026
Take-home pay in Texas for 2026 — no state income tax, so only federal tax, Social Security and Medicare come out.
California SDI is withheld at 1.3% of all wages in 2026 (no cap). Rates above $1M include the 1% mental-health surtax (top rate 13.3%).
Estimates for the 2026 tax year using the standard deduction. Actual withholding depends on your W-4, benefits, credits, and local taxes. Not tax advice.
How to calculate your Texas take-home pay for 2026
Texas imposes zero state personal income tax. Calculating net take-home pay in Houston, Dallas, Austin, San Antonio, or Fort Worth involves deducting only federal income tax and FICA taxes. This tool gives Texas workers an exact calculation of gross vs net pay.
- 0% Texas State Income Tax: $0 state income tax deducted—constitutionally protected under Texas state law.
- 0% Municipal City Income Tax: Zero local city income taxes across all Texas cities and counties.
- Federal Income Tax Withholding: Computed based on IRS 2026 progressive tax brackets (10%, 12%, 22%, 24%, 32%, 35%, 37%).
- FICA Taxes (7.65%): 6.2% Social Security (up to $176,100 wage cap) plus 1.45% Medicare tax on all earnings.
Texas 2026 payroll tax advantages explained
Because Texas levies no state income tax, workers keep a significantly larger portion of their gross salary compared to residents of states like California, New York, or New Jersey. For example, on a $100,000 annual income, a Texas worker saves roughly $6,000 to $9,000 per year in state tax alone.
Your pay stub deductions in Texas consist purely of federal income tax (based on W-4 allowances and filing status) and FICA payroll taxes. There are no state disability insurance (SDI) deductions, paid family leave withholdings, or local city wage taxes anywhere in the Lone Star State.
Client-side security for private financial calculations
Entering your salary and personal tax details into online calculators should never risk your financial privacy. Most online tax tools send salary data to third-party ad networks.
ToolJiffy operates on a zero-cloud architecture. All tax formulas execute 100% locally inside your browser memory. Your salary numbers and tax withholdings never leave your personal computer or mobile device.
Step-by-step guide to using the Texas paycheck calculator
- Enter gross pay: Input your annual salary or hourly wage along with pay frequency (biweekly, monthly, weekly).
- Select tax filing status: Choose Single, Married Filing Jointly, or Head of Household.
- View net pay summary: Instantly review federal tax, FICA deductions ($0 state tax), and net take-home pay.
Frequently asked questions
Does Texas have a state income tax in 2026?
No. Texas is one of 9 US states with NO state personal income tax. Texas state constitution strictly prohibits personal income tax.
What taxes are deducted from a Texas paycheck?
Only federal taxes are deducted from Texas paychecks: Federal Income Tax (10%–37%) and FICA taxes (6.2% Social Security + 1.45% Medicare).
Are there city or local income taxes in Texas (Houston, Dallas, Austin)?
No. Neither Texas state law nor Texas municipalities (including Houston, Dallas, Austin, San Antonio, Fort Worth) levy local city income taxes.
How does earning $100,000 in Texas compare to California or New York?
A $100,000 salary in Texas incurs $0 state income tax, saving $5,000 to $9,000 annually compared to high-tax states like California or New York.
What is the FICA tax limit for 2026 on Texas paychecks?
For 2026, Social Security tax is 6.2% up to the $176,100 wage base cap. Medicare tax is 1.45% on all earnings with zero wage cap.
How do pre-tax 401(k) and health insurance deductions benefit Texas workers?
Pre-tax 401(k) and HSA/FSA contributions reduce gross earnings subject to federal income tax, maximizing net take-home pay.
Does Texas have state disability insurance (SDI) payroll tax?
No. Texas has no mandatory state disability insurance (SDI) or state paid family leave payroll tax withholdings.
Is ToolJiffy Texas Paycheck Calculator free and private?
Yes! ToolJiffy is 100% free, requires no registration, and computes all deductions locally in your browser memory.
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Frequently Asked Questions
Does Texas have a state income tax in 2026?
No. Texas is one of 9 US states with NO state personal income tax. Texas state constitution strictly prohibits personal income tax.
What taxes are deducted from a Texas paycheck?
Only federal taxes are deducted from Texas paychecks: Federal Income Tax (10%–37%) and FICA taxes (6.2% Social Security + 1.45% Medicare).
Are there city or local income taxes in Texas (Houston, Dallas, Austin)?
No. Neither Texas state law nor Texas municipalities (including Houston, Dallas, Austin, San Antonio, Fort Worth) levy local city income taxes.
How does earning $100,000 in Texas compare to California or New York?
A $100,000 salary in Texas incurs $0 state income tax, saving $5,000 to $9,000 annually compared to high-tax states like California or New York.
What is the FICA tax limit for 2026 on Texas paychecks?
For 2026, Social Security tax is 6.2% up to the $176,100 wage base cap. Medicare tax is 1.45% on all earnings with zero wage cap.
How do pre-tax 401(k) and health insurance deductions benefit Texas workers?
Pre-tax 401(k) and HSA/FSA contributions reduce gross earnings subject to federal income tax, maximizing net take-home pay.
Does Texas have state disability insurance (SDI) payroll tax?
No. Texas has no mandatory state disability insurance (SDI) or state paid family leave payroll tax withholdings.
Is ToolJiffy Texas Paycheck Calculator free and private?
Yes! ToolJiffy is 100% free, requires no registration, and computes all deductions locally in your browser memory.