Use this Texas-specific payroll calculator to estimate your net pay (take-home money) after taxes. Since Texas has no state income tax, your calculation will focus on Federal withholdings and FICA deductions.
🇨🇱Texas Tax Advantage: 0% State Income Tax applied.
*Estimates based on 2024 tax brackets and standard deductions.
Understanding Texas Pay Rates & Taxes
Living and working in Texas offers a significant financial advantage compared to many other US states: there is no state personal income tax. This means that when you calculate your pay rate in Texas, you retain a higher percentage of your gross earnings compared to residents in states like California or New York.
However, "no state tax" does not mean "no tax at all." Your Texas paycheck is still subject to federal withholdings. Our calculator breaks down these specific deductions to give you an accurate picture of your disposable income.
How the Calculation Works
To determine your Net Pay (the amount that actually hits your bank account), we follow this formula:
Gross Pay: This is your total earnings before any deductions. If you are hourly, it is your Rate × Hours. If salary, it is your Annual Salary ÷ Pay Periods.
Federal Income Tax: We apply the 2024 progressive tax brackets based on your filing status (Single, Married, etc.) and an estimated standard deduction.
FICA Taxes: This includes Social Security (6.2% of income up to the wage base limit) and Medicare (1.45% of all income).
Texas State Tax: Always $0.00.
Hourly vs. Salary in Texas
Whether you are negotiating an hourly wage or an annual salary in Texas, it is crucial to convert the numbers to understand the real value.
Hourly: If you earn $20/hour and work 40 hours a week, your annual gross is $41,600.
Salary: A $50,000 salary roughly equates to $24.04/hour (based on a standard 2,080-hour work year).
FICA Tax Details
Regardless of your income tax bracket, FICA taxes are flat rates mandated by federal law:
Social Security: 6.2% deduction to fund retirement benefits.
Medicare: 1.45% deduction to fund healthcare for the elderly.
Self-employed individuals in Texas must pay the full Self-Employment tax (15.3%), which covers both the employer and employee portion of FICA.
function toggleHourlyInputs() {
var type = document.getElementById('calc_type').value;
var label = document.getElementById('rate_label');
var hoursCol = document.getElementById('hours_col');
if (type === 'hourly') {
label.innerText = "Hourly Rate ($)";
hoursCol.style.display = "block";
document.getElementById('pay_amount').placeholder = "e.g. 25.00";
} else {
label.innerText = "Annual Salary ($)";
hoursCol.style.display = "none";
document.getElementById('pay_amount').placeholder = "e.g. 55000";
}
}
function formatMoney(num) {
return '$' + num.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,');
}
function calculateTexasPay() {
// 1. Get Inputs
var calcType = document.getElementById('calc_type').value;
var payAmount = parseFloat(document.getElementById('pay_amount').value);
var hours = parseFloat(document.getElementById('hours_worked').value);
var frequency = parseInt(document.getElementById('pay_freq').value);
var filingStatus = document.getElementById('filing_status').value;
// Validation
if (isNaN(payAmount) || payAmount <= 0) {
alert("Please enter a valid pay amount.");
return;
}
if (calcType === 'hourly' && (isNaN(hours) || hours < 0)) {
alert("Please enter valid working hours.");
return;
}
// 2. Calculate Annual Gross
var annualGross = 0;
if (calcType === 'hourly') {
// Simple logic: Base hours + Overtime (1.5x) if over 40
// Note: Simplification assumes constant hours every week for annual projection
var regHours = Math.min(hours, 40);
var otHours = Math.max(0, hours – 40);
var weeklyGross = (regHours * payAmount) + (otHours * payAmount * 1.5);
annualGross = weeklyGross * 52;
} else {
annualGross = payAmount;
}
// 3. Calculate Federal Tax (Simplified 2024 Estimator)
// Standard Deductions (2024 Estimates)
var standardDeduction = 0;
if (filingStatus === 'single') standardDeduction = 14600;
else if (filingStatus === 'married') standardDeduction = 29200;
else if (filingStatus === 'head') standardDeduction = 21900;
var taxableIncome = Math.max(0, annualGross – standardDeduction);
var federalTax = 0;
// 2024 Brackets (Single) – simplified logic for demo
// Ideally needs complex objects for all statuses, doing Single/Married/Head logic:
var brackets = [];
if (filingStatus === 'single') {
brackets = [
{ limit: 11600, rate: 0.10 },
{ limit: 47150, rate: 0.12 },
{ limit: 100525, rate: 0.22 },
{ limit: 191950, rate: 0.24 },
{ limit: 243725, rate: 0.32 },
{ limit: 609350, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
];
} else if (filingStatus === 'married') {
brackets = [
{ limit: 23200, rate: 0.10 },
{ limit: 94300, rate: 0.12 },
{ limit: 201050, rate: 0.22 },
{ limit: 383900, rate: 0.24 },
{ limit: 487450, rate: 0.32 },
{ limit: 731200, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
];
} else { // Head
brackets = [
{ limit: 16550, rate: 0.10 },
{ limit: 63100, rate: 0.12 },
{ limit: 100500, rate: 0.22 },
{ limit: 191950, rate: 0.24 },
{ limit: 243700, rate: 0.32 },
{ limit: 609350, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
];
}
var tempIncome = taxableIncome;
var prevLimit = 0;
for (var i = 0; i < brackets.length; i++) {
var limit = brackets[i].limit;
var rate = brackets[i].rate;
var chunk = 0;
if (tempIncome bracketSpan) {
chunk = bracketSpan;
} else {
chunk = tempIncome;
}
federalTax += chunk * rate;
tempIncome -= chunk;
prevLimit = limit;
}
// 4. Calculate FICA
// Social Security: 6.2% on first $168,600 (2024 limit)
var ssWageBase = 168600;
var ssTax = 0;
if (annualGross < ssWageBase) {
ssTax = annualGross * 0.062;
} else {
ssTax = ssWageBase * 0.062;
}
// Medicare: 1.45% on all income (ignoring Additional Medicare Tax for high earners for simplicity)
var medTax = annualGross * 0.0145;
// 5. State Tax
var stateTax = 0; // Texas is 0
// 6. Final Period Calculation
var periodGross = annualGross / frequency;
var periodFed = federalTax / frequency;
var periodSS = ssTax / frequency;
var periodMed = medTax / frequency;
var periodState = stateTax / frequency;
var periodNet = periodGross – periodFed – periodSS – periodMed – periodState;
// 7. Update UI
document.getElementById('results_area').style.display = 'block';
document.getElementById('res_gross').innerText = formatMoney(periodGross);
document.getElementById('res_fed').innerText = "-" + formatMoney(periodFed);
document.getElementById('res_ss').innerText = "-" + formatMoney(periodSS);
document.getElementById('res_med').innerText = "-" + formatMoney(periodMed);
document.getElementById('res_state').innerText = formatMoney(periodState);
document.getElementById('res_net').innerText = formatMoney(periodNet);
}