Calculate your take-home pay with zero state income tax.
Weekly
Bi-weekly
Semi-monthly
Monthly
Single
Married Filing Jointly
Head of Household
Gross Pay$0.00
Federal Income Tax$0.00
Social Security (6.2%)$0.00
Medicare (1.45%)$0.00
Texas State Income Tax None$0.00
Net Take-Home Pay$0.00
Understanding Your Texas Paycheck
Living and working in the Lone Star State comes with a significant financial advantage: Texas is one of the few states in the U.S. that does not impose a state income tax. This means your Texas paycheck calculation is simpler than in most other states, as your primary withholdings are limited to federal taxes and FICA contributions.
Key Factors in Texas Payroll Calculation
While you don't have to worry about the Texas Comptroller taking a cut of your earnings, several factors still impact your final take-home pay:
Gross Pay: This is your total earnings before any taxes or deductions are removed. It includes your salary or hourly wages, bonuses, and commissions.
Federal Income Tax: Calculated based on the information you provided on your W-4 form. This depends on your filing status (Single, Married, etc.) and your total taxable income.
FICA Taxes: This consists of two parts: Social Security (6.2% of your gross pay up to the annual limit) and Medicare (1.45% of your gross pay).
Pre-Tax Deductions: Contributions to 401(k) plans, Health Savings Accounts (HSA), or employer-sponsored health insurance premiums. These reduce your taxable income.
Why Texas Paychecks are Different
In states like California or New York, an additional 5% to 13% of your income might disappear into state coffers. In Texas, that money remains in your pocket. This often results in a higher "net pay" for the same gross salary when compared to high-tax states. However, it is important to remember that Texas often offsets the lack of income tax with higher-than-average property taxes.
Example Calculation for a Texas Employee
If you earn a bi-weekly salary of $2,500 in Texas and you are filing as Single:
Gross Pay: $2,500.00
FICA (7.65%): $191.25
Federal Withholding (Estimated): ~$280.00
State Tax: $0.00
Estimated Take-Home: $2,028.75
How to Use This Calculator
To get an accurate estimate, enter your per-period gross income. Select how often you get paid (e.g., bi-weekly is every two weeks). Ensure you include any pre-tax contributions like 401(k) or medical insurance, as these significantly lower the amount of federal tax you will owe. This tool provides a professional-grade estimation similar to an ADP output for Texas residents.
function calculateTexasPay() {
var gross = parseFloat(document.getElementById('grossPay').value);
var frequency = parseFloat(document.getElementById('payFrequency').value);
var filingStatus = document.getElementById('filingStatus').value;
var allowances = parseFloat(document.getElementById('allowances').value) || 0;
var preTax = parseFloat(document.getElementById('preTax').value) || 0;
var postTax = parseFloat(document.getElementById('postTax').value) || 0;
if (isNaN(gross) || gross <= 0) {
alert("Please enter a valid gross pay amount.");
return;
}
// Calculations
var taxableGross = gross – preTax;
var annualTaxable = taxableGross * frequency;
// FICA Calculations (on full gross minus specific pre-tax like medical, but for simplicity on gross)
var socSec = gross * 0.062;
var medicare = gross * 0.0145;
// Simple Federal Tax Bracket Logic (2024 Estimates)
var fedTaxAnnual = 0;
var taxable = annualTaxable – (allowances * 4300); // Rough allowance estimate
// Standard Deduction Adjustment (Simplified)
var standardDeduction = 14600;
if (filingStatus === 'married') standardDeduction = 29200;
if (filingStatus === 'head') standardDeduction = 21900;
taxable = taxable – standardDeduction;
if (taxable 0) {
if (taxable <= 11600) fedTaxAnnual = taxable * 0.10;
else if (taxable <= 47150) fedTaxAnnual = 1160 + (taxable – 11600) * 0.12;
else if (taxable 0 ? netPay : 0).toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('result-area').style.display = 'block';
}