Weekly (52 pay periods per year)
Bi-Weekly (26 pay periods per year)
Semi-Monthly (24 pay periods per year)
Monthly (12 pay periods per year)
Your Estimated Net Paycheck
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Gross Pay per Period: —
Federal Income Tax per Period: —
Social Security Tax per Period: —
Medicare Tax per Period: —
Other Deductions per Period: —
Total Deductions per Period: —
Understanding Your Texas Paycheck
Texas is one of the few states that does not have a state income tax. This means residents of Texas do not have state income tax withheld from their paychecks, which can significantly increase take-home pay compared to residents of states with income tax. However, federal taxes, Social Security, Medicare, and other voluntary deductions still apply.
This calculator helps you estimate your net pay per paycheck based on your gross income, pay frequency, and standard payroll deductions.
Key Components of Your Paycheck Calculation:
Gross Pay: This is your total earnings before any deductions are taken out. It's calculated by dividing your annual income by the number of pay periods in a year (e.g., annual income / 52 for weekly, / 26 for bi-weekly).
Federal Income Tax: This is a mandatory tax levied by the U.S. federal government. The amount withheld depends on your W-4 form selections, filing status, and taxable income. For simplicity, this calculator takes the total annual withholding and divides it by the number of pay periods.
Social Security Tax: A federal payroll tax that funds Social Security benefits. In 2023, the rate is 6.2% on earnings up to a certain limit (which changes annually). This is also divided by the number of pay periods.
Medicare Tax: A federal payroll tax that funds Medicare. The rate is 1.45% on all earnings, with no income limit. This is also divided by the number of pay periods.
Other Deductions: This category includes voluntary deductions you've elected, such as health insurance premiums, retirement plan contributions (like 401k), life insurance, etc. These are typically taken out pre-tax or post-tax depending on the plan.
Net Pay: This is your "take-home pay" – the amount you actually receive after all taxes and deductions have been subtracted from your gross pay.
Why Use a Texas Paycheck Calculator?
Budgeting: Knowing your exact net pay is crucial for accurate personal budgeting and financial planning.
Understanding Deductions: It helps you visualize how much of your income goes towards taxes and other benefits.
Financial Decisions: Use it to assess the financial impact of taking on a new job, negotiating a salary increase, or changing your benefit elections.
Tax Planning: While this calculator provides an estimate, it can highlight the significant impact of federal taxes even in a state without income tax.
Disclaimer: This calculator provides an *estimate* only. Actual net pay may vary due to specific tax situations, employer payroll systems, additional state/local taxes (if applicable outside of Texas), and changes in tax laws or contribution limits. Consult with a qualified tax professional or your HR department for precise figures.
function calculatePaycheck() {
var grossAnnualIncome = parseFloat(document.getElementById("grossAnnualIncome").value);
var payFrequency = parseFloat(document.getElementById("payFrequency").value);
var federalIncomeTaxAnnual = parseFloat(document.getElementById("federalIncomeTaxWithheld").value);
var medicareTaxAnnual = parseFloat(document.getElementById("medicareTaxWithheld").value);
var socialSecurityTaxAnnual = parseFloat(document.getElementById("socialSecurityTaxWithheld").value);
var otherDeductionsAnnual = parseFloat(document.getElementById("otherDeductions").value);
var resultNetSpan = document.getElementById("result-net");
var detailGrossPaySpan = document.getElementById("detailGrossPay");
var detailFederalTaxSpan = document.getElementById("detailFederalTax");
var detailSocialSecuritySpan = document.getElementById("detailSocialSecurity");
var detailMedicareSpan = document.getElementById("detailMedicare");
var detailOtherDeductionsSpan = document.getElementById("detailOtherDeductions");
var detailTotalDeductionsSpan = document.getElementById("detailTotalDeductions");
// Reset previous results and styles
resultNetSpan.textContent = "–";
detailGrossPaySpan.textContent = "–";
detailFederalTaxSpan.textContent = "–";
detailSocialSecuritySpan.textContent = "–";
detailMedicareSpan.textContent = "–";
detailOtherDeductionsSpan.textContent = "–";
detailTotalDeductionsSpan.textContent = "–";
document.getElementById("result").style.borderColor = "#004a99"; // Reset border color
// Input validation
if (isNaN(grossAnnualIncome) || grossAnnualIncome < 0 ||
isNaN(payFrequency) || payFrequency <= 0 ||
isNaN(federalIncomeTaxAnnual) || federalIncomeTaxAnnual < 0 ||
isNaN(medicareTaxAnnual) || medicareTaxAnnual < 0 ||
isNaN(socialSecurityTaxAnnual) || socialSecurityTaxAnnual < 0 ||
isNaN(otherDeductionsAnnual) || otherDeductionsAnnual < 0) {
resultNetSpan.textContent = "Invalid Input";
return;
}
// Calculations per pay period
var grossPayPerPeriod = grossAnnualIncome / payFrequency;
var federalTaxPerPeriod = federalIncomeTaxAnnual / payFrequency;
var medicareTaxPerPeriod = medicareTaxAnnual / payFrequency;
var socialSecurityTaxPerPeriod = socialSecurityTaxAnnual / payFrequency;
var otherDeductionsPerPeriod = otherDeductionsAnnual / payFrequency;
var totalDeductionsPerPeriod = federalTaxPerPeriod + medicareTaxPerPeriod + socialSecurityTaxPerPeriod + otherDeductionsPerPeriod;
var netPayPerPeriod = grossPayPerPeriod – totalDeductionsPerPeriod;
// Ensure net pay is not negative
if (netPayPerPeriod < 0) {
netPayPerPeriod = 0;
}
// Display results, formatted to two decimal places
resultNetSpan.textContent = "$" + netPayPerPeriod.toFixed(2);
detailGrossPaySpan.textContent = "$" + grossPayPerPeriod.toFixed(2);
detailFederalTaxSpan.textContent = "$" + federalTaxPerPeriod.toFixed(2);
detailSocialSecuritySpan.textContent = "$" + socialSecurityTaxPerPeriod.toFixed(2);
detailMedicareSpan.textContent = "$" + medicareTaxPerPeriod.toFixed(2);
detailOtherDeductionsSpan.textContent = "$" + otherDeductionsPerPeriod.toFixed(2);
detailTotalDeductionsSpan.textContent = "$" + totalDeductionsPerPeriod.toFixed(2);
// Highlight the net pay result
document.getElementById("result").style.borderColor = "#28a745"; // Success green border
}