Weekly
Bi-Weekly (Every 2 Weeks)
Semi-Monthly (Twice a Month)
Monthly
Enter your filing status (Single, Married, Head of Household) and number of allowances (or enter 'Exempt' if applicable). If you don't know, use 'Single, 0'.
This rate is standard for employees.
This rate is standard for employees.
Enter any other pre-tax or post-tax deductions.
Your Estimated Net Pay:
$0.00
Understanding Your Texas Paycheck
Texas is one of a few states that does not have a state income tax. This means that residents of Texas generally see more of their gross pay "take home" compared to those living in states with higher income taxes. However, federal taxes and other deductions still apply.
Key Components of Your Paycheck Calculation:
Gross Pay: This is the total amount of money you earn before any deductions are taken out. It's your base salary or wages.
Federal Income Tax Withholding: This is a significant deduction. The amount withheld is determined by the information you provide on your Form W-4, including your filing status (Single, Married, Head of Household) and the number of allowances you claim. Higher allowances generally mean less tax withheld. Since 2020, the IRS has moved away from a strict "allowance" system and towards claiming specific dollar amounts for various adjustments, but many individuals still think in terms of allowances, and tax software often uses this simplification. This calculator uses a simplified approach based on common W-4 entries.
Social Security Tax: A mandatory federal tax that funds Social Security benefits. For 2025, the rate is 6.2% of your gross pay, up to an annual wage base limit (which is $168,600 for 2024, and likely to be adjusted slightly for 2025). This calculator assumes you are below the annual limit.
Medicare Tax: Another mandatory federal tax that funds Medicare. The rate for 2025 is 1.45% of your gross pay. There is no wage limit for Medicare tax.
Other Deductions: This category includes voluntary deductions like health insurance premiums, retirement contributions (401(k), 403(b)), life insurance, etc. These can be pre-tax or post-tax, affecting your taxable income differently. This calculator treats them as a lump sum deduction from your gross pay after federal income tax estimation.
Net Pay: This is your "take-home" pay – the amount of money you actually receive after all taxes and deductions are subtracted from your gross pay.
How This Calculator Works (Simplified 2025 Estimates):
This calculator provides an *estimate* and should not be considered definitive tax advice. Tax laws can be complex and individual situations vary.
Gross Pay: You input your gross earnings for a specific pay period.
Federal Income Tax: This is the most complex part to estimate without specialized software. This calculator uses a simplified estimation. It considers your filing status and assumes a standard federal income tax bracket and withholding calculation that is common for employees. Note: For actual tax filing, consult IRS guidelines or tax professionals. The W-4 system has become more detailed, but this calculator uses common inputs.
FICA Taxes (Social Security & Medicare): These are calculated as a percentage of your gross pay:
Other Deductions: Any amount entered here is subtracted directly.
Net Pay Calculation:Net Pay = Gross Pay - Estimated Federal Income Tax - Social Security Tax - Medicare Tax - Other Deductions
Disclaimer: This calculator is for educational and estimation purposes only. It uses generalized assumptions for federal tax withholding. Actual tax liability depends on many factors, including specific W-4 elections, total annual income, other income sources, and tax law changes. For precise calculations, consult a qualified tax professional or use official IRS tax preparation software.
function calculatePaycheck() {
var grossPay = parseFloat(document.getElementById("grossPay").value);
var payFrequency = document.getElementById("payFrequency").value;
var federalW4 = document.getElementById("federalIncomeTaxWithholding").value.trim().toLowerCase();
var socialSecurityRate = parseFloat(document.getElementById("socialSecurityTaxRate").value);
var medicareRate = parseFloat(document.getElementById("medicareTaxRate").value);
var otherDeductions = parseFloat(document.getElementById("otherDeductions").value);
var netPay = 0;
var estimatedFederalTax = 0;
// — Input Validation —
if (isNaN(grossPay) || grossPay < 0) {
alert("Please enter a valid Gross Pay amount.");
return;
}
if (isNaN(otherDeductions) || otherDeductions 1) {
var allowanceNum = parseInt(w4Parts[w4Parts.length – 1].trim());
if (!isNaN(allowanceNum)) {
allowances = allowanceNum;
}
}
// Placeholder for 2025 Tax Brackets and Standard Deduction (Illustrative)
// These are rough estimates for demonstration. Actual 2025 figures will be released by IRS.
var standardDeduction2025 = {
single: 14,600, // Placeholder
married: 29,200, // Placeholder
hoh: 21,900 // Placeholder
};
var taxBrackets2025 = {
single: [
{ limit: 11,600, rate: 0.10 },
{ limit: 47,150, rate: 0.12 },
{ limit: 100,525, rate: 0.22 },
{ limit: 191,950, rate: 0.24 },
{ limit: 243,725, rate: 0.32 },
{ limit: 609,350, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
],
married: [
{ limit: 23,200, rate: 0.10 },
{ limit: 94,300, rate: 0.12 },
{ limit: 201,050, rate: 0.22 },
{ limit: 383,900, rate: 0.24 },
{ limit: 487,450, rate: 0.32 },
{ limit: 1,218,700, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
],
hoh: [
{ limit: 16,550, rate: 0.10 },
{ limit: 63,100, rate: 0.12 },
{ limit: 100,500, rate: 0.22 },
{ limit: 191,950, rate: 0.24 },
{ limit: 243,700, rate: 0.32 },
{ limit: 609,350, rate: 0.35 },
{ limit: Infinity, rate: 0.37 }
]
};
var taxableIncome = annualGrossPay – standardDeduction2025[filingStatus] – (allowances * 4000); // Simplified allowance value
taxableIncome = Math.max(0, taxableIncome); // Taxable income cannot be negative
var currentTaxableIncome = taxableIncome;
var annualFederalTax = 0;
var brackets = taxBrackets2025[filingStatus] || taxBrackets2025.single;
for (var i = 0; i < brackets.length; i++) {
var bracket = brackets[i];
if (currentTaxableIncome <= 0) break;
var taxableInBracket = Math.min(currentTaxableIncome, bracket.limit);
annualFederalTax += taxableInBracket * bracket.rate;
currentTaxableIncome -= taxableInBracket;
}
// Adjust for pay period
var perPeriodFederalTax = 0;
if (payFrequency === "weekly") {
perPeriodFederalTax = annualFederalTax / 52;
} else if (payFrequency === "bi-weekly") {
perPeriodFederalTax = annualFederalTax / 26;
} else if (payFrequency === "semi-monthly") {
perPeriodFederalTax = annualFederalTax / 24;
} else if (payFrequency === "monthly") {
perPeriodFederalTax = annualFederalTax / 12;
}
estimatedFederalTax = perPeriodFederalTax;
// — End Federal Income Tax Estimation —
// — Final Net Pay Calculation —
netPay = grossPay – estimatedFederalTax – socialSecurityTax – medicareTax – otherDeductions;
netPay = Math.max(0, netPay); // Net pay cannot be negative
// Display Result
document.getElementById("netPay").innerText = "$" + netPay.toFixed(2);
}