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Texas Paycheck Calculator

Estimate your 2026 take-home pay after federal tax, FICA

Estimate only — not tax advice. Single-filer assumption, based on standard federal/state calculations. See methodology below for source and last-verified date. For your exact withholding, consult a tax professional or your payroll department.

How to Calculate Your Texas Take-Home Pay

  1. Start with your gross annual salary.
  2. Subtract the 2026 federal standard deduction ($16,100 single) to get taxable income, then apply the 2026 federal brackets (10%-37%).
  3. Subtract FICA: 6.2% Social Security (up to the $184,500 wage base) + 1.45% Medicare (all wages, +0.9% above $200,000).
  4. Texas charges no state income tax — your paycheck stops there. What's left is your net take-home pay.

Example: $65,000/year gross salary, single filer, Texas resident.

  1. Federal taxable income: $65,000 - $16,100 = $48,900 → federal tax = $1,240 + ($48,900 - $12,400) × 12% = $5,620
  2. FICA: $65,000 × 7.65% = $4,972.50
  3. Texas state tax: $0
  4. Net annual pay: $65,000 - $5,620 - $4,972.50 = $54,407.50 (≈$4,533.96/month)

How Texas Paycheck Tax Is Calculated (2026)

Source: Texas Comptroller of Public Accounts

Texas charges no state income tax. Only federal income tax and FICA are withheld from your paycheck.

Federal Tax & FICA (shared across all states)

Federal standard deduction (single)$16,100
Federal brackets10% / 12% / 22% / 24% / 32% / 35% / 37%
Social Security6.2% up to $184,500 wage base
Medicare1.45% on all wages, +0.9% above $200,000

Guideline version 2026-TX-v1 · Last verified 2026-07-26

Texas Paycheck Calculator FAQ

Does Texas have a state income tax?

No. Texas is one of nine states with no personal income tax, a status enshrined in the Texas Constitution since a 2019 voter-approved amendment (art. VIII, § 24). Your paycheck only has federal income tax and FICA withheld.

How much is take-home pay on $65,000 in Texas?

On a $65,000 gross salary, a single filer in Texas takes home roughly $54,440/year (about $4,537/month) after federal income tax and FICA — no state tax is withheld.

Are there any hidden state or local income taxes in Texas?

No Texas city or county levies a local income tax. Texas instead relies more heavily on sales tax and property tax to fund state and local government.

Methodology & Source

Texas state tax figures sourced from Texas Comptroller of Public Accounts (https://comptroller.texas.gov/), citing Tex. Const. art. VIII, § 24 (voter-approved 2019 ban on a state personal income tax). Federal brackets and FICA constants sourced from the IRS (Revenue Procedure 2025-32).

This is an estimate based on standard single-filer federal and FICA calculations. Actual withholding may differ based on your W-4 elections, pre-tax deductions (401k, health insurance), and other factors.

Guideline version: 2026-TX-v1 · Effective: 2019-01-01 · Last verified: 2026-07-26