Texas Salary After Tax Calculator

The definitive guide for estimated take-home pay in the Lone Star State. Texas has no state income tax, meaning your earnings only navigate the federal tax waterfall.

Safety Disclaimer: This tool provides an estimate only. Texas has no state income tax, but federal withholding and FICA still apply. Always consult with a certified tax professional.

Net Pay (Annually)$78,736
Federal Tax-$13,614.00
State Tax (TX)-$0.00
Social Security-$6,200.00
Medicare-$1,450.00
Monthly Take-Home$6,561
Bi-Weekly Paycheck$3,028

Understanding Your Texas Paycheck

In Texas, the "gross-to-net" calculation is significantly simpler than in most other US states. Because Texas is one of the states with no state income tax, the primary friction on your paycheck comes from federal sources: Federal Income Tax and FICA.

This "Tax-Free" status is a primary driver for the state's rapid growth. However, it is important to remember that while your paycheck is higher, the state funds its infrastructure primarily through property and sales taxes. For the purpose of your monthly liquid budget, Texas remains one of the most efficient states for earners in the US.

Federal Deductions in Texas

Even without a state tax, your Texas paycheck is subject to the same progressive federal brackets used by the IRS nationwide. For 2025, these range from 10% to 37%. Additionally, FICA (Social Security and Medicare) combined takes a flat 7.65% from most earners.

DeductionRate/Logic
Federal Income TaxProgressive (10% - 37%)
FICA - Social Security6.2% (up to $176,100)
FICA - Medicare1.45%
Texas State Tax0% (None)

FAQ: Texas Taxes

Does Texas have a local income tax?
No. Unlike New York or Ohio, Texas cities do not levy municipal income taxes on workers.
Why is my Texas paycheck still lower than gross?
Federal Income Tax and FICA still take a significant portion of your earnings. On a $100k salary, you still pay ~$25k in federal deductions.