Texas Hourly Paycheck Calculator

No Texas State Income Tax

Texas has no state income tax, so we only withhold federal income tax, Social Security, and Medicare. This gives Texas workers a significant take-home pay advantage over most other states.

Federal Income Tax (2026 Brackets)

Federal income tax is based on your taxable income after the standard deduction ($15,000 single; $30,000 married filing jointly), using 2026 IRS progressive brackets.

Social Security Tax

Social Security is 6.2% of wages up to the 2026 wage base of $184,500. Once your earnings exceed this threshold, no additional Social Security tax is withheld.

Medicare Tax

Medicare is 1.45% of all wages with no cap. An additional 0.9% applies to wages above $200,000 annually — not matched by your employer.

Pre-tax Deductions (Optional)

401(k) contributions and employer-sponsored health insurance reduce your taxable income before federal tax is calculated. They do not reduce FICA taxes.

No. Texas is one of nine U.S. states with no state income tax on wages. Your paycheck deductions are limited to federal income tax, Social Security (6.2%), and Medicare (1.45%). Texas workers keep more of every dollar earned compared to residents of California, New York, or Oregon.

At $20/hour working 40 hours per week, your annual gross is $41,600. After the 2026 standard deduction ($15,000 single), taxable income is $26,600. Federal tax is ~$2,918; Social Security $2,579; Medicare $603 — leaving about $35,500/year, or ~$1,365 per bi-weekly paycheck.

This calculator uses 2026 IRS tax brackets, the $184,500 Social Security wage base, and current standard deductions. It does not account for itemized deductions, child tax credits, EITC, or employer-specific benefits beyond 401(k) and health insurance. For precise tax planning, consult a tax professional.

We update annually when the IRS and SSA announce new brackets, deductions, and wage bases — typically each fall for the following tax year. The 2026 figures reflect IRS inflation adjustments published for the 2026 tax year.

Bi-weekly = 26 paychecks/year (every two weeks). Semi-monthly = 24 paychecks/year (twice per month on fixed dates). Bi-weekly employees receive two extra paychecks annually, so each individual check is slightly smaller for the same annual salary.

The current version uses a fixed hourly rate and hours per week, annualized over 52 weeks. For overtime, enter your blended effective hourly rate as a workaround. A dedicated overtime calculator is planned for a future update.