Texas Paycheck
Calculator

Under this Texas-only employee scope, personal state and local income-tax withholding is zero. Federal income-tax withholding, employee Social Security, Medicare and sometimes Additional Medicare withholding still apply. Benefits, retirement and other cash deductions can also reduce net pay.

The tool uses the selected year’s IRS Publication 15-T Worksheet 1A and annual automated percentage schedules for 2020-or-later W-4 forms. It annualizes federal withholding wages, applies W-4 adjustments, divides the tentative withholding across pay periods and applies credits and extra withholding. It does not divide a final annual tax-return estimate by pay periods.

Step 3, Step 4(a) and Step 4(b) are annual amounts. Step 4(c) is extra withholding for each paycheck. The Step 2(c) checkbox selects the applicable withholding schedule. Enter the actual settings on this job’s W-4; this calculator does not determine election or credit eligibility.

Social Security is limited by an annual same-employer wage base: $176,100 for 2025 and $184,500 for 2026. Employer Additional Medicare withholding starts above $200,000 of Medicare wages paid by that employer. Use wages before this check. Blank YTD entries keep affected taxes and net pay unknown rather than assuming zero.

The employer withholding trigger is $200,000 for every filing status. Your final return’s Additional Medicare liability can use a different threshold based on filing status and combined income. This calculator estimates employer withholding, not final annual liability.

No. Verified benefits exempt from both federal income tax and FICA reduce both modeled wage bases. Ordinary pre-tax employee 401(k) deferrals reduce federal withholding wages but not Social Security/Medicare wages. Roth and other after-tax deductions reduce cash net without a modeled tax-base reduction. Eligibility and plan limits need verification.

Yes. Enter straight-time and already-verified eligible overtime hours for the whole paycheck. The model multiplies overtime by 1.5 times the entered regular hourly rate. It does not decide overtime eligibility or calculate special blended rates. Fixed salary and per-check cash-gross entry modes are also supported.

Employers may use other allowed methods or rounding, and actual wages may include tips, bonuses, noncash benefits or special deductions outside this model. Year-to-date figures and W-4 settings also matter. Legacy/exempt/nonresident W-4 treatment, multi-state work, garnishment priority and special owner rules are excluded.

No annual net projection is supplied because Social Security and Additional Medicare can change over the year. The separately shown employer FICA is not an employee deduction or full employer payroll cost. Unemployment taxes, employer benefits and other employer costs are excluded. If modeled deductions exceed cash pay, the tool flags a shortfall rather than showing a supported negative paycheck.