Review a Texas employee paycheck using the existing federal estimate. Texas personal income-tax withholding is entered as zero; federal withholding, FICA and employee deductions can still reduce net pay. Check work and residence in other states separately.
Enter Pay Frequency, Pay Type, and Wage Details
How this calculator works
Enter hourly or salary wages, pay frequency and federal W-4 information. The initial Other state setting uses zero Texas personal income-tax withholding. Enter actual employee benefits and other payroll deductions. This does not estimate employer unemployment costs or determine overtime eligibility.
Example calculation
Fictional example: 80 hours at $25 gives $2,000 biweekly gross. With the existing engine’s default Single W-4, no prior taxable wages, zero state withholding and no deductions, estimated net is $1,690.85. A $25 post-tax deduction reduces that net to $1,665.85.
2026 methodology & assumptions
For regular U.S. employee wages with a 2020-or-later W-4. This estimate uses 52 weekly, 26 biweekly, 24 semi-monthly or 12 monthly pay periods. Federal withholding follows IRS Publication 15-T Worksheet 1A. Amounts are rounded to cents.
Social Security uses a $184,500 wage limit and 6.2% employee rate; Medicare uses 1.45%. Additional Medicare withholding is 0.9% on wages above $200,000 paid by the same employer, regardless of filing status. Enter year-to-date taxable wages before this paycheck to model those thresholds.
California uses EDD Method B annualization, including DE 4 allowances and 1.3% uncapped SDI. Period-specific tables may differ slightly because of rounding. Supplemental wages, nonresident-alien adjustments, self-employment tax, local taxes, special exemptions, and multi-state allocation are not automatically modeled. Overtime is not automatically treated as tax-free.
Frequently asked questions
Why is Texas net pay lower than gross?
Federal withholding, Social Security, Medicare and employee deductions can still apply even with zero Texas personal income-tax withholding.
Is employer unemployment included?
No. Keep employer-paid costs separate from employee withholding and net pay.
Can I use this for multistate work?
Use payroll records and applicable state guidance for the actual amounts. This page does not determine sourcing, residency or cross-state obligations.
Calculations are estimates for informational purposes and may not reflect every tax, deduction, credit, local tax, or individual payroll situation. Verify important payroll and tax information with applicable government guidance or a qualified professional. Use the generator only for accurate, authorized payroll records.
Texas payroll review: income tax is only one line
Texas has no personal state income tax. This is why the initial state withholding entry is $0, not a promise that the entire paycheck is tax-free. Texas Comptroller: no personal income tax.
Check deductions before preparing the statement
The Texas Workforce Commission distinguishes legally required deductions from deductions requiring employee authorization. A calculator can reconcile arithmetic; it cannot decide whether a deduction is authorized. Keep the supporting payroll record and review an unfamiliar charge before putting it on a replacement document. TWC deduction guidance.
Employee pay and employer cost
Employer unemployment costs are outside this employee net-pay tool. Record gross wages, employee withholding and employee deductions separately in your payroll register. Add employer costs from your records rather than treating the employee’s deposit as total payroll expense.
Prepare an accurate Texas payroll record
Match rates and hours to the covered period.
Review W-4 information and prior taxable wages.
Confirm zero Texas income-tax withholding is appropriate; examine any other-state obligations.
Check each deduction and reconcile gross minus withholding and deductions to net.
Copy the summary, open the generator and enter verified current and actual YTD values.
Reviewed October 6, 2026. The example uses the unchanged 2026 estimation engine. It is not an employer-certified statement.
Related payroll calculators and records
Review wages, withholding and deductions against your records. Use the free tools for an estimate, then create a document only from accurate, authorized payroll information.
