Find your exact take-home pay — updated for 2025 federal tax brackets. Zero state income tax in Texas means more in your pocket.
Your Paycheck Breakdown
| Gross Pay | — |
| Pre-Tax Deductions (401k, HSA, etc.) | — |
| Federal Income Tax (IRS 2025 brackets) | — |
| Social Security (6.2%) | — |
| Medicare (1.45% + surtax if applicable) | — |
| Additional Withholding (W-4 Step 4c) | — |
| Texas State Income Tax | — |
| Post-Tax Deductions (Roth 401k, etc.) | — |
| Net Take-Home Pay | — |
| Effective Tax Rate | — |
The Lone Star Advantage
Texas is one of only nine states with no individual state income tax. That means more of your hourly earnings stay in your pocket compared to most other states.
Texas law does not impose a state income tax on wages or salaries. Your paycheck deductions are limited to federal taxes and FICA — no state withholding forms, no state brackets.
Under the federal Fair Labor Standards Act, Texas hourly employees must receive at least 1.5× their regular rate for all hours worked over 40 in a single workweek.
Because Texas has no state income tax, you only need to file a federal W-4 with your employer. There is no separate Texas withholding certificate required.
Contributing to a 401(k), HSA, or FSA reduces your federal taxable income and your FICA base, lowering your overall tax burden and increasing your net pay.
Texas uses the federal minimum wage of $7.25 per hour. Texas has not enacted a higher state minimum wage, though local ordinances in some cities may differ for certain contracts.
Under Texas Payday Law, most employees must be paid at least twice per month. Semi-monthly or biweekly pay schedules are most common among Texas employers.
2025 IRS Tax Rates
Our calculator uses the official 2025 IRS federal income tax brackets and standard deductions.
Tax is calculated progressively — each bracket only applies to income within that range.
| Tax Rate | Taxable Income Range | Tax Owed in Bracket |
|---|---|---|
| 10% | $0 – $11,925 | 10% of taxable income |
| 12% | $11,925 – $48,475 | $1,193 + 12% over $11,925 |
| 22% | $48,475 – $103,350 | $5,579 + 22% over $48,475 |
| 24% | $103,350 – $197,300 | $17,652 + 24% over $103,350 |
| 32% | $197,300 – $250,525 | $40,200 + 32% over $197,300 |
| 35% | $250,525 – $626,350 | $57,231 + 35% over $250,525 |
| 37% | Over $626,350 | $188,769 + 37% over $626,350 |
Both you and your employer each contribute these amounts.
| Tax | Employee Rate | Wage Base / Limit |
|---|---|---|
| Social Security | 6.2% | First $176,100 of wages (2025) |
| Medicare | 1.45% | All wages (no cap) |
| Additional Medicare | 0.9% | Wages over $200,000 (single) / $250,000 (MFJ) |
| Texas State Income Tax | 0% | No state income tax in Texas |
Common Questions
From The Blog
Deep dives into Texas tax law, paycheck deductions, and strategies to maximize your take-home pay.
Everything you need to know about Texas paycheck deductions, federal tax brackets, FICA withholding, overtime rules, and how to maximize your take-home pay in the Lone Star State.
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