Texas Paystub Calculator

When it comes to understanding your paycheck in Texas, accuracy is everything. Whether you’re an employee, employer, freelancer, or contractor, having a clear picture of your gross and net pay is essential for financial planning, tax reporting, and budgeting. That’s where the Texas Paystub Calculator comes in—a simple, reliable tool that lets you generate and estimate your paycheck breakdown in seconds.

Texas Paystub Calculator
Texas has no state income tax. Federal taxes and FICA apply.
Gross Pay (per pay period)
Pay Frequency
Federal Tax Rate (%)
FICA Rate (%)
Net Pay (per pay period): $0
Annual Net Pay: $0

What is a Texas Paystub Calculator?

A Texas Paystub Calculator is an online tool that helps you compute your paycheck by taking into account your gross income, deductions, tax withholdings, and additional benefits. Unlike calculators for other states, this one does not deduct state income tax, as Texas does not impose one.

This makes it perfect for Texas-based:

  • Salaried employees
  • Hourly wage earners
  • Independent contractors (1099)
  • Small business owners creating paystubs

How to Use the Texas Paystub Calculator

Using the calculator is simple. You only need to enter basic information such as:

  1. Gross pay – Your total income before any deductions.
  2. Pay frequency – Weekly, bi-weekly, semi-monthly, or monthly.
  3. Hours worked (if hourly).
  4. Federal filing status – Single, Married, etc.
  5. Allowances or dependents claimed.
  6. Other deductions – 401(k), insurance, or additional withholdings.

Once you input these values, the calculator instantly provides:

  • Net pay (take-home pay)
  • Federal tax deductions
  • Social Security and Medicare contributions
  • Optional deductions (retirement, benefits, etc.)

Formula Behind the Texas Paystub Calculator

Here’s a simplified version of how the calculator works using plain text formulas:

  1. Gross Pay:
javaCopyEditGross Pay = Hourly Rate × Hours Worked (if applicable)
  1. Federal Income Tax (estimated based on IRS tables):
csharpCopyEditFederal Tax = Calculated from gross income using filing status and IRS tax brackets
  1. Social Security Tax:
javaCopyEditSS Tax = Gross Pay × 6.2%
  1. Medicare Tax:
javaCopyEditMedicare Tax = Gross Pay × 1.45%
  1. Voluntary Deductions (if any):
javaCopyEditOther Deductions = 401(k) + Insurance + Other
  1. Net Pay:
javaCopyEditNet Pay = Gross Pay - (Federal Tax + SS Tax + Medicare Tax + Other Deductions)

Example Calculation

Let’s assume the following:

  • Employee earns $25/hour
  • Works 40 hours/week
  • Paid bi-weekly (80 hours)
  • Single filing status
  • No extra deductions

Step 1: Gross Pay

bashCopyEdit$25 × 80 = $2,000

Step 2: Federal Tax (estimation)

pgsqlCopyEdit~$200 (depends on IRS bracket)

Step 3: Social Security

bashCopyEdit$2,000 × 6.2% = $124

Step 4: Medicare

bashCopyEdit$2,000 × 1.45% = $29

Step 5: Net Pay

bashCopyEdit$2,000 - ($200 + $124 + $29) = $1,647

Your net pay would be approximately $1,647 for that pay period.

Benefits of Using the Texas Paystub Calculator

  • ✅ No guesswork: Accurate federal tax withholding calculations.
  • ✅ No state income tax: Simplifies calculations specific to Texas.
  • ✅ Great for freelancers: Ideal for creating self-employed paystubs.
  • ✅ Budget planning: Know your take-home pay in advance.
  • ✅ Printable paystubs: Some tools allow exporting or printing for record-keeping.
  • ✅ Compliance: Ensure compliance with payroll laws and IRS requirements.

Common Use Cases

  • Employees who want to double-check their paycheck.
  • Employers generating paystubs for staff.
  • Gig workers and contractors preparing financial records.
  • Real estate agents, Uber drivers, and freelancers calculating earnings.
  • Loan or rent applications that require proof of income.

Things to Remember

  1. No Texas state tax – but federal tax is always deducted.
  2. Social Security maxes out annually (for 2025: $168,600 limit).
  3. Medicare surtax of 0.9% may apply over $200,000 income.
  4. Pay frequency impacts the amount withheld per paycheck.
  5. You must adjust for benefits like 401(k), insurance, or HSA if applicable.

20 Frequently Asked Questions (FAQs)

1. Does Texas have state income tax on paychecks?
No, Texas does not levy a state income tax.

2. Is the Texas Paystub Calculator free to use?
Yes, it’s 100% free and accessible online.

3. Can I use this calculator if I’m self-employed?
Yes, especially if you’re generating a paystub for proof of income.

4. Does the calculator include overtime pay?
Yes, you can add overtime hours at the appropriate rate.

5. Is this calculator accurate for 2025?
Yes, it’s updated for the current IRS tax brackets for 2025.

6. What if I have multiple jobs?
You should run separate calculations for each job’s paycheck.

7. Can I include bonuses?
Yes, you can add bonuses into gross pay for accurate withholding.

8. What if I’m paid monthly instead of biweekly?
You can select any pay frequency in the calculator.

9. How is Social Security tax calculated?
6.2% of gross pay up to the federal wage cap.

10. How is Medicare tax calculated?
1.45% of gross pay, with possible surtax over $200,000.

11. Can this calculator print or generate paystubs?
Some versions of the tool include downloadable or printable stubs.

12. Is this tool suitable for employers?
Yes, small businesses in Texas use it for payroll estimates.

13. Are the tax tables updated annually?
Yes, the calculator reflects the latest federal tax changes.

14. Does it calculate child support or wage garnishment?
No, that must be calculated separately based on court orders.

15. What’s the difference between gross and net pay?
Gross is before deductions, net is take-home pay.

16. Can I add retirement contributions?
Yes, 401(k), HSA, and insurance deductions can be entered.

17. What if I’m a tipped employee?
You can add base wages and tips manually to calculate gross pay.

18. Will this calculator help me with tax filing?
No, it only estimates pay; use official tax software for returns.

19. Is overtime taxed differently?
No, overtime is taxed the same as regular pay at federal rates.

20. Can I save my calculations?
Most tools allow copy, print, or download options for paystubs.

Conclusion

The Texas Paystub Calculator is a valuable tool for anyone working or hiring in the Lone Star State. Its straightforward, tax-friendly approach (thanks to the absence of state income tax) allows you to quickly and accurately determine your paycheck amount. Whether you’re employed, self-employed, or managing a small team, this calculator gives you peace of mind and financial clarity. Try it today to stay on top of your payroll!