One of the benefits of residing and working in Texas is the absence of a state income tax. Consequently, only federal income taxes apply to your salary in this state. Additionally, it is important to mention that no cities within Texas enforce any local income tax.
To better understand how your earnings break down after deductions, many employees and employers rely on payroll tools such as a paystub generator to view clear paycheck summaries and withholding details.
The amount you receive in your paychecks each year may not align with your hourly wage or annual salary because your employer deducts taxes from your earnings. Both you and your employer are obligated to contribute 6.2% of your earnings for Social Security taxes and 1.45% for Medicare taxes, which are collectively known as FICA taxes.
Important Note: The StubCreator provides a paycheck calculator designed to provide essential guidance. This should not be relied upon to calculate exact taxes, payroll, or other financial data. You should seek a professional accountant regarding any particular requirement.
If you live in Texas and you make $58,146.00 a year (we’ve made some assumptions with this annual salary), then after tax you will have about $48,900.86 per year ($4,075.07 per month) available to spend on anything you want or need (i.e. net pay). Your average tax rate is 15.85% and your marginal tax rate is 24.22%. That includes: round 7.80% for Federal Income Tax — $4,534.00 About 0.00% for State Income Tax — $0.00 round 6.20% for Social Security — $3,606.05 And finally, about 1.45% from Medicare —$843.12.
To actually see how these deductions show up on a pay stub, observing an example of some sample pay stubs can give you a shot to check out exactly how earnings, taxes, and net pay are presented on checks.
The taxable wage in Texas for 2026 is $9,000, nearly the same as last year.
| Year | Texas Taxable Base Wage |
| 2026 | $9,000 |
| 2025 | $9,000 |
| 2024 | $9,000 |
| 2023 | $9,000 |
| 2022 | $9,000 |
SUTA Rates
Unemployment tax rates were announced in January 2026, and they differed slightly from the previous years.
| Year | Texas SUTA Rates |
| 2026 | 0.32% to 6.32% |
| 2025 | 0.31% to 6.31% |
| 2024 | 0.25% to 6.25% |
| 2023 | 0.23% to 6.23% |
| 2022 | 0.31% to 6.23% |
FUTA Rates
The FUTA tax is paid by the employer for each of its employees. Your workers are not liable for the tax. This tax is the same everywhere in the country. Here is what the gross FUTA rate looks like for employees’ wages:
| Year | FUTA Rates |
| 2026 | 6% on first $7000 |
| 2025 | 6% on first $7000 |
| 2024 | 6% on first $7000 |
| 2023 | 6% on first $7000 |
| 2022 | 6% on first $7000 |
FICA Rates
In Texas, the FICA tax rates for 2026 are as follows:
For Employees and Employers:
Additional Medicare Taxes
| Year | Texas FICA Rates |
| 2026 | 7.65% |
| 2025 | 7.65% |
| 2024 | 7.65% |
| 2023 | 7.65% |
| 2022 | 7.65% |
The only payroll tax that is mandated at the state level in Texas is the unemployment insurance tax. The tax is part of a national program the U.S. Department of Labor operates. Employers or employees won’t have to pay income tax in Texas.
The Texas paycheck calculator calculates your net pay by considering factors such as your gross wages, tax withholdings, deductions, exemptions, and other applicable contributions. It factors in federal income tax, FICA (Social Security and Medicare taxes), and any additional deductions or contributions.
To effectively utilize the Texas paycheck calculator, you'll need details such as your gross wages (pre-tax earnings), pay frequency (e.g., weekly, bi-weekly), filing status (single, married), allowances, and any additional deductions or contributions you wish to include.
While the paycheck calculator aims to provide accurate estimates, it's essential to recognize that it offers approximations. Variations in tax laws, personal circumstances, or other factors may affect your actual paycheck. For precise calculations, consider consulting with a tax professional or referring to official tax documents.