Gross to Net Pay Calculator

Choose a supported state and estimate deductions from an ordinary resident paycheck.

2026 · Texas · Source check: 2026-10-26

Texas state individual income tax is $0. Federal withholding and employee Social Security and Medicare still apply. Traditional 401(k) and qualified Section 125 health premiums are supported. No employer unemployment taxes are deducted.

For ordinary W-2 resident employees working entirely in the selected state, using a 2020 or later W-4. Excludes self-employment, bonuses, taxable fringe benefits, tips, pensions, special payroll programs and tax treaties. No location taxes or employee state contributions apply to the supported ordinary scenarios.

Your paycheck

StateTax yearPay typePay frequencyGross annual salary ($)Federal filing status (W-4)

Hourly pay assumes 52 paid weeks without overtime. Annual salary is divided into equal pay periods.

Advanced Options — W-4, deductions and year-to-date wages

Pay dateW-4 Step 3 annual credits ($)W-4 Step 4(a) annual other income ($)W-4 Step 4(b) annual deductions ($)W-4 Step 4(c) extra per paycheck ($)Traditional 401(k), per paycheck ($)Qualified Section 125 health premium, per paycheck ($)Post-tax deductions, per paycheck ($)Prior YTD Social Security wages, this employer ($)Prior YTD Medicare wages, this employer ($)

W-4 Step 2(c) multiple jobs checkbox Valid W-4 federal income-tax exemption (FICA still applies)

Only enter a qualified health premium confirmed exempt from federal income tax and FICA. State pre-tax benefit scenarios are currently supported for Texas only. Enter deductions per selected paycheck. YTD excludes the current payment.

I live and work entirely in Texas. I have a state exemption, border/reciprocity rule or special payroll contribution.

Estimated take-home pay

$1,938.07

Biweekly paycheck · after supported deductions

Gross pay: $2,307.69
Federal taxable wages: $2,307.69
Social Security / Medicare wages: $2,307.69
State taxable wages: $2,307.69
Federal income tax withheld: $193.08
State income tax withheld: $0.00
Applicable local taxes: $0.00
Social Security: $143.08
Medicare: $33.46
Additional Medicare withholding: $0.00
Other employee payroll contributions: $0.00
Pre-tax deductions: $0.00
Post-tax deductions: $0.00

Net = gross − withholding − employee payroll taxes − pre-tax deductions − post-tax deductions. Taxable wage rows describe tax bases and are not extra deductions.

Federal withholding uses IRS Worksheet 1A: annualize taxable wages, apply W-4 adjustments and the selected percentage schedule, subtract Step 3 credits, divide by pay periods, then add Step 4(c). Retirement deferrals do not reduce FICA wages.

Withholding versus annual tax

Withholding is an advance payment toward tax, not your final tax liability. A refund or amount due depends on your full return. Additional Medicare payroll withholding starts above $200,000 from this employer regardless of filing status; tax-return thresholds differ. Multiplying this paycheck by the number of periods is not a reliable annual net projection when wage caps are crossed.

Example and assumptions

A $60,000 salary gives $2,307.69 gross every two weeks before rounding and deductions. Prior year-to-date wages default to zero, so this represents a first paycheck. Enter actual prior wages to estimate a later paycheck. Changing pay frequency does not automatically convert per-paycheck deduction inputs.

Frequently asked questions

Are overtime and tips tax-free?

No. Qualified deductions may affect income-tax liability and W-4 elections; they do not automatically remove payroll taxes. Enter only the deduction determined on your completed W-4. This calculator excludes special tip reporting.

Will this exactly match my employer?

Not guaranteed. Payroll rounding, benefits, state exemptions and supplemental wages can differ. Unsupported scenarios suppress the result instead of showing an incomplete net paycheck.

Official sources

IRS Publication 15-T — Worksheet 1A and annual percentage tables · effective 2026-01-01
IRS Publication 15 — employee payroll taxes · effective 2026-01-01
SSA — contribution and benefit base · effective 2026-01-01
Texas Comptroller — no personal income tax · effective 2026-01-01

Sources & methodology · All state calculators