Texas Tax Calculator
Estimate federal income tax, employee FICA, Texas property tax, and take-home pay. Texas has no individual state income tax, so the model focuses on the taxes that still affect a Texas household.
Income and property inputs
Estimated results
Annual tax mix
Annual and per-paycheck detail
| Line item | Annual amount | Per paycheck | Share of AGI |
|---|
How to use the Texas tax calculator
What this calculator does
This calculator estimates a Texas resident's annual federal income tax, employee Social Security and Medicare taxes, property tax, and take-home pay. It also converts the annual result into a paycheck estimate using the selected pay frequency. Texas does not impose an individual state income tax, so the state-income-tax result is always zero. The tool is a planning estimate, not a tax return, payroll withholding certificate, appraisal, or legal determination. It does not model every federal credit, pre-tax benefit, self-employment tax, capital gain, business income rule, or local exemption.
When to use it
Use it when comparing a Texas job offer, preparing a household budget, estimating the effect of a home purchase, or checking how deductions and filing status change your annual cash flow. It is also useful for separating payroll taxes from property tax, which helps avoid the common mistake of equating “no state income tax” with “no Texas taxes.”
How to calculate
- The calculator opens with a complete demonstration: $85,000 AGI, biweekly pay, single filing status, one additional dependent, $18,000 itemized deductions, $2,400 post-tax deductions, a $350,000 assessed home value, and a 1.60% property-tax rate. The example workbook is already validated, so Download Excel is available immediately.
- Replace each demonstration value with your own annual figures. Use U.S. decimal notation: for example, enter 85000 or 85,000, and enter a rate such as 1.60 for 1.60%.
- Read Annual take-home first, then review the federal, FICA, and property-tax cards. The annual tax mix and detail table use the same calculated model.
- Select Download Excel to create a current-state OOXML workbook. Reset clears the demonstration and calculated state; while required fields are empty, the download is disabled until a complete valid scenario is entered again.
Input guide
Adjusted gross income (AGI) is required annual income in U.S. dollars, from $0 to $100 million. A realistic example is $85,000. Higher AGI usually increases federal and FICA tax, although brackets and wage limits matter. Do not enter monthly pay. Pay frequency is required and accepts monthly, semi-monthly, biweekly, or weekly. It changes only per-paycheck presentation, not annual tax. Year of income is required and selects the federal bracket and standard-deduction schedule for 2024 or 2025. Filing status is required; choose Single, Married filing jointly, or Head of household. It changes the deduction and bracket thresholds.
Additional dependents is a required whole number from 0 to 20. This simplified model applies a nonrefundable $500 credit per dependent, so adding a dependent can reduce federal tax but never below zero. It is not a full Child Tax Credit eligibility test. Itemized deductions is required annual dollars from $0 to AGI; the calculator uses the larger of this value or the applicable standard deduction. Entering $18,000 when the standard deduction is lower reduces taxable income; entering a smaller amount has no effect. Post-tax deductions is required annual dollars from $0 to AGI and reduces take-home after tax without changing taxable income.
Assessed home value is required annual property value from $0 to $100 million. Enter 0 to exclude property tax. Applied property tax rate is required from 0% to 10%; enter the combined rate shown on your appraisal or tax statement, not a statewide average. The Texas Comptroller explains that property taxes are local and provides official Texas property-tax guidance.
Output guide
Annual take-home after modeled taxes and post-tax deductions is AGI minus federal income tax, employee FICA, and post-tax deductions. Property tax is reported separately as a household tax cost and is included in Total modeled taxes, but not subtracted from payroll take-home. Take-home per paycheck divides annual payroll take-home by the selected number of pay periods. Federal income tax applies the selected year's progressive brackets after the larger deduction and the simplified dependent credit. Employee FICA combines Social Security and Medicare under the model's annual wage limits and rates. Texas state income tax is the exact identity $0 under current Texas law for individual wage income.
Estimated property tax equals assessed home value multiplied by the entered rate. A zero home value or zero rate produces zero. Total modeled taxes adds federal income tax, employee FICA, Texas state income tax, and property tax. Effective tax divides total modeled taxes by AGI; a high value can reflect a high property tax relative to income. Pay periods restates the chosen frequency. In the detail table, Annual amount and Per paycheck show the same line items at two time scales, while Share of AGI supports comparison across households. The annual tax mix chart visualizes federal, FICA, and property tax only when at least two positive categories exist.
Worked example
For the startup example, the 2025 single standard deduction is $15,000, so the $18,000 itemized deduction is used. Taxable income is $85,000 – $18,000 = $67,000. Applying the 2025 single brackets produces $10,114 of tax before credits; one $500 dependent credit reduces federal income tax to $9,614. Employee FICA is $5,270 of Social Security plus $1,232.50 of Medicare, or $6,502.50. Payroll take-home is therefore $85,000 – $9,614 – $6,502.50 – $2,400 = $66,483.50, or $2,556.25 across 26 biweekly paychecks. Property tax is $350,000 × 1.60% = $5,600, making total modeled taxes $21,716.50 and an effective modeled tax rate of 25.55% of AGI.
The IRS federal income-tax brackets explain why the highest bracket reached is not applied to every dollar of taxable income.
How the model works
Federal income tax is calculated progressively: each bracket rate applies only to taxable income inside that bracket. The deduction is the larger of the entered itemized amount or the standard deduction for the selected filing status and year. The dependent amount is then treated as a simplified nonrefundable credit. Employee FICA uses the Social Security rate up to the annual wage base and the Medicare rate on all wages, with the additional Medicare rate above the filing-status threshold. See the Social Security contribution and benefit base and the IRS Social Security and Medicare tax overview for the underlying payroll-tax rules.