Single
Married Filing Jointly
Head of Household
Married Filing Separately
Your Estimated Paycheck Details:
Gross Pay:
Federal Income Tax (FIT):
Social Security Tax:
Medicare Tax:
Pre-Tax Deductions:
Post-Tax Deductions:
Estimated Net Pay:
function calculatePaycheckTX() {
var grossPay = parseFloat(document.getElementById('grossPay').value);
var payFrequency = document.getElementById('payFrequency').value;
var filingStatus = document.getElementById('filingStatus').value;
var preTaxDeductions = parseFloat(document.getElementById('preTaxDeductions').value);
var extraWithholding = parseFloat(document.getElementById('extraWithholding').value);
var postTaxDeductions = parseFloat(document.getElementById('postTaxDeductions').value);
var errorDiv = document.getElementById('errorMessages');
errorDiv.innerHTML = "; // Clear previous errors
if (isNaN(grossPay) || grossPay < 0) {
errorDiv.innerHTML = 'Please enter a valid Gross Pay per Pay Period.';
return;
}
if (isNaN(preTaxDeductions) || preTaxDeductions < 0) {
errorDiv.innerHTML = 'Please enter valid Pre-Tax Deductions.';
return;
}
if (isNaN(extraWithholding) || extraWithholding < 0) {
errorDiv.innerHTML = 'Please enter valid Extra Federal Withholding.';
return;
}
if (isNaN(postTaxDeductions) || postTaxDeductions < 0) {
errorDiv.innerHTML = 'Please enter valid Post-Tax Deductions.';
return;
}
var payPeriodsPerYear;
switch (payFrequency) {
case 'weekly':
payPeriodsPerYear = 52;
break;
case 'bi-weekly':
payPeriodsPerYear = 26;
break;
case 'semi-monthly':
payPeriodsPerYear = 24;
break;
case 'monthly':
payPeriodsPerYear = 12;
break;
default:
payPeriodsPerYear = 26; // Default to bi-weekly
}
// — Federal Taxes (2024 Rates) —
// Social Security Tax (FICA – SS)
var socialSecurityRate = 0.062;
var socialSecurityWageBaseLimit = 168600; // 2024 limit
var annualGrossPay = grossPay * payPeriodsPerYear;
var annualSocialSecurityTaxable = Math.min(annualGrossPay, socialSecurityWageBaseLimit);
var socialSecurityTax = (annualSocialSecurityTaxable * socialSecurityRate) / payPeriodsPerYear;
// Medicare Tax (FICA – Med)
var medicareRate = 0.0145;
var medicareTax = grossPay * medicareRate;
// Note: Additional Medicare Tax (0.9% for high earners) is not included for simplicity in this basic calculator.
// Federal Income Tax (FIT)
var annualPreTaxDeductions = preTaxDeductions * payPeriodsPerYear;
var annualTaxableIncomeForFIT = annualGrossPay – annualPreTaxDeductions;
var standardDeduction;
switch (filingStatus) {
case 'single':
case 'married-separately':
standardDeduction = 14600; // 2024
break;
case 'married-jointly':
standardDeduction = 29200; // 2024
break;
case 'head-of-household':
standardDeduction = 21900; // 2024
break;
default:
standardDeduction = 14600; // Default to single
}
var taxableIncomeAfterStandardDeduction = Math.max(0, annualTaxableIncomeForFIT – standardDeduction);
var annualFIT = 0;
// 2024 Federal Income Tax Brackets (Annual)
if (filingStatus === 'single') {
if (taxableIncomeAfterStandardDeduction <= 11600) {
annualFIT = taxableIncomeAfterStandardDeduction * 0.10;
} else if (taxableIncomeAfterStandardDeduction <= 47150) {
annualFIT = 1160 + (taxableIncomeAfterStandardDeduction – 11600) * 0.12;
} else if (taxableIncomeAfterStandardDeduction <= 100525) {
annualFIT = 5426 + (taxableIncomeAfterStandardDeduction – 47150) * 0.22;
} else if (taxableIncomeAfterStandardDeduction <= 191950) {
annualFIT = 17167.50 + (taxableIncomeAfterStandardDeduction – 100525) * 0.24;
} else if (taxableIncomeAfterStandardDeduction <= 243725) {
annualFIT = 39115.50 + (taxableIncomeAfterStandardDeduction – 191950) * 0.32;
} else if (taxableIncomeAfterStandardDeduction <= 609350) {
annualFIT = 55678.50 + (taxableIncomeAfterStandardDeduction – 243725) * 0.35;
} else {
annualFIT = 183647.25 + (taxableIncomeAfterStandardDeduction – 609350) * 0.37;
}
} else if (filingStatus === 'married-jointly') {
if (taxableIncomeAfterStandardDeduction <= 23200) {
annualFIT = taxableIncomeAfterStandardDeduction * 0.10;
} else if (taxableIncomeAfterStandardDeduction <= 94300) {
annualFIT = 2320 + (taxableIncomeAfterStandardDeduction – 23200) * 0.12;
} else if (taxableIncomeAfterStandardDeduction <= 201050) {
annualFIT = 10852 + (taxableIncomeAfterStandardDeduction – 94300) * 0.22;
} else if (taxableIncomeAfterStandardDeduction <= 383900) {
annualFIT = 34337 + (taxableIncomeAfterStandardDeduction – 201050) * 0.24;
} else if (taxableIncomeAfterStandardDeduction <= 487450) {
annualFIT = 78221 + (taxableIncomeAfterStandardDeduction – 383900) * 0.32;
} else if (taxableIncomeAfterStandardDeduction <= 731200) {
annualFIT = 111357 + (taxableIncomeAfterStandardDeduction – 487450) * 0.35;
} else {
annualFIT = 195854.50 + (taxableIncomeAfterStandardDeduction – 731200) * 0.37;
}
} else if (filingStatus === 'head-of-household') {
if (taxableIncomeAfterStandardDeduction <= 16550) {
annualFIT = taxableIncomeAfterStandardDeduction * 0.10;
} else if (taxableIncomeAfterStandardDeduction <= 63100) {
annualFIT = 1655 + (taxableIncomeAfterStandardDeduction – 16550) * 0.12;
} else if (taxableIncomeAfterStandardDeduction <= 100500) {
annualFIT = 7247 + (taxableIncomeAfterStandardDeduction – 63100) * 0.22;
} else if (taxableIncomeAfterStandardDeduction <= 191950) {
annualFIT = 15411 + (taxableIncomeAfterStandardDeduction – 100500) * 0.24;
} else if (taxableIncomeAfterStandardDeduction <= 243700) {
annualFIT = 37065 + (taxableIncomeAfterStandardDeduction – 191950) * 0.32;
} else if (taxableIncomeAfterStandardDeduction <= 609350) {
annualFIT = 53621 + (taxableIncomeAfterStandardDeduction – 243700) * 0.35;
} else {
annualFIT = 181518.50 + (taxableIncomeAfterStandardDeduction – 609350) * 0.37;
}
} else if (filingStatus === 'married-separately') {
// Married Filing Separately uses the same brackets as Single, but with different thresholds for some benefits/limits.
// For simplicity in this calculator, we'll use the Single brackets.
if (taxableIncomeAfterStandardDeduction <= 11600) {
annualFIT = taxableIncomeAfterStandardDeduction * 0.10;
} else if (taxableIncomeAfterStandardDeduction <= 47150) {
annualFIT = 1160 + (taxableIncomeAfterStandardDeduction – 11600) * 0.12;
} else if (taxableIncomeAfterStandardDeduction <= 100525) {
annualFIT = 5426 + (taxableIncomeAfterStandardDeduction – 47150) * 0.22;
} else if (taxableIncomeAfterStandardDeduction <= 191950) {
annualFIT = 17167.50 + (taxableIncomeAfterStandardDeduction – 100525) * 0.24;
} else if (taxableIncomeAfterStandardDeduction <= 243725) {
annualFIT = 39115.50 + (taxableIncomeAfterStandardDeduction – 191950) * 0.32;
} else if (taxableIncomeAfterStandardDeduction <= 365600) { // MFS has a lower 35% bracket cap than Single
annualFIT = 55678.50 + (taxableIncomeAfterStandardDeduction – 243725) * 0.35;
} else {
annualFIT = 98886 + (taxableIncomeAfterStandardDeduction – 365600) * 0.37;
}
}
var federalIncomeTax = (annualFIT / payPeriodsPerYear) + extraWithholding;
federalIncomeTax = Math.max(0, federalIncomeTax); // FIT cannot be negative
// — Total Deductions —
var totalDeductions = federalIncomeTax + socialSecurityTax + medicareTax + preTaxDeductions + postTaxDeductions;
// — Net Pay —
var netPay = grossPay – totalDeductions;
// — Display Results —
document.getElementById('resultGrossPay').innerText = '$' + grossPay.toFixed(2);
document.getElementById('resultFIT').innerText = '$' + federalIncomeTax.toFixed(2);
document.getElementById('resultSocialSecurity').innerText = '$' + socialSecurityTax.toFixed(2);
document.getElementById('resultMedicare').innerText = '$' + medicareTax.toFixed(2);
document.getElementById('resultPreTaxDeductions').innerText = '$' + preTaxDeductions.toFixed(2);
document.getElementById('resultPostTaxDeductions').innerText = '$' + postTaxDeductions.toFixed(2);
document.getElementById('resultNetPay').innerText = '$' + netPay.toFixed(2);
}
// Run calculation on page load with default values
window.onload = calculatePaycheckTX;
Understanding Your Texas Paycheck
Navigating your paycheck can sometimes feel like deciphering a complex code, especially with various taxes and deductions. This Texas Paycheck Calculator is designed to help you estimate your net pay, giving you a clearer picture of your take-home earnings.
The Texas Advantage: No State Income Tax
One of the most significant benefits for employees in Texas is the absence of a state income tax. This means that unlike residents in many other states, Texans do not have a portion of their gross wages withheld for state-level income taxes. This can result in a higher net pay compared to individuals earning the same gross salary in states with income tax.
Federal Taxes You'll Still Pay
While Texas doesn't have state income tax, federal taxes are still a mandatory part of your paycheck. These include:
Federal Income Tax (FIT): This is the largest federal tax deduction and is based on your gross income, filing status (Single, Married Filing Jointly, Head of Household, etc.), and any pre-tax deductions. The amount withheld is determined by the information you provide on your W-4 form.
Social Security Tax (FICA – SS): This tax funds retirement, disability, and survivor benefits. For 2024, the rate is 6.2% of your gross wages, up to an annual wage base limit of $168,600. Once your year-to-date earnings exceed this limit, Social Security tax is no longer withheld for the remainder of the year.
Medicare Tax (FICA – Med): This tax funds hospital insurance for the elderly and disabled. The rate is 1.45% of all your gross wages, with no wage base limit. An additional Medicare tax of 0.9% applies to wages above certain thresholds ($200,000 for single filers, $250,000 for married filing jointly), though this calculator simplifies by not including it.
Understanding Deductions
Beyond federal taxes, your paycheck will likely include various deductions. These fall into two main categories:
Pre-Tax Deductions: These are deductions taken from your gross pay *before* federal income tax is calculated. This reduces your taxable income, potentially lowering your FIT. Common examples include contributions to a 401(k) or 403(b) retirement plan, health insurance premiums, and Flexible Spending Account (FSA) contributions.
Post-Tax Deductions: These deductions are taken from your pay *after* all taxes have been calculated. They do not reduce your taxable income. Examples include Roth 401(k) contributions, union dues, garnishments, or certain types of life insurance premiums.
How the Calculator Works
Our Texas Paycheck Calculator takes your gross pay per period, pay frequency, federal filing status, and any pre-tax or post-tax deductions to estimate your net pay. It applies the current federal tax rates for Social Security, Medicare, and Federal Income Tax (using simplified 2024 tax brackets and standard deductions). Remember, this is an estimate and actual payroll calculations may vary slightly due to specific employer benefits, local taxes (if any, though rare in TX), or more granular tax table applications.
Example Calculation:
Let's consider an example for a Texas resident:
Gross Pay per Pay Period: $2,000 (Bi-weekly)
Pay Frequency: Bi-weekly (26 pay periods per year)
Federal Filing Status: Single
Pre-Tax Deductions: $150 per pay period (e.g., 401k, health insurance)
Extra Federal Withholding: $0
Post-Tax Deductions: $50 per pay period (e.g., Roth 401k)
Based on these inputs, the calculator would perform the following steps:
Annual Gross Pay: $2,000 * 26 = $52,000
Social Security Tax: $2,000 * 6.2% = $124.00
Medicare Tax: $2,000 * 1.45% = $29.00
Annual Pre-Tax Deductions: $150 * 26 = $3,900
Annual Taxable Income for FIT: $52,000 (Gross) – $3,900 (Pre-Tax Deductions) = $48,100
Taxable Income After Standard Deduction (Single): $48,100 – $14,600 (2024 Standard Deduction) = $33,500
Estimated Annual FIT (using 2024 Single brackets):
This example illustrates how each component contributes to your final take-home pay.
Disclaimer:
This calculator provides an estimate for informational purposes only. Actual payroll calculations may vary based on specific employer policies, additional local taxes (if applicable), and the exact withholding methods used by your payroll provider. For precise figures, always refer to your official pay stubs or consult with a financial professional.