Texas Take-Home Pay Calculator
function togglePayInput() {
var payType = document.getElementById('grossPayType').value;
if (payType === 'annual') {
document.getElementById('annualSalaryGroup').style.display = 'block';
document.getElementById('hourlyWageGroup').style.display = 'none';
document.getElementById('hoursPerWeekGroup').style.display = 'none';
} else {
document.getElementById('annualSalaryGroup').style.display = 'none';
document.getElementById('hourlyWageGroup').style.display = 'block';
document.getElementById('hoursPerWeekGroup').style.display = 'block';
}
}
function calculateFederalTax(annualTaxableIncome, filingStatus) {
var tax = 0;
var brackets;
// 2024 Federal Income Tax Brackets
if (filingStatus === 'single') {
brackets = [
{ rate: 0.10, limit: 11600 },
{ rate: 0.12, limit: 47150 },
{ rate: 0.22, limit: 100525 },
{ rate: 0.24, limit: 191950 },
{ rate: 0.32, limit: 243725 },
{ rate: 0.35, limit: 609350 },
{ rate: 0.37, limit: Infinity }
];
} else if (filingStatus === 'married') {
brackets = [
{ rate: 0.10, limit: 23200 },
{ rate: 0.12, limit: 94300 },
{ rate: 0.22, limit: 201050 },
{ rate: 0.24, limit: 383900 },
{ rate: 0.32, limit: 487450 },
{ rate: 0.35, limit: 731200 },
{ rate: 0.37, limit: Infinity }
];
} else if (filingStatus === 'hoh') {
brackets = [
{ rate: 0.10, limit: 16550 },
{ rate: 0.12, limit: 63100 },
{ rate: 0.22, limit: 100500 },
{ rate: 0.24, limit: 191950 },
{ rate: 0.32, limit: 243700 },
{ rate: 0.35, limit: 609350 },
{ rate: 0.37, limit: Infinity }
];
}
var remainingIncome = annualTaxableIncome;
var previousLimit = 0;
for (var i = 0; i 0) {
tax += taxableInBracket * bracket.rate;
remainingIncome -= taxableInBracket;
}
if (remainingIncome <= 0) break;
previousLimit = bracket.limit;
}
return tax;
}
function calculateTexasPay() {
var grossPayType = document.getElementById('grossPayType').value;
var annualSalaryInput = parseFloat(document.getElementById('annualSalary').value);
var hourlyWageInput = parseFloat(document.getElementById('hourlyWage').value);
var hoursPerWeekInput = parseFloat(document.getElementById('hoursPerWeek').value);
var payFrequency = document.getElementById('payFrequency').value;
var federalFilingStatus = document.getElementById('federalFilingStatus').value;
var preTaxDeductionsInput = parseFloat(document.getElementById('preTaxDeductions').value);
var postTaxDeductionsInput = parseFloat(document.getElementById('postTaxDeductions').value);
// Input validation
if (isNaN(annualSalaryInput) && grossPayType === 'annual') {
document.getElementById('result').innerHTML = 'Please enter a valid annual salary.';
return;
}
if (isNaN(hourlyWageInput) && grossPayType === 'hourly') {
document.getElementById('result').innerHTML = 'Please enter a valid hourly wage.';
return;
}
if (isNaN(hoursPerWeekInput) && grossPayType === 'hourly') {
document.getElementById('result').innerHTML = 'Please enter valid hours per week.';
return;
}
if (isNaN(preTaxDeductionsInput) || preTaxDeductionsInput < 0) {
document.getElementById('result').innerHTML = 'Please enter valid pre-tax deductions.';
return;
}
if (isNaN(postTaxDeductionsInput) || postTaxDeductionsInput < 0) {
document.getElementById('result').innerHTML = 'Please enter valid post-tax deductions.';
return;
}
var annualGrossPay;
if (grossPayType === 'annual') {
annualGrossPay = annualSalaryInput;
} else {
annualGrossPay = hourlyWageInput * hoursPerWeekInput * 52;
}
var payPeriodsPerYear;
var frequencyText;
switch (payFrequency) {
case 'weekly':
payPeriodsPerYear = 52;
frequencyText = 'Weekly';
break;
case 'biweekly':
payPeriodsPerYear = 26;
frequencyText = 'Bi-weekly';
break;
case 'semimonthly':
payPeriodsPerYear = 24;
frequencyText = 'Semi-monthly';
break;
case 'monthly':
payPeriodsPerYear = 12;
frequencyText = 'Monthly';
break;
default:
payPeriodsPerYear = 26; // Default to bi-weekly
frequencyText = 'Bi-weekly';
}
var grossPayPerPeriod = annualGrossPay / payPeriodsPerYear;
var preTaxDeductionsPerPeriod = preTaxDeductionsInput;
var postTaxDeductionsPerPeriod = postTaxDeductionsInput;
// — Calculate Annual Deductions for Tax Calculation —
var annualPreTaxDeductions = preTaxDeductionsPerPeriod * payPeriodsPerYear;
// — FICA Taxes (Social Security & Medicare) —
var socialSecurityRate = 0.062;
var medicareRate = 0.0145;
var socialSecurityWageBase = 168600; // 2024 limit
var annualTaxableForFICA = annualGrossPay;
var annualSocialSecurityTax = Math.min(annualTaxableForFICA, socialSecurityWageBase) * socialSecurityRate;
var annualMedicareTax = annualTaxableForFICA * medicareRate;
var ficaTaxPerPeriod = (annualSocialSecurityTax + annualMedicareTax) / payPeriodsPerYear;
// — Federal Income Tax —
var annualStandardDeduction;
if (federalFilingStatus === 'single') {
annualStandardDeduction = 14600;
} else if (federalFilingStatus === 'married') {
annualStandardDeduction = 29200;
} else if (federalFilingStatus === 'hoh') {
annualStandardDeduction = 21900;
}
var annualTaxableIncome = annualGrossPay – annualPreTaxDeductions – annualStandardDeduction;
if (annualTaxableIncome < 0) annualTaxableIncome = 0; // Cannot have negative taxable income
var annualFederalIncomeTax = calculateFederalTax(annualTaxableIncome, federalFilingStatus);
var federalIncomeTaxPerPeriod = annualFederalIncomeTax / payPeriodsPerYear;
// — Texas State Income Tax —
// Texas has no state income tax, so this is 0.
var texasStateIncomeTaxPerPeriod = 0;
// — Total Deductions Per Period —
var totalDeductionsPerPeriod = preTaxDeductionsPerPeriod + ficaTaxPerPeriod + federalIncomeTaxPerPeriod + texasStateIncomeTaxPerPeriod + postTaxDeductionsPerPeriod;
// — Net Pay Per Period —
var netPayPerPeriod = grossPayPerPeriod – totalDeductionsPerPeriod;
// — Display Results —
var resultsHtml = '
Your Estimated ' + frequencyText + ' Paycheck
';
resultsHtml += '
Gross Pay: $' + grossPayPerPeriod.toFixed(2) + ";
resultsHtml += '
Deductions:
';
resultsHtml += '
';
resultsHtml += '- Pre-Tax Deductions: $' + preTaxDeductionsPerPeriod.toFixed(2) + '
';
resultsHtml += '- Social Security Tax: $' + (annualSocialSecurityTax / payPeriodsPerYear).toFixed(2) + '
';
resultsHtml += '- Medicare Tax: $' + (annualMedicareTax / payPeriodsPerYear).toFixed(2) + '
';
resultsHtml += '- Federal Income Tax: $' + federalIncomeTaxPerPeriod.toFixed(2) + '
';
resultsHtml += '- Texas State Income Tax: $' + texasStateIncomeTaxPerPeriod.toFixed(2) + ' (Texas has no state income tax)
';
resultsHtml += '- Post-Tax Deductions: $' + postTaxDeductionsPerPeriod.toFixed(2) + '
';
resultsHtml += '
';
resultsHtml += '
Total Deductions: $' + totalDeductionsPerPeriod.toFixed(2) + ";
resultsHtml += '
Net Pay: $' + netPayPerPeriod.toFixed(2) + ";
document.getElementById('result').innerHTML = resultsHtml;
}
// Initialize the correct input display on load
window.onload = togglePayInput;
.calculator-container {
font-family: 'Arial', sans-serif;
max-width: 700px;
margin: 20px auto;
padding: 25px;
border: 1px solid #e0e0e0;
border-radius: 10px;
background-color: #f9f9f9;
box-shadow: 0 4px 12px rgba(0, 0, 0, 0.08);
}
.calculator-container h2 {
text-align: center;
color: #333;
margin-bottom: 25px;
font-size: 26px;
}
.calculator-inputs .input-group {
margin-bottom: 18px;
display: flex;
flex-direction: column;
}
.calculator-inputs label {
margin-bottom: 8px;
font-weight: bold;
color: #555;
font-size: 15px;
}
.calculator-inputs input[type="number"],
.calculator-inputs select {
width: 100%;
padding: 12px;
border: 1px solid #ccc;
border-radius: 6px;
font-size: 16px;
box-sizing: border-box;
transition: border-color 0.3s ease;
}
.calculator-inputs input[type="number"]:focus,
.calculator-inputs select:focus {
border-color: #007bff;
outline: none;
box-shadow: 0 0 0 3px rgba(0, 123, 255, 0.25);
}
.calculator-container button {
display: block;
width: 100%;
padding: 14px;
background-color: #007bff;
color: white;
border: none;
border-radius: 6px;
font-size: 18px;
font-weight: bold;
cursor: pointer;
margin-top: 25px;
transition: background-color 0.3s ease, transform 0.2s ease;
}
.calculator-container button:hover {
background-color: #0056b3;
transform: translateY(-1px);
}
.calculator-container button:active {
transform: translateY(0);
}
.calculator-results {
margin-top: 30px;
padding: 20px;
border-top: 2px solid #eee;
background-color: #eaf4ff;
border-radius: 8px;
}
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color: #0056b3;
font-size: 22px;
margin-bottom: 15px;
text-align: center;
}
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color: #333;
font-size: 18px;
margin-top: 20px;
margin-bottom: 10px;
}
.calculator-results p {
font-size: 16px;
line-height: 1.6;
color: #333;
margin-bottom: 10px;
}
.calculator-results p strong {
color: #000;
}
.calculator-results ul {
list-style-type: none;
padding: 0;
margin-top: 10px;
}
.calculator-results ul li {
background-color: #f0f7ff;
margin-bottom: 8px;
padding: 10px 15px;
border-left: 4px solid #007bff;
border-radius: 4px;
font-size: 15px;
color: #444;
}
@media (max-width: 600px) {
.calculator-container {
padding: 15px;
margin: 10px;
}
.calculator-container h2 {
font-size: 22px;
}
.calculator-inputs label,
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.calculator-container button {
font-size: 14px;
padding: 10px;
}
.calculator-results h3 {
font-size: 20px;
}
.calculator-results p,
.calculator-results ul li {
font-size: 14px;
}
}
Understanding Your Texas Take-Home Pay
Navigating your paycheck can sometimes feel like solving a complex puzzle, especially when considering various deductions. Our Texas Take-Home Pay Calculator is designed to simplify this process, providing a clear estimate of what you can expect to see in your bank account after all the necessary withholdings.
Why a Specific Texas Pay Calculator?
The primary reason for a Texas-specific pay calculator is straightforward: Texas does not have a state income tax. This is a significant advantage for residents compared to many other states, as a portion of your gross earnings is not deducted for state-level income taxes. However, federal taxes and other deductions still apply.
Key Components of Your Paycheck
Regardless of where you live, several standard deductions will impact your net pay. Here's a breakdown of what our calculator considers:
1. Gross Pay
This is your total earnings before any deductions. It can be calculated based on your annual salary or your hourly wage multiplied by the hours you work per week and the number of weeks in a year (typically 52).
2. Pre-Tax Deductions
These are deductions taken from your gross pay before taxes are calculated. They reduce your taxable income, meaning you pay less in federal income tax and sometimes FICA taxes (though FICA is usually based on gross pay before most pre-tax deductions). Common examples include:
- 401(k) or 403(b) Contributions: Retirement savings plans.
- Health Insurance Premiums: Your share of the cost for health, dental, or vision coverage.
- Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs): Accounts for healthcare or dependent care expenses.
3. Federal Income Tax
This is the tax you pay to the U.S. government. The amount withheld depends on several factors:
- Taxable Income: Your gross pay minus pre-tax deductions and your standard deduction.
- Filing Status: Single, Married Filing Jointly, or Head of Household.
- Tax Brackets: The U.S. tax system is progressive, meaning different portions of your income are taxed at different rates.
Our calculator uses the latest federal tax brackets and standard deduction amounts to provide an accurate estimate.
4. FICA Taxes (Social Security and Medicare)
FICA stands for Federal Insurance Contributions Act. These are mandatory federal taxes that fund Social Security and Medicare programs:
- Social Security: Funds benefits for retirees, the disabled, and survivors. The current rate is 6.2% of your gross earnings, up to an annual wage base limit (e.g., $168,600 for 2024).
- Medicare: Funds healthcare for individuals aged 65 or older, and some younger people with disabilities. The current rate is 1.45% of all your gross earnings, with no wage base limit.
Your employer also pays a matching amount for both Social Security and Medicare.
5. Texas State Income Tax
As mentioned, Texas does not impose a state income tax on wages. This means you won't see a deduction for state income tax on your paycheck, which can significantly increase your take-home pay compared to residents of states with high income taxes.
6. Post-Tax Deductions
These deductions are taken from your pay after all taxes have been calculated and withheld. They do not reduce your taxable income. Examples include:
- Roth 401(k) Contributions: Retirement savings that are taxed now, but tax-free in retirement.
- Union Dues: Fees paid to a labor union.
- Garnishments: Court-ordered deductions for debts like child support or student loans.
- Charitable Contributions: If deducted directly from your paycheck.
How to Use the Calculator
- Select Gross Pay Type: Choose whether you want to enter an "Annual Salary" or "Hourly Wage."
- Enter Gross Pay: Input your annual salary or your hourly wage and hours worked per week.
- Choose Pay Frequency: Select how often you get paid (e.g., Bi-weekly, Monthly).
- Select Federal Filing Status: Choose your federal tax filing status (Single, Married Filing Jointly, Head of Household).
- Enter Pre-Tax Deductions: Input the total amount of pre-tax deductions per pay period (e.g., your health insurance premium, 401k contribution).
- Enter Post-Tax Deductions: Input the total amount of post-tax deductions per pay period (e.g., Roth 401k, union dues).
- Click "Calculate Take-Home Pay": The calculator will instantly display your estimated gross pay, a breakdown of all deductions, and your final net pay per period.
Example Calculation
Let's consider an example for a Texas resident:
- Gross Annual Salary: $60,000
- Pay Frequency: Bi-weekly (26 pay periods)
- Federal Filing Status: Single
- Pre-Tax Deductions: $200 per pay period (e.g., 401k, health insurance)
- Post-Tax Deductions: $50 per pay period (e.g., Roth 401k)
Here's a simplified breakdown of what the calculator would estimate:
- Gross Pay per Period: $60,000 / 26 = $2,307.69
- Annual Pre-Tax Deductions: $200 * 26 = $5,200
- Annual Taxable Income (for Federal Tax): $60,000 (Gross) – $5,200 (Pre-Tax) – $14,600 (Single Standard Deduction) = $40,200
- Estimated Annual Federal Income Tax: (Based on 2024 brackets for $40,200) approx. $4,584
- Federal Income Tax per Period: $4,584 / 26 = $176.31
- Annual Social Security Tax: $60,000 * 0.062 = $3,720
- Social Security Tax per Period: $3,720 / 26 = $143.08
- Annual Medicare Tax: $60,000 * 0.0145 = $870
- Medicare Tax per Period: $870 / 26 = $33.46
- Texas State Income Tax: $0.00
- Total Deductions per Period: $200 (Pre-Tax) + $143.08 (SS) + $33.46 (Medicare) + $176.31 (Fed Tax) + $0 (TX Tax) + $50 (Post-Tax) = $602.85
- Net Pay per Period: $2,307.69 – $602.85 = $1,704.84
This calculator provides a robust estimate, helping you budget and understand your earnings better. Remember that actual withholdings can vary slightly based on specific employer calculations or additional deductions not covered here.