Last reviewed: October 4, 2026 (tax year 2026 parameters). See also our editorial policy.
Tax year
The calculator uses tax year 2026 federal income tax brackets, standard deductions and FICA rates. Texas state individual income tax on wages is modeled at 0%.
Inputs
- Annual gross salary or hourly rate annualized as rate × hours × weeks
- Pay frequency (weekly, biweekly, semi-monthly, monthly, annual)
- Federal filing status
- Optional annual pre-tax deductions (for example 401(k) or HSA) entered as one combined amount
Pre-tax deductions (simplified model)
The amount you enter reduces both federal taxable wages and FICA wages in this calculator. That keeps the model simple but is not identical to every real payroll plan: traditional 401(k) contributions often reduce federal income tax withholding but still count toward Social Security and Medicare wages, while other benefits follow different rules. Treat FICA lines as approximate when you use the generic deduction field.
Pay frequency
Annual tax amounts are divided by the number of pay periods per year: 52 weekly, 26 biweekly, 24 semi-monthly, 12 monthly or 1 annual. Per-period figures are rounded to cents for display.
Federal income tax estimate
- Start with annual gross wages minus pre-tax deductions you enter.
- Subtract the 2026 standard deduction for your filing status.
- Apply marginal federal brackets to positive taxable income.
This is a simplified annualized estimate. It does not replicate IRS Publication 15-T withholding tables, W-4 adjustments, credits or itemized deductions.
FICA
- Social Security: 6.2% on wages up to $184,500 (2026 wage base).
- Medicare: 1.45% on all covered wages.
- Additional Medicare: 0.9% on wages above the IRS threshold for your filing status (employee portion). This is an annualized estimate of employee Additional Medicare tax, not a full Form 1040 reconciliation.
Texas state income tax
Texas does not impose a personal income tax on individual wage income. The calculator shows $0 Texas state income tax and still includes federal taxes.
Take-home pay
Estimated annual take-home equals gross wages minus pre-tax deductions, minus estimated federal income tax, minus estimated FICA. Effective tax rate equals total estimated taxes divided by gross wages.
2026 tax inputs
| Component | 2026 rule | Source |
|---|---|---|
| Texas individual income tax | 0% | Texas Comptroller |
| Standard deduction (single) | $16,100 | IRS Rev. Proc. 2025-32 |
| Social Security rate | 6.2% | SSA / IRS |
| Social Security wage base | $184,500 | SSA |
| Medicare | 1.45% | IRS |
| Additional Medicare | 0.9% above threshold | IRS |
Limitations
- No local city or county income taxes modeled
- No state unemployment or employer-only taxes
- No bonus, commission or equity-specific rules
- Actual paychecks depend on your W-4 and employer payroll setup
Salary data sources
Occupational wage pages (such as CRNA salary in Texas) use authoritative datasets where available, including:
- U.S. Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS)
- O*NET OnLine wage tables (U.S. Department of Labor)
- CareerOneStop wage data
- Public association compensation information (for example AANA) where relevant
We distinguish government wage surveys, association compensation surveys, and employer job postings. Figures from different source types are not interchangeable.
Updates
When the IRS and SSA publish new annual figures, we update the tax configuration and this page. Report a possible error via contact.