Our calculators use current 2025 federal tax brackets and FICA rates for maximum accuracy. However, results are estimates and may vary based on specific circumstances, local taxes, or unique deductions. Always consult with a tax professional for complex situations.

No, Texas has no state income tax. You only pay federal income tax, Social Security tax (6.2%), and Medicare tax (1.45%). This makes Texas one of the most tax-friendly states for employees, resulting in higher take-home pay.

Gross pay is your total earnings before any deductions. Net pay (take-home pay) is what you receive after federal taxes, FICA taxes, and other deductions like health insurance or 401(k) contributions are subtracted from your gross pay.

Overtime pay is typically calculated at 1.5 times your regular hourly rate for hours worked over 40 in a workweek. For example, if you earn $20/hour, your overtime rate would be $30/hour. Some states or employers may have different overtime rules.

Pre-tax deductions (like 401k contributions, health insurance premiums, and HSA contributions) are subtracted from your gross pay before taxes are calculated. This reduces your taxable income, lowering your federal income tax and potentially saving you money.

Review your paycheck calculations whenever you have changes in salary, deductions, filing status, or dependents. Also check annually when tax rates change, or if you notice discrepancies in your pay stub. Regular reviews help ensure accurate withholding and avoid tax surprises.