More W-4 details (optional)
Texas does not tax wages at the state level, so only federal income tax, Social Security and Medicare come out here.
How this estimate works
Gross pay is your rate times regular hours plus 1.5 times your rate for overtime hours. Federal income tax is withheld with the IRS percentage method from Publication 15-T (2026), for a Form W-4 from 2020 or later. Social Security is 6.2% and Medicare is 1.45% of gross pay.
Overtime pushes the paycheck higher, and withholding treats that paycheck as if you earned it every pay period. That is why a big overtime check can look heavily taxed, even though the true tax is settled when you file.
What is not included
Pre-tax items such as health insurance or a 401(k), garnishments, local taxes, and the Social Security wage cap are not modelled. Additional Medicare withholding above $200,000 is not modelled either. Your pay stub is the final word. Source for Texas: Texas Comptroller of Public Accounts.
Part of your overtime may be deductible when you file. See the no tax on overtime calculator.
Does Texas have state income tax on paychecks?
No. Texas does not tax wages at the state level, so your paycheck has federal income tax, Social Security and Medicare, plus anything your employer deducts for benefits.
How is overtime taxed on a paycheck?
Overtime is taxed like regular pay. Withholding is calculated as if each paycheck repeated all year, so a large overtime check can show more withholding than you will owe in the end.
Why is my real paycheck different from this estimate?
Health insurance, retirement contributions, garnishments and the exact W-4 on file change the result. Treat this as an estimate and use your pay stub as the final word.