Texas Income Tax Calculator, Rates and Brackets
Estimate how much federal and Texas state income tax you will owe for 2026.
Use our Texas income tax calculator to estimate your 2026 state income tax, compare Texas and federal tax results, and review the state's current income tax rates and brackets. For 2026, Texas does not impose a personal income tax on wages, salaries, retirement income, or other individual income. Enter your household income, filing status, dependents, deductions, and credits to see how living in a no income tax state affects your state and federal income taxes.
2026 Texas Income Tax Calculator
Texas and Federal Calculation Assumptions
Income
- This calculator assumes you are a Texas resident for the full 2026 tax year. Partial-year resident and nonresident income allocation rules are not included.
- We treat household income as earned wage income. We do not separately calculate self-employment income, investment income, retirement income, capital gains, or other special income categories that require different tax treatment.
- The
Other Income Deductions
field under Advanced Options reduces federal adjusted gross income. See the input field tooltip for more details.
Deductions
- The calculator compares itemized deductions with the standard deduction separately, then uses the larger allowed amount for federal tax.
- Age 65+ and blindness selections increase the standard deduction amount when applicable.
- The federal enhanced senior deduction is calculated separately and may still apply when itemizing.
- Itemized deduction inputs mirror the categories reported on Form 1040 Schedule A. Use prior-year amounts as a starting point and adjust for expected changes.
- The federal calculation applies the 2026 SALT limit and its income-based phaseout before adding deductible interest and other itemized deductions.
- Qualified tips, overtime pay, car loan interest, and the enhanced senior deduction are treated as federal deductions after adjusted gross income.
Credits
- We estimate the federal Child Tax Credit (CTC) and Additional Child Tax Credit (ACTC) for dependent children under age 17.
- We estimate the federal Earned Income Tax Credit (EITC) only when at least one dependent child under age 17 is entered. The estimate does not include the childless EITC or qualifying children who are older students or permanently disabled.
- We do not calculate the Saver's Credit, education credits, premium tax credits, or other federal credits.
Taxes Not Included
- Texas individual income tax is estimated at $0 because the state does not impose a personal income tax.
- Income not taxed by Texas may still be taxable for federal income tax purposes.
- Texas does not impose a statewide local income tax, so no local income tax calculation is included here.
- The estimate does not include self-employment tax, federal alternative minimum tax, capital gains tax, use tax, or every federal deduction and credit.
Actual results may vary based on your income type, additional deduction and credit limits, filing complexity, and continued changes in Texas or federal tax law. This calculator provides an estimate for general planning purposes and does not guarantee your final tax due or refund amount.
How the Texas Income Tax Calculator Works
The Texas income tax calculator shows each major step from household income to estimated tax. The results compare Texas and federal income taxes. The Texas column remains at $0, while the federal column applies federal standard or itemized deductions, tax credits, and deductions created by the One Big Beautiful Bill Act (OBBBA).
The final three rows summarize your Texas results:
- Estimated Income Tax: Your Texas income tax estimate for the year.
- Effective Tax Rate: Texas income tax as a percentage of household income.
- Marginal Tax Rate: The Texas tax rate applied to your next dollar of taxable income.
Change any calculator input to see how it affects the federal results. The Texas column remains at $0 because Texas does not impose a personal income tax.
Texas Income Tax
Texas does not impose an individual state income tax for the 2026 tax year. The Texas income tax rate is 0%, and residents do not move through state income tax brackets as income increases. Filing status does not change the Texas result: Single, Married Filing Jointly, Married Filing Separately, and Head of Household filers all have an estimated Texas individual income tax of $0.
Because Texas has no individual income tax, the state does not use personal exemptions, standard deductions, itemized deductions, or state income tax credits for individual income tax purposes. Federal income tax rates still apply, so income that is not taxed by Texas may still be taxable on your federal return.
Texas Retirement Income and Federal Income Tax
Texas does not tax pensions, retirement account distributions, Social Security benefits, or other retirement income through a state individual income tax. Federal tax rules may still apply depending on the type and amount of retirement income.
Texas Income Tax Takeaways
Texas has no individual income tax: Residents do not owe Texas personal income tax on wages or other individual income for 2026.
Texas has no individual income tax brackets: The state result is $0 at every income level and for every federal filing status.
Federal taxes still apply: Texas residency does not eliminate federal income tax, federal payroll tax, or other federal tax obligations.
Retirement income is not taxed by Texas: Texas does not impose an individual income tax on pensions, retirement account distributions, or Social Security benefits.
Texas vs Neighboring States
| State | Tax Year | Tax Rate | Rate Type |
|---|---|---|---|
| Texas | 2026 | None | No Individual Income Tax |
| Arkansas | 2025 | 2.00% - 3.90% | Progressive |
| Colorado | 2025 | 4.40% | Flat |
| Kansas | 2026 | 5.20% - 5.58% | Progressive |
| Louisiana | 2026 | 3.00% | Flat |
| New Mexico | 2025 | 1.70% - 5.90% | Progressive |
| Oklahoma | 2026 | 0% - 4.50% | Progressive |
Frequently Asked Questions (FAQ)
What is the Texas income tax rate for 2026?
The Texas individual income tax rate is 0% because Texas does not impose an individual state income tax.
Does Texas have income tax brackets?
No. Texas does not have individual income tax brackets because it does not impose an individual state income tax. Describing Texas as having a single 0% bracket would be misleading.
Do Texas residents file a state income tax return?
Texas residents generally do not file a Texas individual income tax return because the state does not impose an individual income tax. Residents may still need to file a federal income tax return.
Does Texas tax capital gains or investment income?
No. Texas does not impose an individual state income tax on capital gains, dividends, interest, or other investment income. Those amounts may still be taxable for federal income tax purposes.
Does Texas tax retirement income?
No. Texas does not impose an individual state income tax on pensions, distributions from retirement accounts, or Social Security benefits. Federal tax treatment depends on the type and amount of retirement income.
References:
- Texas Taxes. Texas Comptroller of Public Accounts. Retrieved July 7, 2026.
- Texas Constitution, Article VIII, Sec. 24-a - Individual Income Tax Prohibited. Texas Legislative Council. Retrieved July 7, 2026.
- US Individual Income Tax Return Form 1040. Internal Revenue Service (IRS). Retrieved July 7, 2026.
- Instructions for Form 1040. Internal Revenue Service. Retrieved July 7, 2026.
- Instructions for Schedule A: Itemized Deductions. Internal Revenue Service. Retrieved July 7, 2026.
- IRS Tax Inflation Adjustments for Tax Year 2026. Internal Revenue Service. Retrieved July 7, 2026.
- One, Big, Beautiful Bill Provisions for Individuals and Workers. Internal Revenue Service (IRS). Retrieved July 7, 2026.
Last updated: July 7, 2026