No state income tax does not mean no payroll deductions
This Texas model sets state individual income tax to zero and still applies federal income tax, Social Security, Medicare and the deductions you enter. Local taxes, benefits and employer-specific withholding can still affect a real paycheck.
What is the difference between gross and net pay?
Gross pay is the amount before deductions. Net pay, take-home pay and net earnings refer to what remains after taxes, FICA and deductions are removed. Two people with the same salary can receive different checks when their filing status, state or benefits differ.
Is this an official tax calculation?
No. It is a transparent planning estimate. The federal model is based on 2026 IRS schedules; the state rate remains editable because local rules vary. Confirm final payroll amounts with your employer or a qualified tax professional.