Texas Pay Stub Generator -- Free

Texas is the second-largest state economy in the United States, driven by oil and gas production, a rapidly expanding technology sector centered on Austin, major agricultural output, and one of the most active logistics and manufacturing corridors in North America. Dallas-Fort Worth, Houston, Austin, and San Antonio each rank among the largest metropolitan economies in the country. Texas's workforce spans roughnecks on West Texas oil rigs, software engineers in Austin's Silicon Hills, construction workers across the state's booming housing market, and an enormous gig economy workforce in its major cities.

One significant advantage for Texas workers: the state has no state income tax. That means your pay stub deductions are limited to federal income tax, Social Security, Medicare, and any voluntary or employer-mandated deductions. This generator calculates all applicable taxes and produces a professional PDF pay stub instantly.

Texas Income Tax Rates

Texas has a 0% state income tax rate. The Texas Constitution prohibits a personal income tax, and any attempt to enact one would require a constitutional amendment approved by voters. This makes Texas one of nine states with no state income tax, alongside Florida, Nevada, Washington, Wyoming, South Dakota, Alaska, New Hampshire, and Tennessee.

The absence of state income tax does not mean Texas workers pay no state taxes -- Texas funds its government largely through sales tax (6.25% state rate, up to 8.25% with local additions) and property taxes, which are among the highest in the nation. But none of these appear as deductions on your pay stub.

On a Texas pay stub, you will see only federal deductions:

• Federal income tax: Calculated using the IRS's graduated bracket system (10% to 37% depending on income level)
• Social Security tax: 6.2% of gross wages up to the $168,600 wage base (2024)
• Medicare tax: 1.45% of all gross wages, with an additional 0.9% on wages above $200,000 annually

Workers in Texas take home more per paycheck than comparable workers in high-tax states. A Texas software engineer earning $120,000 annually avoids roughly $6,000 to $8,000 in state income tax compared to a California counterpart at similar income levels, though the comparison is complex given Texas's higher property taxes and cost factors.

Does Texas Require Pay Stubs?

Texas does not have a state law mandating that employers provide pay stubs to employees. Under Texas law, employers are not required to provide written earnings statements, though they must comply with federal record-keeping requirements under the Fair Labor Standards Act (FLSA).

However, the vast majority of Texas employers do provide pay stubs voluntarily, both as a practical matter for payroll reconciliation and because employees reasonably expect them. Large Texas employers -- ExxonMobil, AT&T, American Airlines, Texas Instruments -- all provide detailed electronic pay stubs through payroll portals.

For workers who do not receive formal pay stubs -- construction subcontractors, oil field day-rate workers, cash-paid domestic workers, gig drivers -- this generator fills that gap by creating documentation that meets the format landlords and lenders expect. No Texas law requires employers to provide pay stubs, but federal FLSA §211(c) requires employers to maintain payroll records for a minimum of three years.

Pay Stub Requirements in Texas

Because Texas has no state pay stub mandate, the requirements are set by federal law and employer policy. Federal FLSA record-keeping rules require employers to track and retain:

• Employee's full name and identifying number
• Home address including zip code
• Date of birth if under 19
• Sex and occupation
• Time and day of week when the workweek begins
• Regular hourly rate of pay
• Total daily or weekly straight-time earnings
• Total overtime earnings for the workweek
• All additions to or deductions from wages
• Total wages paid each pay period
• Date of payment and pay period covered

Even without a state mandate to give this information to employees, best practice -- and what most landlords and lenders expect -- is a pay stub that includes: employer name and address, employee name, pay period dates, gross wages, all deductions itemized, and net pay.

Pay Frequency Laws in Texas

Texas Labor Code Section 61.011 requires that employers pay wages at least twice a month (semi-monthly) for most employees. However, there are specific provisions:

• Most employees: Must be paid at least semi-monthly (24 pay periods per year)
• Exempt executive, administrative, or professional employees: May be paid monthly
• Agricultural employees: May be paid monthly
• Commissioned salespeople: May be paid monthly

Texas does not have specific "wage theft prevention" legislation comparable to New York's or California's, but employees who are not paid in full on schedule can file wage claims with the Texas Workforce Commission (TWC). The TWC investigates wage complaints and can order back wages plus a penalty equal to the unpaid wages.

Texas Industries and Pay Stub Use Cases

Oil and gas workers: The Permian Basin and Eagle Ford shale plays employ tens of thousands of drilling, completion, and production workers, many of whom work on per-diem or day-rate contracts rather than traditional employment. Day-rate workers often have no payroll department generating stubs. When a Midland roughneck wants to finance a truck or apply for a mortgage, they need income documentation in a format banks can work with. This generator creates that documentation based on actual earned income.

Construction workers: Texas's housing boom has created massive demand for construction labor across DFW, Austin, San Antonio, and Houston. Construction subcontractors -- electricians, plumbers, framers, roofers -- frequently work as sole proprietors or through small LLCs without formal payroll systems. Generated stubs based on actual job earnings serve as essential income documentation.

Austin tech workers: Austin has attracted major employers including Tesla, Oracle, Dell, and a massive startup ecosystem. Technology workers who contract independently or consult between positions need pay stub documentation for housing in one of the country's most competitive rental markets.

Gig workers in major Texas cities: Houston, Dallas, and Austin all have large gig economies. DoorDash, Uber Eats, Lyft, and Amazon Flex do not issue pay stubs. Workers relying on these platforms as their primary income source need generated stubs for apartment applications. See our pay stub for apartment applications guide for specifics on what Texas property managers typically require.

What a Texas Paycheck Looks Like -- A Worked Example

An oil and gas field worker earning $70,000 per year in Texas on a bi-weekly schedule ($2,692 gross per check) pays: $0 in Texas state income tax (no state income tax), $167 in Social Security (6.2%), $39 in Medicare (1.45%) -- net take-home approximately $2,208 per paycheck.

2024 minimum wage in Texas: $7.25/hr (federal minimum; Texas has no higher state minimum).

Frequently Asked Questions for Texas Workers

Since Texas has no income tax, does my pay stub look different from other states?

Yes. Your Texas pay stub will show $0.00 for state income tax withholding. The deductions section will only show federal income tax, Social Security (6.2%), and Medicare (1.45%). This means your net pay -- what you actually take home -- is higher than it would be at the same gross pay in a state with income tax. A Texas worker earning $5,000 per month gross takes home roughly $400 to $500 more per month than a comparable worker in California, depending on income level and deductions.

I work in the oilfield and get paid a day rate. How do I calculate my gross pay?

Multiply your daily rate by the number of days worked during the pay period. For example, if you earn $350 per day and worked 14 days in a two-week period, your gross pay is $4,900. Enter this as your gross pay in the salary field and select your pay frequency. If you work inconsistent schedules, generate a separate stub for each pay period with that period's actual earnings. For ongoing documentation, see the self-employed pay stub generator, which has more detail on how to document variable income.

Does Texas have any payroll taxes that affect my take-home pay?

Texas has no employee-side payroll taxes beyond federal FICA. Employers pay Texas unemployment insurance (SUTA) which does not appear on employee pay stubs. There is no state disability insurance, no state-level SDI, and no paid family leave deductions. Your Texas pay stub deductions are purely federal.

I'm a DoorDash driver in Texas. What employer name should I use on my pay stub?

Use "DoorDash, Inc." as the employer and your own name as the employee. Include your gross earnings from the DoorDash earnings report for the pay period, and note "Independent Contractor" rather than a traditional job title. For generating multiple stubs covering different pay periods, make sure each stub reflects the actual earnings from that specific period -- do not average income across periods. Consistency with your bank deposit records matters when a property manager reviews the documentation. Our pay stub template guide covers the field layout in detail.

Can I use a Texas pay stub generator for mortgage pre-qualification?

Mortgage lenders in Texas require specific income documentation. For W-2 employees, pay stubs work well as part of the documentation package. For self-employed borrowers, lenders typically want two years of tax returns plus a year-to-date profit and loss statement in addition to -- not instead of -- pay stub documentation. The pay stub for mortgage page details exactly what Texas mortgage underwriters require by loan type (conventional, FHA, VA). Texas has a significant VA loan market given the large military presence at Fort Hood, Fort Sam Houston, and other installations, and VA lenders have specific income documentation standards.

Related Tools

For workers in neighboring states, see the Florida pay stub generator (another no-income-tax state), the Nevada pay stub generator, or the Tennessee pay stub generator. If you need a generic starting template rather than a state-specific tool, the free pay stub template page covers all formats.