Your Texas Tax Estimate
Pre-set for Texas residents
📍 Texas is one of the states with no state income tax. Self-employed residents only owe federal self-employment tax and federal income tax — no state income tax applies.
$
$
Additional Deductions
Self-employed health insurance
Deduct 100% of premiums paid
$
SEP-IRA contribution
Up to 25% of net SE income (max $69,000)
$
QBI deduction (20%)
Most self-employed workers qualify
Your Texas Tax Breakdown
Federal + SE + Texas State Tax
Total Estimated Tax (Federal + SE + Texas State)
—
Effective rate: —
Quarterly Payment
—
Pay 4× per year
Monthly Set-Aside
—
Recommended savings
Effective Total Tax Rate0%
0%Low 10–18%Avg 25–35%High 40%+
Tax Breakdown
Gross Income
—
Business Expenses
—
Net SE Income
—
Self-Employment Tax
15.3% on 92.35% of net
—
SE Tax Deduction (½)
—
Standard Deduction
—
Federal Taxable Income
—
Federal Income Tax
Marginal bracket: —
—
Texas State Tax
0% (No state income tax)
—
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2026 Quarterly Payment Schedule
| Quarter | Period | Due Date | Amount |
|---|---|---|---|
| Q1 2026 | Jan–Mar | Passed | — |
| Q2 2026 | Apr–May | Jun 16 | — |
| Q3 2026 | Jun–Aug | Sep 15 | — |
| Q4 2026 | Sep–Dec | Jan 15, 2027 | — |
⚠️ Disclaimer: Estimates based on 2025 federal brackets and simplified state tax rates. Not tax advice. Consult a CPA for personalized guidance.
Self-employment taxes in Texas
Texas State Tax Rate
Texas is one of the states with no state income tax. Self-employed residents only owe federal self-employment tax and federal income tax — no state income tax applies. This applies on top of your federal self-employment tax (15.3%) and federal income tax.
Quarterly Due Dates
All self-employed workers, regardless of state, must pay estimated federal taxes quarterly: April 15, June 16, September 15, and January 15, 2027. Missing a payment triggers an IRS underpayment penalty.
Key Deductions for Texas Residents
Self-employed workers in Texas can deduct business expenses, health insurance premiums, SEP-IRA contributions, and the QBI deduction — all of which reduce both federal and state taxable income.
Frequently asked questions — Texas
How much self-employment tax do I owe in Texas?
Self-employed workers in Texas owe federal self-employment tax of 15.3% (applied to 92.35% of net income), federal income tax based on your bracket, and no state income tax.
Does Texas have a state income tax for self-employed workers?
Texas has no state income tax. Self-employed residents only owe federal self-employment tax and federal income tax, which is a significant advantage over residents in high-tax states.
How much should I set aside for taxes as a self-employed worker in Texas?
A good rule of thumb for Texas residents is 25–28% of gross income, since there is no state income tax to account for. This covers self-employment tax and federal income tax. Use the calculator above for your precise number.
When are quarterly estimated tax payments due in Texas?
Federal estimated tax due dates are the same in every state: Q1 — April 15, 2026; Q2 — June 16, 2026; Q3 — September 15, 2026; Q4 — January 15, 2027.