Physical Therapist Salary After Tax in Austin (2026)

Est. wage: $100,690/year → Take-home: $79,665/year ($6,639/mo)

✓ Texas has no state income tax

City Median Wage

$100,690

-$330 vs national

Annual Take-Home

$79,665

Monthly Take-Home

$6,639

Effective Tax Rate

20.9%

Full Tax Breakdown — $100,690 in Austin

Annual Take-Home$79,665After all taxes

Monthly$6,639Net per month

Bi-Weekly$3,064Every 2 weeks

Effective Tax Rate20.9%Fed + state + FICA

Where Your Money Goes

20.9%effective rate

Take-Home$79,66579.1%

Federal Tax$13,32213.2%

FICA$7,7037.7%

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$7,522

Affordability Snapshot

Based on your $6,639/mo take-home — 50/30/20 rule

Needs (50%)$3,319/mo

Rent, groceries, utilities, transport

Wants (30%)$1,992/mo

Dining, entertainment, hobbies

Savings (20%)$1,328/mo

401k, emergency fund, investments

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Recommended Max Rent

$1,992/mo

30% of monthly take-home — the commonly recommended housing cost ceiling.

Annual Savings Potential

$15,933

Daily Take-Home

$306

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$100,690	$8,391	$3,873	$1,936	$387	$48
Federal Income Tax	−$13,322	−$1,110	−$512	−$256	−$51	−$6
State Income Tax	$0	$0	$0	$0	$0	$0
Social Security	−$6,243	−$520	−$240	−$120	−$24	−$3
Medicare	−$1,460	−$122	−$56	−$28	−$6	−$1
Total Taxes	−$21,025	−$1,752	−$809	−$404	−$81	−$10
Take-Home Pay	$79,665	$6,639	$3,064	$1,532	$306	$38

Federal Rate

13.2%

State Rate

0.0%

Total Rate

20.9%

State-by-State Comparison

Same $100,690 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo TaxYou	$79,665	$21,025	20.9%
FLFloridaNo Tax	$79,665	$21,025	20.9%
NVNevadaNo Tax	$79,665	$21,025	20.9%
WAWashingtonNo Tax	$78,269 -$1,397	$22,421 -$1,397/yr	22.3%
OHOhio	$77,679 -$1,987	$23,011 -$1,987/yr	22.9%
PAPennsylvania	$76,504 -$3,162	$24,186 -$3,162/yr	24.0%
GAGeorgia	$75,062 -$4,603	$25,628 -$4,603/yr	25.5%
ILIllinois	$74,826 -$4,839	$25,864 -$4,839/yr	25.7%
NYNew York	$74,322 -$5,344	$26,368 -$5,344/yr	26.2%
CACalifornia	$73,083 -$6,582	$27,607 -$6,582/yr	27.4%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $1,100/yr in taxes

Pre-tax 401(k) contributions reduce your federal and state taxable income. Contributing an additional $5,000 would increase your monthly take-home by $417 while building retirement savings.

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Married filing jointly saves $5,599/yr

If you're married, filing jointly gives you a $32,200 standard deduction (vs $16,100 single) and wider tax brackets. This would add $467/month to your take-home.

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An HSA could save $1,305/yr in taxes

If you have a High-Deductible Health Plan (HDHP), you can contribute up to $4,400 to an HSA pre-tax. This reduces your taxable income and saves $1,305 in federal and state taxes — a triple tax advantage.

Results for $100,690 salary · 2026 tax year

What does a Physical Therapist earn after taxes in Austin?

Based on BLS metro area wage data, a physical therapist in Austin earns approximately $100,690/year — $330 below the national median of $101,020. After federal income tax, FICA, and no state income tax, the estimated take-home is $79,665/year or $6,639/month.