Physician (General Practice) Salary After Tax in Austin (2026)

Est. wage: $240,094/year → Take-home: $176,679/year ($14,723/mo)

✓ Texas has no state income tax

City Median Wage

$240,094

+$25,724 vs national

Annual Take-Home

$176,679

Monthly Take-Home

$14,723

Effective Tax Rate

26.4%

Full Tax Breakdown — $240,094 in Austin

Annual Take-Home$176,679After all taxes

Monthly$14,723Net per month

Bi-Weekly$6,795Every 2 weeks

Effective Tax Rate26.4%Fed + state + FICA

Where Your Money Goes

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$12,166

24%

$23,058

32%

$7,110

Affordability Snapshot

Based on your $14,723/mo take-home — 50/30/20 rule

Needs (50%)$7,362/mo

Rent, groceries, utilities, transport

Wants (30%)$4,417/mo

Dining, entertainment, hobbies

Savings (20%)$2,945/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$4,417/mo

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

Annual Savings Potential

$35,336

Daily Take-Home

$680

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$240,094	$20,008	$9,234	$4,617	$923	$115
Federal Income Tax	−$48,134	−$4,011	−$1,851	−$926	−$185	−$23
State Income Tax	$0	$0	$0	$0	$0	$0
Social Security	−$11,439	−$953	−$440	−$220	−$44	−$6
Medicare	−$3,842	−$320	−$148	−$74	−$15	−$2
Total Taxes	−$63,415	−$5,285	−$2,439	−$1,220	−$244	−$30
Take-Home Pay	$176,679	$14,723	$6,795	$3,398	$680	$85

Federal Rate

20.0%

State Rate

0.0%

Total Rate

26.4%

State-by-State Comparison

Same $240,094 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo TaxYou	$176,679	$63,415	26.4%
FLFloridaNo Tax	$176,679	$63,415	26.4%
WAWashingtonNo Tax	$176,679	$63,415	26.4%
NVNevadaNo Tax	$176,679	$63,415	26.4%
PAPennsylvania	$169,308 -$7,371	$70,786 -$7,371/yr	29.5%
OHOhio	$169,140 -$7,539	$70,954 -$7,539/yr	29.6%
ILIllinois	$164,914 -$11,765	$75,180 -$11,765/yr	31.3%
GAGeorgia	$164,134 -$12,545	$75,960 -$12,545/yr	31.6%
NYNew York	$163,179 -$13,499	$76,915 -$13,499/yr	32.0%
CACalifornia	$158,194 -$18,484	$81,900 -$18,484/yr	34.1%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $1,718/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.

💍

Married filing jointly saves $13,334/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 $1,111/month to your take-home.

🏥

An HSA could save $1,511/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 $1,511 in federal and state taxes — a triple tax advantage.

Results for $240,094 salary · 2026 tax year

What does a Physician (General Practice) earn after taxes in Austin?

Based on BLS metro area wage data, a physician (general practice) in Austin earns approximately $240,094/year — $25,724 above the national median of $214,370. After federal income tax, FICA, and no state income tax, the estimated take-home is $176,679/year or $14,723/month.