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Texas · TX

Anonymous LLC in Texas: Reality Check (2026)

Anonymous LLC in Texas? Privacy score 5/10. State-filing, FinCEN BOI, banking reality — full guide.

Can Texas give you an anonymous LLC?

Not really. Texas's state-filing privacy score is 5/10. Member and/or manager names appear on public filings. State-level anonymity is not realistic in Texas — you'd need to form in Wyoming, New Mexico, or Delaware instead.

What "anonymous LLC" actually means

Three layers of disclosure exist; all must be addressed for true anonymity:

  1. State Articles of Organization — what's on public record at the Texas Secretary of State. Texas requires some owner/manager information.
  2. FinCEN BOI report — the 2024 Corporate Transparency Act requires all LLCs (regardless of state) to disclose beneficial owners to FinCEN. This is not public, but it's accessible to law enforcement and certain regulators.
  3. Banking KYC — every bank will require beneficial owner verification under federal banking rules. No bank account is anonymous.

How to maximize privacy in Texas

  • Form in Wyoming or New Mexico (privacy 9/10) and register as a foreign LLC in Texas only if you must operate here.
  • Use a professional registered agent (Northwest, ~$125/yr) so your home address never appears on filings.
  • Use a virtual business address from a service like iPostal1 or Earth Class Mail for non-state-filing public records.
  • Form with an attorney as the organizer — their name appears as "organizer" on filings, not yours.
  • Use a manager-managed structure if Texas requires manager disclosure but not member disclosure.

What "anonymous LLC" cannot hide

  • FinCEN BOI: $591/day penalties for non-filing as of 2026. Federal database, not public, but mandatory.
  • IRS tax filings: Your SSN/EIN ties the LLC to you for tax purposes.
  • Lawsuits: A court can pierce anonymity with a subpoena to the bank, registered agent, or state.
  • Banking and Stripe: KYC will require your identity. No way around this.

Three states people pick for anonymity

StatePrivacyWhy
Wyoming9/10Members never on public record; strong charging-order protection.
New Mexico9/10No annual report at all; members never disclosed.
Delaware7/10Members can be anonymous; pricier but stronger case law.

Bottom line: For state-filing anonymity, consider forming in Wyoming or New Mexico instead of Texas. If you must operate in Texas, use them as the formation state and register as a foreign LLC here.

Interactive cost calculator

LLC Cost Calculator

Estimate the real cost of forming and maintaining an LLC across 51 US jurisdictions. Includes state filing, registered agent, annual report, franchise tax, and (where applicable) publication.

Year 1 breakdown — Texas

State filing fee $300
Registered agent (yr 1) $50
Annual report fee $0
Franchise / privilege tax (minimum) $0
Year 1 total$350
Recurring (yr 2+)$50/yr
5-year total cost$550

Avg. $110 / year — compares to 5-yr baseline $550.

What this calculator does NOT include
  • Federal BOI report (free, but mandatory)
  • EIN application (free with SSN/ITIN; some services charge $50-$300)
  • Operating Agreement drafting
  • State-level business licenses (industry-specific)
  • Local city/county fees (varies by municipality)
  • Foreign LLC registration if operating outside formation state
  • Federal and state income tax on profits

Educational estimate only. Not legal or tax advice. Verify with a licensed CPA or attorney before filing.