Tennessee Paycheck Calculator (2026)
Estimate your take-home pay in Tennessee after federal tax, FICA, and payroll deductions, using official 2026 rates.
Estimated take-home pay · Tennessee
$50,390 / year
Monthly
$4,199
Biweekly
$1,938
Hourly
$24.23
- Gross pay
- $60,000
- Federal income tax
- −$5,020
- TN state income tax
- −$0
- Social Security (6.2%)
- −$3,720
- Medicare (1.45%)
- −$870
- Take-home pay
- $50,390
- Effective tax rate
- 16.0%
How Tennessee taxes paychecks in 2026
Tennessee levies no state income tax on wages. Your paycheck deductions are federal income tax, Social Security (6.2% up to $184,500), and Medicare (1.45%). That makes Tennessee one of the nine states where gross pay stretches furthest.
What makes Tennessee paychecks different
Tennessee has never taxed wages, and since the Hall tax on interest and dividends was fully repealed in 2021 it taxes no personal income of any kind. Nothing is withheld for state paid leave, disability or unemployment. A Nashville or Memphis pay stub shows federal income tax, Social Security and Medicare, and that is all.
The state relies on one of the highest sales taxes in the country instead: 7% at the state level plus local rates up to 2.75%, for a combined average above 9.5%. Groceries are taxed at a reduced 4% state rate rather than exempted. Businesses pay franchise and excise taxes, and a $400 annual professional privilege tax still applies to a short list of licensed occupations, including attorneys, physicians, investment advisers and lobbyists, which is the closest thing Tennessee has to a tax on earning a living.
Property taxes are low by national standards, which together with the zero income tax explains much of Tennessee's in-migration from Illinois, California and the Northeast. Because it taxes no income, Tennessee has no reciprocity agreements; Kentucky, Georgia, Alabama and Mississippi residents who commute into Tennessee owe only their home state, while Tennessee residents who work in those states owe tax there with no Tennessee credit to soften it.
Tennessee take-home pay examples (2026)
Single filer, standard deduction, no dependents. Click a salary for the full 50-state comparison.
| Gross salary | Net / year | Net / month | Net / biweekly | Effective rate |
|---|---|---|---|---|
| $35,000 | $30,303 | $2,525 | $1,165 | 13.4% |
| $45,000 | $38,338 | $3,195 | $1,475 | 14.8% |
| $55,000 | $46,373 | $3,864 | $1,784 | 15.7% |
| $65,000 | $54,408 | $4,534 | $2,093 | 16.3% |
| $75,000 | $61,593 | $5,133 | $2,369 | 17.9% |
| $85,000 | $68,628 | $5,719 | $2,640 | 19.3% |
| $100,000 | $79,180 | $6,598 | $3,045 | 20.8% |
| $120,000 | $93,250 | $7,771 | $3,587 | 22.3% |
| $150,000 | $113,791 | $9,483 | $4,377 | 24.1% |
How Tennessee compares
Tennesseeties with the other no-income-tax states for the country's best take-home pay. The other zero-tax states: Alaska, Florida, Nevada, New Hampshire.
Tennessee paycheck FAQ
How much is $60,000 after taxes in Tennessee?+
A single filer earning $60,000 in Tennessee takes home about $50,390 per year ($4,199/month) in 2026: $5,020 goes to federal income tax, $4,590 to FICA, and nothing to state income tax.
What is the Tennessee income tax rate in 2026?+
Tennessee has no state income tax on wages in 2026.
Does Tennessee tax 401(k) contributions?+
No. Traditional 401(k) contributions reduce both your federal and Tennessee taxable income, so deferring salary lowers this year's tax bill.
What taxes come out of a paycheck in Tennessee?+
Every Tennessee paycheck loses federal income tax (10%–37% brackets) and FICA (6.2% Social Security up to $184,500 + 1.45% Medicare). Tennessee levies no state income tax on wages, so your paycheck only loses federal income tax and FICA.
Is Tennessee a high-tax or low-tax state for take-home pay?+
Tennessee is one of the nine no-income-tax states, tied for the best take-home pay in the country at every salary level.