Tennessee Paycheck Calculator (2026)
Estimate your Tennessee take-home pay. Tennessee has no state income tax on wages, so you only pay federal income tax, Social Security and Medicare.
Tennessee has no state income tax on wages
Tennessee does not tax wages or salaries at the state level. Your paycheck is reduced only by federal income tax, Social Security (6.2%) and Medicare (1.45%), plus any 401(k) or benefit deductions.
Tennessee ended its tax on interest and dividends in 2021, so wages and investment income are not taxed by the state.
Example take-home pay in Tennessee
Single filer, no 401(k), paid every 2 weeks:
Tennessee take-home pay at different salaries
Estimated yearly figures for a single filer with no 401(k), using the same rules as the calculator above.
| Salary | Federal tax | Social Security + Medicare | Tennessee taxes | Take-home / year | Every 2 weeks | Total tax rate |
|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $0 | $26,285 | $1,011 | 12.4% |
| $50,000 | $3,820 | $3,825 | $0 | $42,355 | $1,629 | 15.3% |
| $75,000 | $7,670 | $5,738 | $0 | $61,593 | $2,369 | 17.9% |
| $100,000 | $13,170 | $7,650 | $0 | $79,180 | $3,045 | 20.8% |
| $150,000 | $24,734 | $11,475 | $0 | $113,791 | $4,377 | 24.1% |
How to keep more of your paycheck in Tennessee
On a $60,000 salary, putting 5% ($3,000) into a traditional 401(k) reduces your yearly take-home pay by about $2,640 (roughly $102 less every 2 weeks). That is less than the full $3,000 because the contribution saves about $360 in federal income tax (Tennessee has no state income tax, so the saving is federal only). The tax you avoid stays in your pocket instead of going to the government.
Filing status also matters. A married couple filing jointly with one $60,000 income takes home about $52,570 a year in Tennessee, compared with $50,390 for a single filer, mostly because of the larger standard deduction and wider tax brackets.
How this calculator works
We subtract your 401(k) contribution and the 2026 standard deduction ($16,100 single, $32,200 married filing jointly), then apply the 2026 federal brackets (IRS Rev. Proc. 2025-32). Social Security is 6.2% up to $184,500 of pay, and Medicare is 1.45% (plus 0.9% on high pay). Tennessee adds no state income tax, so the state line is $0.
Tennessee paycheck questions
Does Tennessee have a state income tax?
No. Tennessee does not tax wage income. The former Hall income tax on interest and dividends ended in 2021.
How much of my paycheck goes to tax in Tennessee?
Mainly federal income tax plus 7.65% for Social Security and Medicare. Use the calculator above for your exact salary.
Do 401(k) contributions help in Tennessee?
Yes for federal tax. Traditional 401(k) contributions lower your federal taxable income, which is the main income tax you pay here.
Rates last updated: October 2026. This is an estimate and does not include credits, benefits or W-4 changes. Official source: Tennessee Department of Revenue.
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