Tennessee Paycheck Calculator 2026
Tennessee paycheck tax overview
Tennessee has no state income tax on wages or salaries. The Hall Income Tax on investment income was fully repealed effective January 1, 2021. Tennessee is one of the most paycheck-friendly states.
Tennessee income tax summary (2026)
| Taxable Income (Single Filer) | State Tax Rate |
|---|---|
| No state income tax — $0 withheld | |
2026 take-home pay table — Tennessee
Estimated annual net pay for a single filer using the 2026 federal standard deduction ($15,000). State tax uses the brackets above applied to gross pay. Social Security: 6.2% (up to $176,100). Medicare: 1.45%. All figures are estimates — use our paycheck calculator for a personalised result including pre-tax deductions.
| Gross Salary | Federal Tax | FICA | TN State Tax | Est. Net Pay | Monthly | Bi-Weekly |
|---|---|---|---|---|---|---|
| $50,000 | $3,962 | $3,825 | $0 | $42,213 | $3,518 | $1,624 |
| $60,000 | $5,162 | $4,590 | $0 | $50,248 | $4,187 | $1,933 |
| $75,000 | $8,114 | $5,738 | $0 | $61,148 | $5,096 | $2,352 |
| $100,000 | $13,614 | $7,650 | $0 | $78,736 | $6,561 | $3,028 |
| $125,000 | $19,247 | $9,563 | $0 | $96,190 | $8,016 | $3,700 |
| $150,000 | $25,247 | $11,475 | $0 | $113,278 | $9,440 | $4,357 |
How to increase your Tennessee take-home pay
With no state income tax, focus on federal savings. 401(k) contributions reduce only federal tax in Tennessee. Tennessee's lack of income tax, combined with relatively moderate property and sales taxes, makes it an attractive destination for workers with geographic flexibility.
- 401(k) / 403(b): Up to $23,500 pre-tax in 2026 ($31,000 ages 50–59 or 64+). Reduces both federal and most state taxable wages simultaneously.
- HSA: Up to $4,300 (self-only) or $8,550 (family) if on a qualifying HDHP. Triple tax advantage: pre-tax in, tax-free growth, tax-free medical withdrawals.
- FSA: Up to $3,300 healthcare or $5,000 dependent-care FSA. Use-it-or-lose-it, but effective at reducing immediate tax burden.
- Update your W-4: If you have significant deductions (mortgage interest, large charitable contributions), claim them on Step 4(b) of your W-4 to reduce withholding and get the benefit each pay period rather than waiting for a refund.
Frequently asked questions — Tennessee
How much state income tax is withheld in Tennessee?
Tennessee has no state income tax. Your employer will not withhold any state income tax from your paycheck — your pay stub will show $0 (or no line at all) for state income tax.
What is the take-home pay on a $75,000 salary in Tennessee?
For a single filer earning $75,000 in Tennessee in 2026, estimated annual take-home pay is approximately $61,148 — that's $5,096/month or $2,352 bi-weekly. This assumes the $15,000 federal standard deduction, no pre-tax deductions, and standard FICA withholding.
Does Tennessee have local income taxes in addition to state tax?
No. Tennessee has no state or local income tax on wages.