Tennessee Take-Home Pay Calculator (2026 estimate)
Tennessee has no state income tax. Your paycheck owes federal income tax and FICA (Social Security + Medicare), but the state takes nothing. The calculator below shows what that means in dollars.
Take-home pay
Net annual
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Per month
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Per biweekly paycheck
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Federal income tax
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FICA (SS + Medicare)
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Tennessee state tax
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Other state payroll
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Effective tax rate
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Marginal rate (next $)
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Tennessee tax brackets (2026 thresholds)
What the calculator does
For each gross annual salary, it estimates federal income-tax liability, FICA (6.2% Social Security up to the $184,500 wage cap + 1.45% Medicare), then no state wage income tax. Pre-tax deductions reduce the modeled taxable income.
Scope: this is an annual planning estimate, not a payroll-withholding calculation. It does not model W-4 or state withholding elections, tax credits, itemized deductions, most local taxes, or employer-specific benefits.
Data sources
Tennessee Department of Revenue. Dataset last reviewed 2026-06-08.
For high-stakes decisions, verify the current rules with the linked agency or a qualified tax professional.
FAQ
How is take-home pay in Tennessee calculated?
Take-home = gross salary − federal income tax − FICA (Social Security + Medicare) − no state tax. This 2026 planning estimate uses the brackets and rates documented above. State thresholds may be from an earlier tax year; check the year labels and linked sources above.
Is Tennessee really a no-tax state?
For wages, yes. Tennessee doesn't levy a state income tax on earned income. No tax on wages. Hall Income Tax (interest/dividends) repealed in 2021. Federal income tax and FICA still apply.
What about local city or county taxes in Tennessee?
Tennessee doesn't have widespread local income taxes for most workers, so the calculator above covers the main paycheck deductions. If you live in a city with a local income tax, add that separately.
Are these 2026 numbers accurate?
This is a planning estimate using the data vintage and sources shown above, last reviewed 2026-06-08. It is not an employer payroll-withholding calculation and does not include every credit, local tax, or employer-specific deduction. Verify the result with your state tax authority or a tax professional before relying on it.