Tennessee Paycheck Calculator 2026
Estimate your take-home pay in Tennessee. Tennessee has no state income tax on wages, so your paycheck only loses federal income tax, Social Security, Medicare and any deductions you choose.
Enter your pay
| Per paycheck | Per year |
|---|
How your Tennessee paycheck is calculated
Because Tennessee doesn’t tax wages, figuring out your take-home pay comes down to three federal taxes and your own deductions:
- Federal income tax on your pay after pre-tax deductions and the 2026 standard deduction ($16,100 single, $32,200 married filing jointly, $24,150 head of household).
- Social Security at 6.2% of wages up to $184,500.
- Medicare at 1.45% of all wages, plus an extra 0.9% on wages over $200,000.
The calculator works out each tax for the full year, then divides by the number of paychecks.
Example: $60,000 a year, single, paid biweekly
| Item | Per year | Per paycheck |
|---|---|---|
| Gross pay | $60,000.00 | $2,307.69 |
| Federal income tax | $5,020.00 | $193.08 |
| Social Security | $3,720.00 | $143.08 |
| Medicare | $870.00 | $33.46 |
| Tennessee income tax | $0.00 | $0.00 |
| Take-home pay | $50,390.00 | $1,938.08 |
Federal: $60,000 − $16,100 = $43,900 taxable, which is 10% of the first $12,400 plus 12% of the remaining $31,500 = $5,020. The same job in a state with an income tax would take home less; in New Jersey, for example, it’s about $48,180.
2026 federal income tax brackets
These are the rates applied to your taxable income after the standard deduction and pre-tax deductions.
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | Up to $12,400 | Up to $24,800 | Up to $17,700 |
| 12% | $12,400 to $50,400 | $24,800 to $100,800 | $17,700 to $67,450 |
| 22% | $50,400 to $105,700 | $100,800 to $211,400 | $67,450 to $105,700 |
| 24% | $105,700 to $201,775 | $211,400 to $403,550 | $105,700 to $201,750 |
| 32% | $201,775 to $256,225 | $403,550 to $512,450 | $201,750 to $256,200 |
| 35% | $256,225 to $640,600 | $512,450 to $768,700 | $256,200 to $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
Taxes Tennessee does and doesn’t have
- No tax on wages. Tennessee has never taxed earned income like salaries and hourly pay.
- No more tax on investment income either. The Hall income tax, which applied to some interest and dividends, was fully repealed starting with 2021.
- No employee payroll deductions. Tennessee unemployment insurance is paid by employers, and the state has no disability or family leave payroll tax.
- High sales tax instead. Tennessee relies on sales tax, with a 7% state rate plus local rates. That affects your budget, but not your paycheck.
Minimum wage in Tennessee
Tennessee has no state minimum wage law, so the federal minimum of $7.25 an hour applies to most jobs. That is $15,080 a year for full-time work before taxes. Tipped employees can be paid $2.13 an hour as long as tips bring them up to $7.25.
Things that change your Tennessee take-home pay
- Pre-tax deductions. Traditional 401(k) contributions lower your federal income tax. Health, dental and FSA deductions lower your federal income tax, Social Security and Medicare.
- Working in another state. If you live in Tennessee but work in a state with an income tax, that state can tax your wages. This calculator assumes you work in Tennessee.
- Your W-4. Extra withholding, a second job or dependents you list on Form W-4 change how much your employer withholds.
Accuracy and limitations
- This is an estimate of your 2026 federal tax for the year, spread evenly across paychecks. Employers use IRS withholding tables, which can produce slightly different amounts per paycheck.
- It assumes this job is your only income, and you take the standard deduction. The Child Tax Credit and the credit for other dependents are included when you enter dependents; other credits are not.
- It doesn’t include bonuses or other income. Overtime is included when you enter it with an hourly wage.
For general information only; not tax, legal or financial advice.
Frequently asked questions
Does Tennessee have state income tax?
No. Tennessee doesn’t tax wages, and the Hall tax on interest and dividends ended in 2021, so there’s no state income tax return for individuals.
How much is $60,000 a year after taxes in Tennessee?
About $50,390 a year, or $1,938 every two weeks, for a single filer with no pre-tax deductions in 2026.
How much is $25 an hour after taxes in Tennessee?
At 40 hours a week, $25 an hour is $52,000 a year. A single filer with no pre-tax deductions takes home about $43,962 a year, or $1,691 every two weeks.
Why is federal tax my biggest deduction?
Without a state income tax, federal income tax and FICA (Social Security and Medicare) are the only taxes on Tennessee paychecks. FICA is a flat 7.65% for most workers.
Does the calculator save what I type?
No. The math runs in your browser and the numbers you type are not sent to our server or stored.
Related calculators
Sources
- IRS, Revenue Procedure 2025-32: 2026 federal tax brackets and standard deductions.
- Social Security Administration: 2026 Social Security wage base ($184,500).
- Tennessee Department of Revenue: Hall income tax repeal and state taxes.
About this calculator. Built and maintained by Mubarak Hussain. Tax year 2026. Figures last checked against official sources in October 2026 and updated every January.
Found an error? Tell us and we will check and correct it.