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Tennessee Paycheck Calculator (2026)

Updated June 2026 · By the NumberBench editorial team · How we calculate

Estimate your take-home pay in Tennessee. Enter your gross pay and we apply federal tax, FICA, and Tennessee’s state income tax to estimate your net paycheck. This is a rough estimate, not exact withholding.

Tennessee does not levy a state income tax on wages, so this estimate reflects only federal income tax and FICA (Social Security and Medicare). Tennessee fully phased out its tax on interest and dividends in 2021.
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Take-home per paycheck—
Annual take-home—
Federal income tax—
FICA (SS + Medicare)—
State income tax—
Effective state tax rate—

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Tennessee has no state income tax

Your actual paycheck withholding also depends on your W-4 elections, filing status, and any local taxes, so treat this as a planning estimate rather than exact withholding.

Take-home pay by state

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How it’s calculated

Take-home pay = gross pay − FICA − federal income tax − state income tax − pre-tax deductions. FICA is Social Security (6.2% up to the annual wage base) plus Medicare (1.45%). State income tax applies Tennessee’s 2026 tax brackets (single or married-filing-jointly, per your selection) to your pay after pre-tax deductions and the state standard deduction. Federal income tax uses the estimated effective rate you enter.

Source: Tax Foundation, “2026 State Individual Income Tax Rates & Brackets.” Estimate only — excludes local income taxes, credits, exemptions, and itemized deductions. Verify before filing.

Results update as you type and are estimates, not professional advice — verify important decisions with a qualified professional.

Worked example

A $60,000 salary in Tennessee paid bi-weekly nets about $1,685 per paycheck after federal tax, FICA, and 0% state income tax.

Common mistakes

  • Assuming the state rate is the biggest deduction; federal tax and FICA usually take more.
  • Treating this planning estimate as exact withholding, which depends on your W-4 and brackets.

Where it is used

  • Comparing take-home pay for a job in Tennessee against another state.
  • Budgeting around your real net paycheck in Tennessee.

Frequently asked questions

Does Tennessee have a state income tax?

No — Tennessee does not tax wage income, so only federal tax and FICA reduce your paycheck.

Is this my exact paycheck?

No. It applies an estimated federal effective rate and the state’s 2026 income-tax brackets (single or joint). Real withholding depends on your W-4, brackets, and any local taxes.

What is FICA?

Social Security (6.2% up to the wage base) and Medicare (1.45%) — payroll taxes deducted in every state.