Tennessee Take Home Pay Calculator
Tennessee taxes no wage income at all, so the state line on a Tennessee paycheck is $0.00 and only the federal layer applies.
This link contains the numbers entered. Nothing is uploaded anywhere — all math happens in the browser.
Not tax advice: This calculator provides estimates for educational purposes only. It is not tax, legal, or financial advice. Your actual paycheck is determined by your employer's payroll system and your W-4. Consider speaking with a qualified tax professional about your situation.
Assumptions disclosed: Estimates use an annualized model: your annual tax is calculated from 2026 federal and state rules and divided evenly across your paychecks. Actual per-paycheck withholding uses IRS Publication 15-T tables and may differ. Bonuses, overtime, credits, deductions beyond the fields shown, and local taxes (except an amount you enter) are not modeled. Amounts are rounded to the nearest cent.
Data sources / updated: Federal parameters: IRS Revenue Procedure 2025-32 (2026 tax year). State parameters: official state department of revenue sources, verified 2026-10-12; sources per state are listed in the methodology. Page last updated: 2026-10-20.
How your take-home pay is calculated in Tennessee
Every figure on this page starts from annual pay. The calculator adds up a full year of gross pay, subtracts the pre-tax deductions entered (traditional 401(k), HSA contributions and health insurance premiums), and applies the 2026 federal brackets after the standard deduction — $16,100 for single filers and $32,200 for married couples filing jointly in the federal model used here. Social Security is calculated at 6.2% of FICA wages up to the 2026 wage base of $184,500, and Medicare at 1.45%, with the additional 0.9% Medicare tax on FICA wages above $200,000 (single) or $250,000 (married). Traditional 401(k) contributions do not reduce FICA wages; HSA contributions and health premiums paid through payroll do. The annual tax is then divided evenly across the paychecks in the chosen frequency. That is an annualized estimate: an employer payroll system withholds per paycheck using IRS Publication 15-T tables, the employee W-4 and year-to-date wages, so a real paycheck differs somewhat from the figures here, and the annual totals are the reliable comparison.
One further limit: the effect of HSA contributions and health premiums on state tax varies by state and is not modeled in this version; on the state side, only the 401(k) contribution is applied. All amounts are before tax credits and are rounded to the nearest cent.
In the verified 2026 model used on this page, Tennessee levies no state income tax on wages: the state rate is 0%, there is no state standard deduction, and the state tax line is $0.00 at every salary.
The Tennessee calculation is the shared federal model standing alone: annual pay through the 2026 federal brackets after the standard deduction, FICA up to its caps and thresholds, annualized and divided across the chosen pay frequency. Because no state layer interacts with the federal one, Tennessee is a useful baseline when weighing a move: the same salary on the Kentucky or Georgia page shows the entire state effect as a single line, with the federal figures unchanged to the cent.
The full method, including what the model leaves out, is on the methodology page.
Worked example: take-home pay on $67,000 in Tennessee
The worked example uses the Tennessee benchmark salary with a 5% traditional 401(k) contribution, paid every two weeks. The state row reads $0.00, so the stub shows a pure federal breakdown. The benchmark table extends the same picture across four salary levels for comparison with the taxing states that surround Tennessee.
Benchmark salary $67,000 — BLS QCEW 2024 average annual pay for Tennessee, rounded to the nearest $1,000.
| Line | Per paycheck | Annual |
|---|---|---|
| Gross pay | $2,576.92 | $67,000.00 |
| 401(k) contribution | $128.85 | $3,350.00 |
| Federal income tax | $209.92 | $5,458.00 |
| Social Security | $159.77 | $4,154.00 |
| Medicare | $37.37 | $971.50 |
| State income tax | $0.00 | $0.00 |
| Net pay | $2,041.02 | $53,066.50 |
Benchmark: take-home pay at four salaries in Tennessee
Single filer, no deductions entered. Annual net and net every two weeks, produced by the same engine as the calculator above.
| Gross salary | Annual net | Net every 2 weeks |
|---|---|---|
| $40,000 | $34,320.00 | $1,320.00 |
| $60,000 | $50,390.00 | $1,938.08 |
| $80,000 | $65,110.00 | $2,504.23 |
| $100,000 | $79,180.00 | $3,045.38 |
Tennessee state income tax notes
Tennessee does not levy a state income tax on wages or salaries. The state once taxed interest and dividend income under the Hall tax, which was fully repealed before the period this site covers, and wages were never part of that tax. In the verified model used here the Tennessee state line is $0.00 at every salary, an explicit calculated zero. A Tennessee paycheck is therefore decided by federal income tax, Social Security and Medicare, plus the deductions the worker enters, and nothing else.
In the verified 2026 model used on this page, Tennessee levies no state income tax on wages: the state rate is 0%, there is no state standard deduction, and the state tax line is $0.00 at every salary.
Source: Federation of Tax Administrators — https://www.taxadmin.org/state-tax-agencies (checked 2026-10-12). Amounts are before credits.
Frequently asked questions
How much is $67,000 after tax in Tennessee?
On a $67,000 salary in Tennessee (single filer, $3,350 traditional 401(k) contribution, paid every two weeks), the estimated take-home pay is $2,041.02 per paycheck and $53,066.50 per year. Federal income tax is $5,458.00, FICA is $5,125.50, and Tennessee state income tax is $0.00, because Tennessee does not tax wages. Figures are annualized estimates before credits.
What is the take-home pay on a $60,000 salary in Tennessee?
For a single filer with no deductions entered, a $60,000 salary in Tennessee gives estimated annual take-home pay of $50,390.00 — $1,938.08 every two weeks. That is after federal income tax of $5,020.00, FICA of $4,590.00 and state income tax of $0.00.
Does Tennessee have a state income tax?
Tennessee does not tax wages or salaries, and there is no state withholding from a Tennessee paycheck. In this calculator the state line is $0.00 at every salary. The state former Hall tax covered interest and dividends, not pay, and it has been repealed; it is outside the scope of a paycheck estimate regardless. Federal income tax and FICA apply in full.
Why is Tennessee take-home pay higher than in neighboring states?
Most of Tennessee’s neighbors tax wages: Kentucky at a flat 3.5%, Georgia at 4.99%, Arkansas and Mississippi at lower graduated rates. On the same salary, those state lines run from several hundred to a few thousand dollars a year. The state pages on this site run the identical federal model, so the difference between any neighbor net and the Tennessee net is its state tax.
How does a 401(k) contribution change take-home pay in Tennessee?
A traditional 401(k) contribution is subtracted before federal income tax is calculated, so the federal line falls. Social Security and Medicare are worked out on pay before the 401(k) contribution, so the FICA lines stay the same. On the state side, this calculator applies the contribution inside the verified Tennessee model, as described in the tax notes on this page. The stub recalculates every line when the contribution changes.
What changes between biweekly and semimonthly pay?
The annual tax is the same in this annualized model; only the division changes. Biweekly pay means 26 paychecks a year and semimonthly means 24, so each semimonthly check is larger while the yearly total lands in the same place. The frequency strip above the annual summary shows the same pay divided all four ways: weekly, every two weeks, twice a month and monthly.