Tennessee Paycheck Calculator 2026
Created by: Emma Collins
Last updated:
Calculate your 2026 Tennessee take-home pay for salary or hourly wages. Tennessee has no state income tax, so see exactly what federal tax, Social Security and Medicare take from each paycheck.
Tennessee Paycheck Calculator
FinanceEstimate your Tennessee take-home pay after federal income tax, Social Security, Medicare and payroll deductions. Tennessee has no state income tax.
Traditional (pre-tax) only
Through payroll
Roth 401(k), union dues, garnishments
Tennessee take-home pay in 2026
Tennessee has no state income tax, so the only taxes withheld from a Tennessee paycheck are federal income tax, Social Security and Medicare. This calculator uses the 2026 federal tax brackets, the $16,100 standard deduction for single filers ($32,200 for married couples filing jointly), and the 2026 Social Security wage base of $184,500.
It works for salaried and hourly jobs, including overtime. Switch the tax year to 2025 to check the year you are filing a return for now.
Examples
$55,000 salary, single, paid biweekly
Federal income tax is about $4,420, Social Security is $3,410 and Medicare is $798. Take-home pay is $46,373 a year, or $1,783.56 per paycheck, an effective tax rate of 15.7%.
$110,000 household salary, married filing jointly
The joint standard deduction keeps federal income tax to about $8,840. Take-home pay is $92,745 a year, or $3,567.12 every two weeks.
$15 an hour, and $20 an hour with overtime
At $15 an hour for 40 hours a week, gross pay is $31,200 a year and weekly take-home is about $524.02. At $20 an hour with five overtime hours a week at $30, gross pay is $49,400 and weekly take-home is about $805.25, or $17.89 per hour worked. Overtime may also qualify for the federal no tax on overtime deduction when you file, which paychecks do not reflect.
Tennessee take-home pay by salary
2026, no pre-tax deductions, paid biweekly (26 paychecks).
| Salary | Single: per year | Single: per paycheck | Married: per year | Married: per paycheck |
|---|---|---|---|---|
| $30,000 | $26,285 | $1,010.96 | $27,705 | $1,065.58 |
| $40,000 | $34,320 | $1,320.00 | $36,160 | $1,390.77 |
| $50,000 | $42,355 | $1,629.04 | $44,395 | $1,707.50 |
| $60,000 | $50,390 | $1,938.08 | $52,570 | $2,021.92 |
| $75,000 | $61,593 | $2,368.94 | $64,623 | $2,485.48 |
| $100,000 | $79,180 | $3,045.38 | $84,710 | $3,258.08 |
| $125,000 | $96,704 | $3,719.37 | $104,798 | $4,030.67 |
| $150,000 | $113,791 | $4,376.58 | $123,185 | $4,737.88 |
| $200,000 | $148,927 | $5,727.96 | $159,321 | $6,127.73 |
Tennessee hourly wage after taxes
Single filer, 2026, 40 hours a week, paid weekly, no overtime or deductions. The first row is the $7.25 federal minimum wage.
| Hourly rate | Gross per year | Take-home per week | Take-home per year | Take-home per hour |
|---|---|---|---|---|
| $7.25 | $15,080 | $267.82 | $13,926 | $6.70 |
| $12.00 | $24,960 | $426.24 | $22,165 | $10.66 |
| $15.00 | $31,200 | $524.02 | $27,249 | $13.10 |
| $17.00 | $35,360 | $588.30 | $30,592 | $14.71 |
| $18.00 | $37,440 | $620.44 | $32,263 | $15.51 |
| $20.00 | $41,600 | $684.72 | $35,606 | $17.12 |
| $22.00 | $45,760 | $749.00 | $38,948 | $18.73 |
| $25.00 | $52,000 | $845.42 | $43,962 | $21.14 |
| $30.00 | $62,400 | $1,006.12 | $52,318 | $25.15 |
| $40.00 | $83,200 | $1,295.41 | $67,361 | $32.39 |
Tennessee compared with other states
Take-home pay on a $75,000 salary for a single filer in 2026, counting state income tax only; local income taxes, such as those in Kentucky, Ohio and Missouri cities, are not included. Florida and Texas, which also do not tax wages, match Tennessee exactly.
| State | State income tax | Take-home pay | Tennessee keeps more |
|---|---|---|---|
| Tennessee | $0 | $61,593 | — |
| Kentucky | $2,507 | $59,085 | $2,507 |
| Virginia | $3,498 | $58,094 | $3,498 |
| North Carolina | $2,484 | $59,109 | $2,484 |
| Georgia | $2,994 | $58,599 | $2,994 |
| Alabama | $3,485 | $58,108 | $3,485 |
| Mississippi | $2,268 | $59,325 | $2,268 |
| Arkansas | $2,712 | $58,880 | $2,712 |
| Missouri | $2,588 | $59,005 | $2,588 |
| Illinois | $3,568 | $58,025 | $3,568 |
| Ohio | $1,280 | $60,312 | $1,280 |
| California | $2,788 | $58,805 | $2,788 |
| Florida | $0 | $61,593 | — |
| Texas | $0 | $61,593 | — |
State rates as of January 1, 2026, from the Tax Foundation, State Individual Income Tax Rates and Brackets, 2026. Compare any state with the take-home pay calculator.
What Tennesseans pay instead of income tax
Tennessee funds the state mainly through sales tax: 7% statewide plus up to 2.75% local, so about 9.5% on most purchases, and a reduced 4% state rate on groceries. Property taxes are set by counties and cities and are low by national standards. Employers pay Tennessee unemployment tax on the first $7,000 of each employee's wages; it is not withheld from your pay.
Estimate these costs with the sales tax calculator and the property tax estimator, and see the employer side with the employer payroll tax calculator.
Getting a closer match to your pay stub
Enter benefit deductions as annual amounts: multiply the amount on your pay stub by your number of paychecks. If your stub shows Roth 401(k) contributions, add them as post-tax deductions rather than 401(k) contributions.
Because Tennessee has no state tax, a gap between this estimate and your stub almost always comes from federal withholding. Review your Form W-4 with the W-4 withholding calculator, or see what a bonus check leaves you with the bonus tax calculator.
Frequently asked questions
Does Tennessee have a state income tax?
No. Tennessee does not tax wages, and a 2014 constitutional amendment bars a tax on payroll or earned income. The Hall tax on interest and dividends was phased out and fully repealed from 2021, so Tennessee now has no individual income tax at all. Paychecks only have federal income tax, Social Security and Medicare withheld.
How much is $55,000 a year after taxes in Tennessee?
For a single filer in 2026 with no pre-tax deductions, $55,000 is about $46,373 a year after taxes, or $1,783.56 every two weeks. Federal income tax is about $4,420 and Social Security plus Medicare is $4,208.
What is the minimum wage in Tennessee?
Tennessee has no state minimum wage law, so the federal minimum of $7.25 an hour applies. Full time, that is $15,080 a year, or about $267.82 a week after taxes for a single filer. At $15 an hour, weekly take-home is about $524.02.
What taxes come out of a Tennessee paycheck?
Federal income tax (based on your Form W-4), Social Security at 6.2% of wages up to $184,500 in 2026, and Medicare at 1.45% of all wages, plus 0.9% Additional Medicare Tax above $200,000. Tennessee has no state income tax, no state disability insurance and no local income taxes, and unemployment tax is paid by employers only.
Why are Tennessee sales taxes so high?
With no income tax, Tennessee relies on sales tax. The state rate is 7% and local governments add up to 2.75%, so most purchases cost about 9.5% in tax, among the highest combined rates in the country. Groceries are taxed at a lower 4% state rate plus the local rate.
How much more will I take home in Tennessee than in California or Georgia?
On a $75,000 salary, a single filer keeps about $2,788 a year more in Tennessee than in California and $2,994 more than in Georgia, before allowing for Tennessee's higher sales tax. The table below compares other neighbors.
Sources
- IRS Revenue Procedure 2025-32 (2026 brackets and standard deduction)
- IRS Publication 15 (2026), Employer's Tax Guide (Social Security wage base)
- Tennessee Constitution, Article II, Section 28 (2014 amendment prohibiting a tax on payroll or earned income)
- Tennessee Department of Revenue: Sales and Use Tax
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026