Estimate Tennessee take-home pay — no state income tax, so only federal tax, Social Security, and Medicare come out of your paycheck.
Take-home pay per paycheck: $2,368.94
Take-home pay per paycheck
$2,368.94
Effective total tax rate: 17.9%
Annual paycheck breakdown
Item
Annual
Gross pay
$75,000.00
Federal income tax
−$7,670.00
Social Security (6.2%)
−$4,650.00
Medicare
−$1,087.50
State income tax (Tennessee (no income tax))
$0.00
Total tax
−$13,407.50
Net pay
$61,592.50
2026 federal tax year. Pre-tax deductions (401(k), HSA, insurance), local taxes, and state-mandated payroll contributions such as disability or paid-leave insurance are not included.
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Net pay in Tennessee = gross salary minus federal withholdings only, because Tennessee has no state tax on income (the Hall tax on interest and dividends was fully phased out after 2020). Using tax year 2026 federal figures (Rev. Proc. 2025-32): federal income tax is gross minus the standard deduction ($16,100 single / $32,200 married) run marginally through the seven brackets (10%–37%); Social Security is 6.2% of wages up to $184,500; Medicare is 1.45% of all wages plus 0.9% over $200,000 (single) / $250,000 (married). Worked example — $60,000, single: federal income tax $5,020.00, Social Security $3,720.00, Medicare $870.00; net $50,390.00 per year, or $1,938.08 per biweekly paycheck. Pre-tax deductions and credits are not modeled; Tennessee has no state or local wage income taxes to subtract.
Disclaimer: This calculator provides educational estimates only and is not financial, tax, or investment advice. Figures are simplified and may not reflect your full situation — consult a qualified professional before making financial decisions.
Tennessee has no state income tax — not on wages, and (since 2021) not on investment income
either. So a Tennessee paycheck loses money to just federal income tax, Social Security, and
Medicare. This calculator itemizes all three for tax year 2026 and cites its sources.
How to use it
Enter your annual gross salary.
Pick your filing status.
Tennessee is preselected in the state menu, contributing a $0 row.
Choose your pay frequency for the per-check net.
Fully income-tax-free since 2021
Tennessee is a recent addition to the truly-no-income-tax club. For years it levied the Hall
tax on interest and dividends — never on wages, but still an income tax. That tax was phased
down and eliminated after 2020, so from 2021 on, Tennessee taxes no personal income at all. For
your paycheck this has always meant a $0 state row (wages were never taxed), and now there’s no
state return to file for investment income either. Compare the same salary in
California to see the take-home difference.
The sales-tax trade-off
Tennessee funds itself with one of the highest combined sales-tax rates in the country — 7%
at the state level, often near 9.75% with local additions, and it applies even to groceries at a
reduced rate. So residents keep their full salary but pay noticeably more on everything they buy.
The paycheck advantage is real; the register is where the state collects.
Limits
Covers federal income tax and FICA only, using 2026 IRS figures. It excludes pre-tax deductions,
tax credits, and W-4 fine-tuning. Check your refund with the
tax refund calculator; the flexible
paycheck calculator handles any state.
Last updated:
Frequently asked questions
Does Tennessee have a state income tax?
No. Tennessee never taxed wages, and the last remnant — the Hall tax on interest and dividend income — was fully repealed after tax year 2020. Today your paycheck loses only federal income tax, Social Security, and Medicare.
What was the Hall tax?
A Tennessee tax on certain investment income (interest and dividends), separate from wages. It was gradually reduced and eliminated entirely, so as of 2021 Tennessee has no income tax of any kind — wage or investment.
How much is taken from a $60,000 paycheck in Tennessee?
For a single filer in 2026: about $5,020 federal income tax, $3,720 Social Security, and $870 Medicare — roughly 16% of gross, leaving about $50,390 a year or $1,938 per biweekly check, before any 401(k) or insurance.
Which tax year does this use?
Tax year 2026, per IRS Rev. Proc. 2025-32: the $16,100/$32,200 standard deduction, the seven brackets, and the $184,500 Social Security wage base.
See your take-home pay per paycheck after federal income tax, Social Security, Medicare, and state tax — full annual breakdown and effective rate shown.