Tennessee Paycheck Calculator
See exactly what you keep after taxes in Tennessee — enter your pay for an instant, itemized take-home breakdown.
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Your take-home pay
$0 per year
Effective tax rate 0%
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How Tennessee take-home pay is calculated
Tennessee levies no individual income tax on wages, so your paycheck is reduced only by federal income tax, Social Security, and Medicare — meaning workers keep all of their state-level earnings. The state historically taxed only interest and dividends through the Hall income tax, but that levy was fully repealed effective January 1, 2021, leaving Tennessee with zero tax on personal income of any kind. Combined with no local payroll income taxes, Tennessee residents enjoy some of the highest take-home pay percentages in the nation.
Federal income tax
Progressive 10%–37%, applied after the federal standard deduction ($15,000 single / $30,000 married for 2025).
Social Security
6.2% of wages up to the $176,100 wage base.
Medicare
1.45% of all wages, plus 0.9% above $200,000.
Tennessee state income tax
None — this state does not tax wage income.
401(k) — optional
Pre-tax contributions lower your taxable income for both federal and state tax.
- Tennessee has no state income tax on wages, salaries, interest, or dividends as of the 2025 tax year.
- The Hall income tax on interest and dividends was fully phased out and repealed effective January 1, 2021.
- There are no city or county income taxes in Tennessee, so all earned income avoids state and local wage taxation.
Tennessee paycheck — frequently asked questions
How much is taken out of a paycheck in Tennessee? +
Tennessee has no state income tax, so only federal income tax, Social Security (6.2%) and Medicare (1.45%) are withheld. That usually means total withholding around 18%–28% of gross pay — lower than in states that tax income.
What is take-home pay? +
Take-home pay (net pay) is the amount that actually reaches your bank account after all taxes and deductions are subtracted from your gross salary. It is always lower than your headline salary.
Does Tennessee have a state income tax? +
No. Tennessee is one of the U.S. states with no state income tax on wages, which is why take-home pay here is higher than in most states.
Is this Tennessee paycheck calculator accurate? +
It gives a close estimate using 2025 federal tax brackets, the standard deduction and FICA. Your actual paycheck can vary based on local taxes, additional withholdings, benefits and your W-4. It is an estimate, not tax advice.
Disclaimer: This calculator provides estimates for educational purposes only using 2025 tax figures and does not constitute tax, legal, or financial advice. Actual withholding depends on your W-4, local taxes, benefits, and other factors. Verify with a qualified professional or the relevant tax authority.