Tennessee Paycheck Calculator 2026 – Estimate Your Take-Home Pay
Use our free Tennessee Paycheck Calculator to estimate your net pay for the 2026 tax year. This tool acts as a TN net pay calculator by computing Federal withholding and FICA taxes. Since Tennessee has 0% state income tax on wages, your Tennessee take-home pay is significantly higher than in neighboring states, making it an excellent state for workers.
- State Income Tax: 0.00% (None on Wages)
- Federal Tax: 10% – 37% (Based on brackets)
- Social Security: 6.2%
- Medicare: 1.45%
How the Tennessee Paycheck Calculator Works
Our Tennessee gross to net calculator uses a simplified formula because there is no state-level withholding. We take your gross salary and subtract:
- Federal Withholding: Based on your filing status (Single, Married, etc.).
- FICA Taxes: Mandatory federal contributions for Social Security (6.2%) and Medicare (1.45%).
- Optional Deductions: Items like health insurance or 401(k) contributions if you enter them.
Tennessee State Income Tax (0%)
Tennessee is one of the few states in the U.S. that does not levy a personal income tax on wages. The "Hall Tax" on interest and dividends has also been fully repealed. This makes the Tennessee income tax calculator primarily a federal tax estimator.
Federal Taxes That Apply to Your Paycheck
Federal Income Tax
Even though Tennessee takes $0, the IRS still requires federal tax payments. This is a progressive tax ranging from 10% to 37% depending on your taxable income.
Social Security & Medicare (FICA)
Every Tennessee paystub calculator must account for FICA. This deducts 6.2% of your gross pay for Social Security (up to the wage limit) and 1.45% for Medicare (on all earnings).
Tennessee Paycheck After Taxes for $60,000 Salary
If you are a single filer in Nashville or Memphis earning $60,000 per year, your breakdown looks like this:
| Tax Description | Amount |
|---|---|
| Federal Tax (Est.) | $5,900 |
| FICA (7.65%) | $4,590 |
| State Tax (0%) | $0 |
| Estimated Take-Home Pay | $49,510 |
Minimum Wage & Cost of Living
Tennessee does not have a state minimum wage, so it defaults to the federal minimum of $7.25 per hour. The cost of living is generally lower than the national average, though Nashville is seeing rising housing costs.
How to Increase Your Take-Home Pay
To maximize your TN paycheck calculator results, ensure your W-4 form is accurate. Contributing to pre-tax retirement accounts can also lower your federal tax liability.
FAQs – Tennessee Paycheck Calculator
Does Tennessee have state income tax?
No. Tennessee does not tax wages or salaries. The Hall Tax on investment income was also repealed.
What is taken out of my paycheck in Tennessee?
The primary deductions are Federal Income Tax and FICA taxes (Social Security & Medicare). You may also see deductions for benefits like health insurance or retirement plans.
Does Tennessee tax overtime pay?
Overtime pay is taxed federally as regular income, but since Tennessee has no state income tax, there is no additional state tax on overtime earnings.