Tennessee Paycheck Calculator 2026
Tennessee takes no state income tax from wages and has no employee payroll premium, so a Tennessee paycheck shows federal deductions only.
Last updated: October 2026
Pay and filing
Annual gross: $65,000
Used to stop Social Security at the $184,500 wage base and to start the extra 0.9% Medicare above $200,000 on this paycheck.
Form W-4
Step 3: $2,200 per child and $500 per other dependent, a year.
For example education or child care credits you expect to claim.
Interest, dividends or other income with no withholding.
Deductions beyond the standard deduction, including deductible IRA contributions.
Retirement and benefits
$3,900 a year, capped at the $24,500 employee limit for 2026.
Traditional contributions lower federal and most state income tax now, but not Social Security or Medicare.
Through payroll, an HSA avoids income tax and FICA. California and New Jersey still tax it.
2026 limit $3,400.
2026 limit $7,500 per household ($3,750 married filing separately).
Paycheck breakdown (biweekly)
Annual summary
Tennessee paycheck rules for 2026
| State income tax, 2026 | No state income tax on wages |
|---|---|
| Deductions before tax | Not applicable |
| Withholding certificate | None (no state income tax) |
| Bonus (supplemental) withholding | None: no state tax is withheld from bonuses |
| Mandatory payroll premiums | None for employees |
| Local income taxes | None |
| Reciprocity agreements | None |
| Sales tax (for context) | 7.00% state, 9.61% average combined with local (rank 2 of 51) |
Worked example: $60,000 in Tennessee
Single filer, paid every two weeks (26 paychecks), standard W-4, no 401(k) or other benefits.
| Gross pay | $2,307.69 |
| Federal income tax | -$193.08 |
| Social Security (6.2%) | -$143.08 |
| Medicare (1.45%) | -$33.46 |
| Tennessee income tax | $0.00 |
| Take-home pay | $1,938.08 |
Tennessee take-home pay at different salaries
Single filer, paid every two weeks, standard W-4, no benefits, no local tax.
| Salary | Per paycheck | Per year | To Tennessee |
|---|---|---|---|
| $40,000 | $1,320.00 | $34,320 | $0 |
| $60,000 | $1,938.08 | $50,390 | $0 |
| $100,000 | $3,045.38 | $79,180 | $0 |
| $150,000 | $4,376.58 | $113,791 | $0 |
Living and working in Tennessee
Tennessee taxes groceries at a reduced 4% state rate instead of the full 7%, but local add-ons still apply, which is why its combined sales tax is among the highest in the country.
Tennessee's state sales tax is 7.00%; with local add-ons the average combined rate is 9.61%, ranked 2 of 51 as of July 2026.
Tennessee repealed its Hall tax on interest and dividends in 2021 and now taxes no personal income. It has one of the highest combined sales tax rates in the country instead.
Tennessee paycheck questions
How much is take-home pay on $60,000 in Tennessee?
A single filer paid $60,000 a year every two weeks, with no pre-tax benefits, takes home about $1,938.08 a paycheck in Tennessee ($50,390 a year). Each $2,307.69 paycheck loses $193.08 to federal income tax, $176.54 to Social Security and Medicare.
Does Tennessee withhold state income tax from paychecks?
No. Tennessee has no income tax on wages, so there is no state withholding certificate to fill in and no state income tax line on your pay stub. Tennessee takes no state income tax from wages and has no employee payroll premium, so a Tennessee paycheck shows federal deductions only.
If Tennessee has no income tax, what does it tax instead?
Tennessee swapped an income tax for sales tax: it repealed the Hall tax on interest and dividends in 2021 and now has one of the highest combined sales tax rates in the United States, which falls hardest on lower-income households. The state sales tax rate is 7.00%, and with local add-ons the average combined rate is 9.61%, ranked 2 of 51 (Tax Foundation, July 2026). A bigger paycheck can be partly offset by what you pay at the register and in property tax.
What else does Tennessee take out of a paycheck?
Apart from income tax, Tennessee requires no other employee payroll deduction, so the remaining lines on your stub are federal income tax, Social Security, Medicare and any benefits you chose.
How are bonuses withheld in Tennessee?
Federally, a bonus paid separately is usually withheld at a flat 22% (37% on supplemental pay above $1 million in the year). For Tennessee: None: no state tax is withheld from bonuses.
More for Tennessee
- Tennessee income tax calculator for the full year
- Paycheck calculator for all states
- Bonus tax calculator