Paycheck Calculator 2026
Tennessee Paycheck Calculator
Estimate take-home pay in Tennessee after federal income tax, FICA. The state rate below is pre-filled — adjust it for local taxes if needed.
Use this free Tennessee payroll calculator and Tennessee paycheck calculator for 2026 net-pay estimates — the same tax math Gusto runs on every payroll.
Pre-filled with no state income tax. Estimates use current (2026) federal brackets and standard deductions and don't account for pre-tax deductions, credits, or every local rule — your actual paycheck may differ. Gusto runs these figures exactly on every payroll.
Tennessee take-home pay by salary
Here's the estimated 2026 take-home pay for a single filer at three common salaries in Tennessee, after federal income tax, no state income tax, and FICA. Adjust the calculator above for your own numbers.
| Annual salary | Federal tax | State tax | FICA | Take-home / yr | Take-home / mo |
|---|---|---|---|---|---|
| $45,000 | $3,220 | $0 | $3,443 | $38,338 | $3,195 |
| $65,000 | $5,620 | $0 | $4,973 | $54,408 | $4,534 |
| $95,000 | $12,070 | $0 | $7,268 | $75,663 | $6,305 |
FICA is Social Security (6.2%) plus Medicare (1.45%). Figures assume the standard deduction and no pre-tax deductions; your actual paycheck depends on your W-4, benefits, and any local taxes.
TN paycheck calculator: $0 state tax is the real answer
Tennessee does not tax wages. The Hall tax — the state's old tax on interest and dividends — was fully repealed in 2021, so there is no Tennessee income tax of any kind anymore. The state-tax column in the table above is $0 because that is the actual rule, not a missing feature.
Tennessee also has no employee-paid state programs: no state disability insurance, no paid family leave premium, and no city or county income taxes on wages. A Tennessee paycheck withholds exactly two things — federal income tax based on the W-4, and FICA (6.2% Social Security plus 1.45% Medicare). That is why take-home pay in Tennessee runs higher than in neighboring Georgia or Kentucky at the same salary.
Calculate take-home pay in Tennessee from an hourly wage
This TN salary paycheck calculator starts from annual gross. For an hourly job, multiply the rate by expected annual hours (2,080 for a 40-hour week) and enter that as the salary, leaving the state rate at 0%. Because nothing is withheld at the state level, the only variables that change a Tennessee paycheck are the W-4 filing status and any pre-tax benefits.
Tennessee payroll taxes
Tennessee has no state income tax on wages, so paychecks are only subject to federal income tax and FICA.
On top of any state tax, every Tennessee paycheck has federal income tax withheld based on the employee's W-4, plus Social Security (6.2%) and Medicare (1.45%). Employers also pay federal and state unemployment taxes. See the full breakdown in our payroll taxes guide.
Run Tennessee payroll automatically
Calculating this by hand every pay period is error-prone. Gusto handles Tennessee payroll end to end — it calculates federal, state, and local taxes, files and pays them for you, and pays your team by direct deposit. Estimate any salary with the Gusto paycheck calculator, read the Gusto Payroll overview, check Gusto's pricing, or get a $300 Visa card when you run your first payroll.
Tennessee paycheck FAQs
How much of a $65,000 salary is take-home pay in Tennessee?
A single filer earning $65,000 a year in Tennessee takes home about $54,408 — roughly $4,534 a month — after federal income tax, and FICA (Social Security and Medicare). That works out to an effective tax rate of about 16.3%.
How much tax is taken out of a paycheck in Tennessee?
On a $65,000 salary in Tennessee, about $10,593 in taxes is withheld per year: roughly $5,620 in federal income tax, $4,030 in Social Security, and $943 in Medicare. Tennessee has no state income tax, so nothing is withheld at the state level.
Does Tennessee have a state income tax?
Tennessee has no state income tax on wages, so paychecks are only subject to federal income tax and FICA.
How much tax is taken out of a paycheck in Tennessee?
Only federal income tax and FICA. Tennessee has no state income tax on wages — the Hall tax on investment income was fully repealed in 2021 — and no local wage taxes or employee-paid state leave programs, so the state-level withholding on a Tennessee paycheck is $0.