Tennessee Paycheck Calculator

Enter your salary to estimate your Tennessee take-home pay after federal income tax and FICA, broken down per paycheck for any pay schedule.

Take-home per paycheck

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Gross annual pay—

Federal income tax—

Tennessee state income tax—

FICA (Social Security + Medicare)—

Net annual take-home—

Where your Tennessee paycheck goes

Annual take-home versus federal, state, and FICA taxes.

Same salary, different states

Estimated net take-home on an $80,000 single salary. Tennessee is highlighted.

Tennessee paycheck, explained

A Tennessee paycheck calculator shows what you actually keep from your salary after mandatory federal withholding. Tennessee is one of the states with no wage income tax, so residents keep a larger share of each paycheck than workers in most other states — the only mandatory deductions are federal income tax and FICA payroll tax. This tool estimates federal income tax and FICA, then divides your net pay across your chosen pay schedule.

Because Tennessee collects no income tax, the state leans more heavily on sales tax, property tax, or other revenue sources to fund public services. Your paycheck deductions here are limited to federal tax and FICA. Enter your gross salary above to see your Tennessee take-home pay per paycheck.

Tennessee income tax

Tennessee levies no individual income tax on wages, so a paycheck is reduced only by federal income tax and FICA, not a separate state withholding line.

There are no additional local or county income taxes in Tennessee; the state rate above is the only income tax withheld from a paycheck. Tennessee does not tax Social Security retirement benefits.

The paycheck formula

A paycheck calculator works backward from your gross salary, removing every mandatory withholding to reveal your true take-home pay:

taxable income = gross salary − pre-tax deductions − standard deduction
federal tax = progressive federal brackets
Tennessee tax = $0 (no state income tax on wages)
FICA = 6.2% Social Security (to cap) + 1.45% Medicare
net pay = gross − federal − state − FICA − pre-tax deductions
per paycheck = net pay ÷ number of pay periods

Worked example

Federal income tax is roughly $8,770 and FICA is $6,120; Tennessee levies no state income tax. Net take-home is around $65,110 a year, close to $2,504 every two weeks on a bi-weekly schedule. Contributing to a 401(k) or HSA would lower your federal tax and raise the after-tax value of saving.

How Tennessee compares

On the same $80,000 single salary, Tennessee take-home is about $65,110 — about the same as Texas's $65,110 (Texas has no state income tax), $3,594 more than California's $61,516, and $3,795 more than New York's $61,315. The chart above shows how Tennessee stacks up against those three benchmark states on identical pay.

Frequently asked questions

How much is taken out of a paycheck in Tennessee?

On an $80,000 single salary, roughly $14,890 a year goes to federal income tax and FICA combined — Tennessee has no state income tax — leaving about $65,110 in take-home.

What is the Tennessee state income tax rate?

Tennessee has no state income tax on wages, so a paycheck is only reduced by federal income tax and FICA.

Does Tennessee tax Social Security benefits?

Tennessee does not tax Social Security retirement benefits.

Does Tennessee have any local income taxes?

There are no additional local or county income taxes in Tennessee; the state rate above is the only income tax withheld from a paycheck.

How can I increase my Tennessee take-home pay?

Contributing to pre-tax accounts like a 401(k), HSA, or FSA lowers your federal taxable income, reducing withholding and raising the value of each dollar you save.

Is Tennessee take-home pay higher or lower than Texas?

About the same. Neither Tennessee nor Texas levies a state income tax, so take-home pay on the same salary is nearly identical.