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Tennessee Paycheck Calculator

Earning $75,000 in Tennessee? Your estimated 2026 take-home is about $61,593 after federal tax and FICA.

Tennessee take-home pay calculator

This is the figure before tax, not the amount that lands in your account

Your pay stub calls it gross pay. It is what you are paid before federal income tax, Social Security and Medicare come out of it — Tennessee takes nothing further out of wages.

Your usual week, not a busy one

Use the hours you work most weeks. Overtime belongs in the overtime calculator instead.

How often are you paid?

It changes the size of each check, not the tax you owe for the year

It only decides how the year is cut up, so the figure you see is the one you would actually receive.

How do you do your taxes?

It moves the income bands, so it changes the tax on the same pay

Tax forms call this your filing status. This estimate assumes one income; if your husband or wife also earns, the real figure is higher than this.

Do customers tip you?

Cash and card tips together, for the whole year.

An hourly rate times your hours never includes tips

If you worked out your pay as a rate times the hours you work, that figure is your wages and nothing else, so your tips are on top of it. A yearly salary from an employer who reports your tips usually already has them in it, and your last payslip is the place to check: if the gross on it is bigger than your rate times your hours, the difference is your reported tips.

Do you get paid extra for working extra hours?

This starts at one and a half times your normal rate, the usual overtime rate. Change it if yours is different, and it stops following.

Do you get a bonus or commission?

Do you, or your husband or wife, turn 65 at any point this year?

Do you put part of your pay into a retirement plan at work?

Look on your pay stub for a line like 401(k), 403(b), 457, TSP, retirement or pension.

Does money come out of your pay for health insurance or a health account?

Look on your pay stub for lines like medical, dental, vision, HSA or FSA.

Do you claim any children or other dependents?

That is $0 of dependent credit for the year. A W-4 counts $2,000 for each child under 17 and $500 for each other dependent.

Did you ask your employer to take extra tax out of each paycheck?

Look on your pay stub for a line like additional or extra withholding. On the W-4 you handed in, it is the box on line 4(c).

If your W-4 shows a per-paycheck amount, multiply it by the number of paychecks you get in a year.

Is anything else taken out of your pay after tax?

Look near the bottom of your pay stub for lines like union dues, life insurance, a repayment or a garnishment.

Your answer

These are example numbers. Type yours to see your own.

Based on a $75,000 salary in Tennessee, single filer, paid every 2 weeks

$2,368.94

take-home per 2 weeks · $61,593/yr

Gross$2,884.62
Federal income tax−$295.00
Social Security−$178.85
Medicare−$41.83
Net pay$2,368.94
Federal marginal rate: 22% Effective tax rate: 17.9% Take-home: 82.1%
Your federal tax on Tennessee pay, worked out one bracket at a time
BracketIncome taxed hereTax
10% ($0 – $12,400)$12,400$1,240
12% ($12,400 – $50,400)$38,000$4,560
22% ($50,400 – $105,700)$8,500$1,870

Taxable income $58,900 after the $16,100 standard deduction. Your federal marginal rate is 22%, the federal tax on your next dollar earned.

Compare your take-home pay with Georgia, Kentucky or North Carolina

Tips, overtime, bonuses, turning 65: what Tennessee workers should check

Tick the boxes that describe your pay. The Tennessee pointers then show only those.

Tick anything that is true for you.

Tips: federally deductible, and Tennessee runs on sales taxes rather than a wage tax, so nothing more is claimed at state level. Work out the tip deduction

Overtime: federally deductible, and Tennessee has no wage tax to tax overtime premium pay anyway. Work out the overtime deduction

Bonuses: Tennessee publishes no supplemental rate, which leaves federal withholding as the only bite out of a bonus. Estimate the tax on a bonus in Tennessee

Turning 65: the $6,000 federal senior deduction is all there is to claim, as Tennessee taxes no wages to begin with. Check the senior deduction

See every 2026 rule that matches your answers in Tennessee

Take-home now: $2,368.94 per 2 weeks

Use this free Tennessee (TN) paycheck and payroll calculator to estimate your 2026 take-home pay. Tennessee runs on sales taxes, not a wage tax, so just federal tax and FICA come out.

Adjust the calculator inputs to see the breakdown for your own Tennessee paycheck.

No state income tax in Tennessee — so what still shrinks your 2026 paycheck?

Because Tennessee levies no state income tax, the only deductions on your 2026 paycheck are federal withholding and FICA — no state line at all, which leaves more in your pocket than the same job in a taxing state. Tennessee has no tax on wages; its 'Hall tax' on interest and dividend income was fully repealed in 2021, making the state completely income-tax-free.

What this estimate doesn't include: City, county or school-district income taxes where they apply, court-ordered deductions, union dues, and anything else your specific employer withholds are not in this figure; your pay stub is the authority on those. No state income tax does not mean no state payroll deductions. Check your stub for state-run leave or disability contributions.

Estimates only, not tax advice. The section "What this estimate doesn't include" above lists what's left out; see also our terms and the corrections log.

Your paycheck vs the $71,997 Tennessee median

Median household income (2024)$71,997
Take-home (single filer)≈$59,480

One Tennessee payroll quirk worth knowing

  • Tennessee has the second-highest average combined sales tax in the nation at 9.61% (7.00% state + ~2.61% local), the trade-off for having no wage income tax.

What Tennessee levies instead: 7% sales tax and property tax

Sales tax7% (≈9.61% with local)
Property tax≈0.52% — Among the lower effective property-tax rates nationally (Tax Foundation 2026, owner-occupied housing value).

Is overtime and tips tax-free in Tennessee? Federally yes — no Tennessee wage tax anyway

For tax years 2025 to 2028 there is a federal deduction for qualified overtime premium pay and tips (OBBBA caps & rules). FICA comes out either way.

Related: overtime by state · tips by state · overtime calculator · tips calculator.

No city or county income tax anywhere in Tennessee

No state wage income tax and no local/city income taxes. The Hall income tax (on interest and dividends only, never on wages) was fully repealed effective Jan 1, 2021.

Tennessee stays on the federal $7.25 minimum wage in 2026

$7.25/hour (≈$15,080/year full-time). Tennessee has no state minimum wage law, so the federal minimum of $7.25/hr applies.

Tennessee paycheck FAQ

Does Tennessee have a state income tax in 2026?

No — Tennessee runs on sales taxes, not a wage tax.

What is unusual about how Tennessee handles payroll taxes?

Tennessee became a fully no-income-tax state only in 2021, when the Hall income tax on interest and dividends was completely phased out (reduced 1 point/year from 2016-2020); wages were never taxed.

Compare a paycheck next door: Georgia, Kentucky & North Carolina

StateState income tax (2026)Take-home on $75,000 (single)
Tennesseeno state income tax$61,593
Georgiaflat 4.99%$58,599
Kentuckyflat 3.5%$59,085
North Carolinaflat 3.99%$59,109
Alabamathree brackets, 2%–5%$58,033

Those are the states next door. To see where Tennessee lands against all of them at once, our take-home pay by state study runs an identical salary at two levels, $75,000 and $100,000, through the 2026 rules of every state and DC, except Arizona, California, District of Columbia, Idaho, Maryland and Vermont, still on their 2025 tables, ranked from the most take-home pay to the least.

Georgia Kentucky North Carolina

All state paycheck calculators →

Data compiled and maintained by Edmond Daher · Updated 2026-08-02

Sources

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Take-Home Pay by State on $75,000 and $100,000 (Data Study) No Tax on Overtime Calculator Salary to Hourly Calculator Overtime Tax by State (Data Study) No Tax on Tips Calculator Tennessee Take-Home Pay by Salary Tip Income Tax by State (Data Study) Tennessee Bonus Tax Calculator All tools →