Tennessee Paycheck Calculator 2026
Estimate your 2026 take-home pay in Tennessee from your salary. Tennessee has no tax on wages, so only federal income tax, Social Security and Medicare come off, with every rate shown and editable.
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About the Tennessee Paycheck Calculator
The Tennessee Paycheck Calculator estimates what is left of a salary earned in Tennessee in the 2026 tax year, after federal income tax, Social Security, Medicare and nothing else, because Tennessee does not tax wages. Enter your gross salary per year, month, 4 weeks, 2 weeks or week, choose your filing status and, if you save into a traditional 401(k), the share of pay you defer. The result shows net pay per year, per month and per pay period, the total deductions and their share of your gross pay, and a line-by-line breakdown. Every line names its scope ("United States · federal" or "Tennessee"), the 2026 tax year and the rate it charges.
This page opens with Tennessee already chosen. The same calculator covers the other states with confirmed 2026 values on the main Net Salary Calculator and the federal Paycheck Calculator.
What comes off a Tennessee paycheck
Federal lines
Federal income tax uses the 2026 rate schedule from IRS Rev. Proc. 2025-32 on your wages minus the 401(k) and the standard deduction (16,100 single, 32,200 married filing jointly, 24,150 head of household). Social Security is 6.2% of wages up to 184,500, Medicare 1.45% of all wages, and Additional Medicare 0.9% of wages above 200,000 (250,000 for married filing jointly).
Tennessee lines
Tennessee does not tax wages. Its old Hall tax on interest and dividends ended in 2021 and never applied to pay, and there is no statewide employee payroll deduction, so only the federal lines apply.
- State income tax on wages: none
- State payroll deductions: none
Your 401(k)
A traditional 401(k) contribution lowers federal taxable income, but not Social Security or Medicare. The 2026 elective deferral limit is 24,500; a larger percentage is capped there and the page says so.
Worked example
50,000 a year, head of household
The head of household standard deduction is 24,150, so taxable income is 25,850. Federal income tax is 10% of 17,700 + 12% of 8,150 = 1,770 + 978 = 2,748.00. Social Security is 3,100.00 and Medicare 725.00, so net pay is 43,427.00 a year.
What the estimate leaves out
Tennessee cities and counties do not tax wages, so no local tax is missing from a Tennessee result. The estimate also leaves out credits such as the child tax credit and the earned income credit, itemised deductions, bonuses and supplemental-wage withholding, and the 2025 law's deductions for tips, overtime, seniors and car-loan interest. Married filing jointly assumes one earner. The page works out the 2026 annual liability, not the amount your employer withholds from each paycheck under Publication 15-T, so a payslip can differ by a little each period.
Edit and reset the rates
Every rate sits in the Tax rates panel as a field, with its scope, the tax year and its default beside it. Thresholds, wage bases and allowances show as read-only text. Change a rate and the result updates at once, with an "Edited" marker on the field; Reset to 2026 defaults puts every rate back. Changing the state also restores the defaults. To see what your gross pay is before any tax, use the Gross Pay Calculator.
Official sources
The rules are checked against these pages; the header of the calculator shows the month they were last checked.
Privacy
Nothing is uploaded; every calculation runs in your browser and never leaves your device. Your salary and the rates you enter are not stored or sent anywhere.
Frequently asked questions
What comes off a paycheck in Tennessee?
Federal income tax, Social Security (6.2% up to 184,500) and Medicare (1.45%, plus 0.9% above 200,000). Tennessee does not tax wages and has no statewide employee payroll deduction.
Does a 401(k) lower Tennessee taxes?
Tennessee has no state income tax for a 401(k) to lower. A traditional 401(k) lowers federal income tax only, and Social Security and Medicare still apply to the full wage.
Are local taxes in Tennessee included?
There are none to include: Tennessee cities and counties do not tax wages, and the old Hall tax on investment income ended in 2021.
What is take-home pay on 50,000 as head of household in Tennessee?
After the 24,150 head of household deduction, federal income tax is 2,748.00, Social Security 3,100.00 and Medicare 725.00, so take-home pay is 43,427.00 a year.
Can I change the Tennessee rates?
Yes. Every federal and Tennessee rate is a field in the Tax rates panel with its 2026 default beside it. Edit any of them to see the effect, and press Reset to 2026 defaults to restore them all.