Skip to main content
PayslipIQUSA
EnglishEspanol (Beta)

Tennessee Paycheck Guide

Tennessee has no state income tax. Your paycheck only has federal tax (income tax + FICA) and any local taxes that apply.

PI
Reviewed by PayslipIQ Editorial Team, in-house payroll editor
Last reviewed May 2026 · Editorial standards

In short

A Tennessee paycheck has federal income tax, Social Security (6.2% up to the 2026 wage base of $184,500), and Medicare (1.45%), and no state income tax on wages. On a $65,000 single-filer salary, estimated Tennessee take-home is about $54,408 a year, or $2,093 per biweekly paycheck.

PayslipIQ provides educational information and estimated calculations only. It does not provide tax, legal, financial, accounting, employment, benefits, or payroll advice. PayslipIQ is not a CPA firm, law firm, financial advisor, payroll provider, or tax authority. Always verify your paycheck, deductions, withholdings, and tax position with your employer's payroll department, a qualified CPA, the IRS, your state tax authority, or another appropriately qualified professional. Calculations are estimates; your actual paycheck may differ based on factors specific to your employer, location, benefits elections, and personal tax situation.

Tennessee: the local picture

Tennessee does not tax wage income. The Hall Tax on interest and dividends was fully phased out in 2021. Take-home is shaped by federal and FICA only.

Tennessee Paycheck Calculator

Estimate take-home pay for Tennessee.

Tennessee State Tax

Tennessee tax structure and rates.

Tennessee Overtime

Federal FLSA applies.

Tennessee Pay Stub Laws

Employer pay stub requirements in Tennessee.

Tennessee take-home pay by salary (2026)

See estimated Tennessee take-home for common salaries. Each page has a full federal, FICA, and Tennessee breakdown with per-paycheck figures.

$40,000 after tax$50,000 after tax$60,000 after tax$75,000 after tax$90,000 after tax$100,000 after tax$125,000 after tax$150,000 after tax
All Tennessee salariesTennessee gross-to-net calculator

How a Tennessee paycheck is built

Every Tennessee worker pays federal income tax, calculated on the W-4 you submitted to your employer using the IRS Publication 15-T tables. Federal income tax is followed by FICA: 6.2 percent Social Security up to the annual wage base, plus 1.45 percent Medicare on every dollar. The 0.9 percent Additional Medicare Tax applies once year-to-date wages cross $200,000 single or $250,000 married filing jointly.

Tennessee levies no state income tax on wages. Your paycheck has only federal layers, no state line.

What changed recently in Tennessee

  • Hall Tax phaseout completed 2021.
  • No state income tax change planned.
  • No state PFL or SDI.

Tennessee payroll quirks workers should know

  • No state withholding on Tennessee paychecks.
  • No local income tax.

Example breakdown

A hypothetical Tennessee worker on a $65,000 annual salary, paid bi-weekly, single filer, no extra adjustments. Educational only, your real paycheck differs.

Gross (bi-weekly)$2,500.00
Federal income tax-$216.15
Social Security (6.2%)-$155.00
Medicare (1.45%)-$36.25
Tennessee state tax$0.00 (no state income tax)
Estimated take-home$2,092.60

Run your own numbers in the Tennessee paycheck calculator.

Authoritative sources

Next steps

Want to go further?

The calculators and guides here are free. If you want a closer look at one specific stub, these optional next steps go deeper.

Premium pay stub report
A detailed one-off PDF that walks through every line on one stub, with a verify-with-payroll checklist.
Monthly paycheck monitor
Track each stub against the last one and get a plain-English alert when something shifts.
Talk to a CPA or EA
For anything that affects your taxes, find a credentialed professional through the IRS and state directories.

How PayslipIQ stays free: the tools and guides are free to use. PayslipIQ offers optional paid reports and monitoring, and links to independent CPA and tax-preparer directories. It is not affiliated with the IRS, the SSA, any employer, or any payroll provider, and does not sell user data. Educational only, not tax, legal, or financial advice.

Frequently asked questions

Does Tennessee have state income tax?
No. Tennessee levies no state income tax on wages.
Are there local income taxes in Tennessee?
No. Tennessee does not have local income taxes on wages.
Does Tennessee have State Disability Insurance or Paid Family Leave premiums?
No. Tennessee does not have state-mandated SDI or PFL employee premiums.
Does Tennessee have daily-overtime rules?
No. Tennessee follows federal FLSA: 1.5x for hours above 40 in a workweek.
What is FICA on a Tennessee paycheck?
FICA is federal: 6.2 percent Social Security up to the annual wage base, plus 1.45 percent Medicare on every dollar. The 0.9 percent Additional Medicare Tax applies above $200,000 single or $250,000 married filing jointly. FICA applies in every state.
Where do I verify Tennessee state tax withholding?
The Tennessee Department of Revenue (https://www.tn.gov/revenue.html) is the authoritative source. For your specific paycheck, contact your employer's payroll team or a CPA.
Did Tennessee actually become a no-income-tax state?
For wages, always was. The Hall Tax on interest and dividends was finally phased out in 2021, making Tennessee fully no-income-tax now.