Tennessee Paycheck Calculator 2026
See what lands in your bank account each payday. Tennessee does not tax wages or, since 2021, investment income. Only federal taxes come out of a Tennessee paycheck.
| Line | This paycheck | Per year |
|---|---|---|
| Gross pay | $2,500.00 | $65,000 |
| Federal income tax | -$191.55 | -$4,980 |
| Social Security (6.2%) | -$150.04 | -$3,901 |
| Medicare (1.45%) | -$35.09 | -$912 |
| Tennessee income tax | $0.00 | $0 |
| 401(k) | -$125.00 | -$3,250 |
| Health insurance | -$80.00 | -$2,080 |
| Take-home pay | $1,918.32 | $49,876 |
What your numbers mean
Living in Tennessee saves you real money. At this pay, a 5% state income tax would cost about $2,984 a year.
to each paycheck. You keep about 80¢ of every extra dollar at this pay.
You put $125.00 into your 401(k) each paycheck, but your take-home only drops by $110.00. The difference is income tax you don't pay today.
Take-home pay at common salaries in Tennessee
Single filer, paid every two weeks, no 401(k) or health deductions.
| Salary | Every 2 weeks | Per month | Per year | Total tax rate |
|---|---|---|---|---|
| $30,000 | $1,010.96 | $2,190.42 | $26,285 | 12.4% |
| $40,000 | $1,320.00 | $2,860.00 | $34,320 | 14.2% |
| $50,000 | $1,629.04 | $3,529.58 | $42,355 | 15.3% |
| $60,000 | $1,938.08 | $4,199.17 | $50,390 | 16.0% |
| $70,000 | $2,233.65 | $4,839.58 | $58,075 | 17.0% |
| $80,000 | $2,504.23 | $5,425.83 | $65,110 | 18.6% |
| $100,000 | $3,045.38 | $6,598.33 | $79,180 | 20.8% |
| $125,000 | $3,719.37 | $8,058.63 | $96,704 | 22.6% |
| $150,000 | $4,376.58 | $9,482.58 | $113,791 | 24.1% |
| $200,000 | $5,727.96 | $12,410.58 | $148,927 | 25.5% |
Hourly pay after taxes in Tennessee
Single filer working 40 hours a week, 52 weeks a year. Tennessee's minimum wage is $7.25 an hour.
| Hourly rate | Weekly take-home | Yearly gross | Yearly take-home |
|---|---|---|---|
| $7.25 (minimum) | $267.82 | $15,080 | $13,926 |
| $15.00 | $524.02 | $31,200 | $27,249 |
| $20.00 | $684.72 | $41,600 | $35,606 |
| $25.00 | $845.42 | $52,000 | $43,962 |
| $30.00 | $1,006.12 | $62,400 | $52,318 |
| $40.00 | $1,295.41 | $83,200 | $67,361 |
Tennessee vs nearby states: take-home on $65,000
On a $65,000 salary, a single filer keeps about $2,495 a year more in Tennessee than in Georgia. Single filer, paid every two weeks, no 401(k) or health deductions.
| State | Every 2 weeks | Per year | vs Tennessee |
|---|---|---|---|
| Tennessee | $2,092.60 | $54,408 | — |
| Georgia | $1,996.63 | $51,913 | −$2,495 |
| Kentucky | $2,009.62 | $52,250 | −$2,157 |
| Mississippi | $2,020.75 | $52,540 | −$1,868 |
| North Carolina | $2,012.41 | $52,323 | −$2,085 |
More Tennessee pay calculators
Paychecks in Tennessee: what to know
- No state income tax on wages, and the Hall tax on interest and dividends ended in 2021.
- Tennessee has no state minimum wage law, so the federal $7.25 an hour applies.
- The 7% state sales tax, plus local rates, is one of the highest combined sales taxes in the US.
- Sales tax: 7% state sales tax, among the highest in the US.
How this calculator works
- Gross pay. Your salary, or hourly rate × hours × 52 weeks plus overtime at 1.5×, divided by your number of paychecks.
- Pre-tax deductions. 401(k) contributions lower your income tax. Health premiums lower income tax and Social Security/Medicare.
- Federal income tax. Yearly taxable pay minus the 2026 standard deduction, run through the 2026 IRS brackets.
- Social Security and Medicare. 6.2% up to $184,500, plus 1.45% Medicare (2.35% above $200,000).
- Tennessee. No state income tax.
Full details and federal sources are on the methodology page.
Common questions
Does Tennessee have a state income tax?
No. Tennessee does not tax wages or, since 2021, investment income. Only federal taxes come out of a Tennessee paycheck.
How much is $65,000 a year after taxes in Tennessee?
For a single filer with no 401(k) or health deductions, $65,000 a year in Tennessee is about $54,408 after taxes, or $2,092.60 every two weeks. That is 84% of gross pay.
What does a full-time minimum wage job in Tennessee take home?
At $7.25 an hour and 40 hours a week, gross pay is $15,080 a year. A single filer takes home about $13,926, or $535.63 every two weeks.
What percentage of my paycheck goes to taxes in Tennessee?
For a single filer with no pre-tax deductions in Tennessee, taxes take about 14% of pay at $40,000 a year, 16% at $65,000 and 21% at $100,000. That counts federal income tax, Social Security and Medicare.
How much is $20 an hour after taxes in Tennessee?
Working 40 hours a week, $20 an hour is $41,600 a year. A single filer in Tennessee takes home about $35,606 a year, $684.72 a week, or about $17.12 per hour worked.
How much is $100,000 a year after taxes in Tennessee?
A single filer earning $100,000 in Tennessee takes home about $79,180 a year, or $3,045.38 every two weeks, with no pre-tax deductions.
How are bonuses taxed in Tennessee?
Employers usually withhold federal tax on a bonus at a flat 22%, plus Social Security and Medicare. On a $5,000 bonus with a $65,000 salary, a single filer in Tennessee sees about $3,518 on payday and may get about $150 back at tax time.
What do OASDI and FICA mean on my Tennessee pay stub?
OASDI is Social Security tax: 6.2% of your wages up to $184,500 in 2026. FICA is Social Security plus Medicare (1.45% of all wages, plus 0.9% above $200,000), 7.65% in total for most workers.
How much of my paycheck goes to Social Security and Medicare?
Social Security takes 6.2% of your wages up to $184,500 in 2026, and Medicare takes 1.45% of all wages. Medicare adds another 0.9% on wages above $200,000.
Why is my real paycheck a little different?
Your employer withholds using the W-4 you filled in and IRS Publication 15-T. Extra withholding, a second job, dependents, or other benefits change the number. This calculator spreads your estimated yearly tax evenly across your paychecks.
Do you take home more in Tennessee or Georgia?
On a $65,000 salary, a single filer keeps about $2,495 a year more in Tennessee than in Georgia. Georgia: $51,913, Kentucky: $52,250, Mississippi: $52,540, North Carolina: $52,323; Tennessee: $54,408 (single filer, $65,000 salary, no pre-tax deductions, typical local tax where it applies).