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Tennessee Paycheck Calculator 2026

Estimate your 2026 Tennessee take-home pay from salary or hourly wages. Tennessee has no state or local income tax, so this calculator focuses on what does come out: federal W-4 withholding, Social Security, Medicare and your pre-tax and post-tax deductions. It also handles hourly pay and overtime after 40 hours a week.

Written by Rachel Brooks, Tax Forms and W-2 Content Specialist. Updated September 25, 2026. Every example is checked by hand against IRS Publication 15-T.

Calculate Take-Home Pay TN Payroll Guide
Gross pay$2,307.69
Pay frequencyBiweekly
Taxes & deductionsCurrent
Federal income tax$193.08
Social Security + Medicare$176.54
Tennessee income tax$0.00
Estimated net pay$1,938.07

Example: $60,000 salary, paid biweekly, federal Single, no voluntary deductions. Use the calculator below for your own numbers.

No Tennessee income taxNo state or local wage tax line
Federal W-4 + FICA2026 brackets, $184,500 wage base
Salary or hourlyWeekly, biweekly, semimonthly and monthly pay

Tennessee Paycheck Calculator

Pay details
Pay details
Pay type
$
Federal Form W-4
Federal Form W-4
$
$
$
$

Need the form itself? Use our Form W-4 generator.

Tennessee payroll
Tennessee payroll

Tennessee doesn't tax wages, so there's no state withholding form to fill in. Enter overtime hours (after 40 in a week) in the hourly overtime field.

Deductions
Deductions
$
$
$
Advanced payroll fields
$
$
2026 calculation methodology

Federal withholding uses the 2026 federal brackets and standard deduction for your Form W-4 filing status, with Step 2(c), Step 3 and Step 4 inputs. Tennessee has no state or local income tax, so no Tennessee amount is withheld. Social Security is 6.2% up to $184,500 and Medicare is 1.45%, plus 0.9% above $200,000. Employer-paid Tennessee unemployment insurance never comes out of your pay. See the worked example and test cases below.

What You Should Know About Tennessee Paychecks

Tennessee doesn't tax wages, and neither does any Tennessee city or county. The only taxes withheld from a Tennessee paycheck are federal income tax, Social Security and Medicare, so a $60,000 salary paid biweekly keeps $1,938.07 of each $2,307.69 check.

All eight of Tennessee's neighbors tax wages, which matters if you commute. Work done in Tennessee is free of state income tax; work done across the line usually isn't.

Tennessee follows the federal $7.25 minimum wage and federal overtime rules. Unemployment insurance is paid by employers only.

$0 State income tax

No state or local wage tax in 2026.

$7.25 2026 minimum wage

Federal rate; no state law.

84% Kept at $60,000

$1,938.07 of each biweekly check.

Tennessee Paycheck Taxes at a Glance

Here's everything that can come out of a Tennessee paycheck in 2026 and which payroll taxes the employer pays instead. For more on the federal lines, see our FICA tax guide.

Tennessee employee paycheck items in 2026
Paycheck item 2026 treatment Employee deduction?
Federal income taxBased on wages, pay frequency and Form W-4Yes
Social Security6.2% up to the 2026 wage base of $184,500Yes
Medicare1.45% of all wages, plus 0.9% Additional Medicare above $200,000Yes
Tennessee income taxNone; the Hall tax on investment income also ended in 2021No
Local income taxNone; no Tennessee city or county taxes wagesNo
State disability or paid leaveNone in TennesseeNo
Unemployment insuranceEmployer-paid on the first $7,000 of each worker's wagesNo

How Much More You Keep in Tennessee

Tennessee borders eight states, and every one of them taxes wages. Here's the same $60,000 biweekly paycheck, filing single, run through our other state calculators with their default settings.

State tax on a $60,000 salary, biweekly, single (2026)
State State tax per paycheck State tax per year
Tennessee$0.00$0
Virginia$101.38$2,636
Alabama$96.50$2,509
Georgia$86.37$2,246
Kentucky (no local tax)$76.25$1,983
North Carolina$74.00$1,924
Missouri$72.00$1,872
Arkansas$66.65$1,733
Mississippi$64.00$1,664
Keep the whole picture in mind: Tennessee makes up the revenue with one of the highest combined sales tax rates in the country. And the savings only apply to work done in Tennessee: live in Memphis and work in Southaven, and Mississippi taxes those wages.

Crossing State Lines for Work

Tennessee has no reciprocal agreements because it has nothing to reciprocate. What matters is where you work and where you live.

How border commutes are taxed (2026)
You live in You work in State tax withheld What you file
TennesseeTennesseeNoneFederal return only
TennesseeKentucky, Georgia, Virginia or another neighborThe work state's taxA nonresident return in the work state; no Tennessee return
Kentucky, Georgia, Virginia or another neighborTennesseeNone by Tennessee; ask for home-state withholdingYour home state's resident return on all wages
TennesseeRemote for an out-of-state employerUsually noneMost states tax only work done inside their borders
A common surprise: Kentucky and Georgia residents working in Clarksville or Chattanooga often find nothing withheld for their home state, because the Tennessee employer isn't registered there. If that's you, ask payroll to withhold for your home state, or make estimated payments.

Tennessee Taxes Your Employer Pays

No income tax doesn't mean no payroll tax. Tennessee employers pay unemployment insurance on your wages, and it can't be taken out of your check.

Tennessee employer payroll costs in 2026
Tax or program 2026 rule Shows on your pay stub?
Unemployment insurancePaid on the first $7,000 of each worker's wagesSometimes as an employer line, never as a deduction
Federal unemployment (FUTA)0.6% on the first $7,000 after the state creditNo
Social Security and Medicare match7.65% employer shareSometimes as an employer line
Spot a problem? If a Tennessee pay stub shows a state income tax or unemployment deduction taken from your pay, ask your payroll team. It's usually a setup error, such as a neighboring state's code on a Tennessee worker.

Tennessee Salary Calculator: Take-Home Pay Examples for 2026

Biweekly pay and no pre-tax deductions. Single filers use federal Single; married filers use Married Filing Jointly with one income. To convert pay first, use our salary to hourly calculator, or model a raise with the pay raise calculator.

Tennessee take-home pay by annual salary (biweekly, 2026)
Annual salary Single annual net Single avg. monthly net Married annual net Married avg. monthly net
$30,000$26,285$2,190$27,705$2,309
$40,000$34,320$2,860$36,160$3,013
$50,000$42,355$3,530$44,395$3,700
$60,000$50,390$4,199$52,570$4,381
$75,000$61,592$5,133$64,622$5,385
$100,000$79,180$6,598$84,710$7,059
$120,000$93,250$7,771$100,780$8,398
$150,000$113,791$9,483$123,185$10,265

What Comes Out of a Tennessee Paycheck by Salary

With no state tax, all withholding is federal. Here's the total per biweekly paycheck and the share of gross pay you keep, filing single.

Tennessee paycheck taxes by salary, biweekly, single (2026)
Salary Gross per paycheck Federal income tax Total taxes Share you keep
$30,000$1,153.85$54.62$142.8987.6%
$40,000$1,538.46$100.77$218.4685.8%
$50,000$1,923.08$146.92$294.0384.7%
$60,000$2,307.69$193.08$369.6284.0%
$75,000$2,884.62$295.00$515.6882.1%
$100,000$3,846.15$506.54$800.7779.2%
$120,000$4,615.38$675.77$1,028.8477.7%
$150,000$5,769.23$951.31$1,392.6575.9%

How to Calculate Your Tennessee Paycheck

A Tennessee paycheck goes from gross pay to take-home pay in four steps, and the last one is simple because there's no state tax.

1

Calculate gross pay

Divide salary by pay periods, or multiply the hourly rate by regular hours and add overtime at 1.5 times the rate after 40 hours a week.

4

Finish Tennessee take-home pay

There's no Tennessee state or local income tax, so subtract any post-tax deductions and you have your take-home pay.

Tennessee Paycheck Worked Example: $60,000 Salary, Biweekly

Here's the paycheck at the top of this page run by hand: a $60,000 salary, federal Single, biweekly pay and no pre-tax deductions. Federal withholding follows IRS Publication 15-T for 2026.

Step-by-step 2026 Tennessee paycheck on a $60,000 biweekly salary
Step Calculation Result
1. Gross pay$60,000 divided by 26$2,307.69
2. Annualize for federal tax$2,307.69 times 26, minus the $8,600 single adjustment$51,399.94
3. Federal tax$1,240 plus 12% of $31,499.94 (the amount over $19,900)$5,020.00 per year, $193.08 per paycheck
4. Social Security$2,307.69 times 6.2%$143.08
5. Medicare$2,307.69 times 1.45%$33.46
6. Tennessee taxNo state or local income tax$0.00
What it means for take-home pay: Gross pay of $2,307.69 minus $193.08 federal income tax, $143.08 Social Security and $33.46 Medicare leaves $1,938.07.

Tennessee Minimum Wage and Overtime in 2026

Tennessee has no state minimum wage law, so the federal Fair Labor Standards Act sets the floor for covered employers.

Tennessee minimum wage and pay rules
Rule Amount or requirement What it means for a paycheck
Minimum wage (federal)$7.25 an hour$290 weekly gross at 40 hours; $267.81 take-home
Tipped employees (federal)$2.13 an hour cash wageTips must bring pay to at least $7.25
$15 an hour example40 hours a week$600 weekly gross; $524.02 take-home
Overtime1.5 times the regular rate after 40 hours a week; no daily overtimeEnter overtime hours in hourly mode
Overtime example: $20 an hour for 80 regular and 10 overtime hours is $1,900 gross, and take-home pay is $1,610.50. To total a week of punches first, use our time card calculator with overtime.

For more on how deductions change taxable wages, see our pre-tax vs. post-tax deductions guide.

Tennessee Paycheck Tax Calculator: How Tennessee Payroll Works

A Tennessee paycheck calculator is really a federal calculator with Tennessee pay rules on top. Your stub should show federal income tax, Social Security and Medicare, and nothing for state withholding (SIT). Our pay stub abbreviations list explains the codes you'll see.

Federal Withholding for Tennessee Paychecks

Federal withholding uses your Form W-4 and the 2026 federal brackets. The calculator supports filing status, Step 2(c), Step 3 credits and Step 4(a), 4(b) and 4(c). If you claim the new overtime or tips deductions, our W-4 Step 4(b) worksheet guide shows how to enter them, and our 2026 federal tax withholding guide covers the rest. For tipped restaurant and hospitality workers, the new federal tips deduction can make a real difference.

Working Across State Lines

Tennessee residents who work in Kentucky, Georgia, Mississippi or any other neighbor owe that state's tax on those wages. People who live in a neighboring state and work in Tennessee owe no Tennessee tax, but their home state taxes the wages. See the border table above for how each case is withheld.

Bonuses

Only federal taxes apply to Tennessee bonuses. A bonus paid separately usually gets a flat 22% federal withholding plus FICA. See why bonuses are taxed so high.

Why Your Actual Tennessee Paycheck May Differ

This calculator is a close estimate, not your employer's payroll run. Your W-4 on file, benefit elections, overtime hours, year-to-date wages and a 27th biweekly payday in some years can all move the result a little. Three-paycheck months change monthly cash flow but not the tax on each check. For a full checklist, see why your paycheck is lower than expected. At year-end, our W-2 form generator can use the same totals.

Official 2026 Tennessee Payroll Sources

Payroll facts on this page are checked against the Tennessee Department of Labor and Workforce Development UI tax rates page, the Tennessee Department of Revenue, the U.S. Department of Labor state minimum wage page and IRS Publication 15-T for 2026. Reviewed September 25, 2026.

Tennessee Paycheck Calculator by Pay Frequency

This page also works as a weekly, biweekly, semimonthly or monthly Tennessee payroll calculator. The annual salary stays the same, but gross pay and withholding on each check change with the number of pay periods. See our pay period guide for how the schedules differ.

52Weekly$969.04 net
26Biweekly$1,938.07 net
24Semimonthly$2,099.58 net
12Monthly$4,199.17 net
1Annual$50,390 net
Figures use a $60,000 salary, federal Single and no voluntary deductions. Tennessee tax is $0 at every pay frequency.

How We Test This Tennessee Paycheck Calculator

Every scenario below was run through the calculator on this page on September 25, 2026 and checked by hand against IRS Publication 15-T for 2026. Tennessee tax is $0 in every case. Scenarios are biweekly unless noted.

Tennessee paycheck test cases, checked September 25, 2026 (per paycheck)
Scenario Gross pay Federal income tax Take-home pay
$30,000, single$1,153.85$54.62$1,010.96
$60,000, single$2,307.69$193.08$1,938.07
$60,000, head of household$2,307.69$151.85$1,979.30
$60,000, Married Filing Jointly$2,307.69$109.23$2,021.92
$60,000, $150 401(k)$2,307.69$175.08$1,806.07
$60,000, $100 Section 125$2,307.69$181.08$1,857.72
$45,000, Head of Household, $2,200 W-4 credit$1,730.77$0.00$1,598.36
$100,000, single$3,846.15$506.54$3,045.38
$150,000, single$5,769.23$951.31$4,376.58
$60,000, weekly$1,153.85$96.54$969.04
$60,000, monthly$5,000.00$418.33$4,199.17
$20 an hour, 80 hours plus 10 overtime$1,900.00$144.15$1,610.50
$25 an hour, 40 hours plus 5 overtime, weekly$1,187.50$100.58$996.07
$7.25 an hour, 40 hours, weekly$290.00$0.00$267.81
Update log: September 25, 2026: rewrote this page. The old version listed the wrong minimum wage ($14 rising to $15 on September 30) and called unemployment insurance a "reemployment tax"; Tennessee follows the federal $7.25 and its program is unemployment insurance. We moved the page to our current layout and added a comparison with all eight neighboring states, a border-commute guide, employer-paid taxes, a salary table, a worked example and the test cases above. We re-check this page whenever the IRS or Tennessee agencies publish new figures, and at least once a year each January.

2026 Tax Data This Calculator Uses

Here's every rate and limit behind the numbers on this page and where it comes from, so you can check them yourself.

Tax rates and limits used by the Tennessee paycheck calculator
Item 2026 value used Source
Federal income tax withholding2026 brackets and standard deductions for Form W-4IRS Publication 15-T (2026)
Social Security6.2% up to $184,500 in wagesSocial Security Administration
Medicare1.45% of all wages, plus 0.9% above $200,000IRS Publication 15 (2026)
Tennessee income taxNoneTennessee Department of Revenue
Unemployment insuranceEmployer-paid on the first $7,000TN Department of Labor and Workforce Development
Minimum wage and overtime$7.25 federal; overtime after 40 hoursU.S. Department of Labor
Spotted something that looks wrong? Tell us through the editorial contact form with the inputs you used, and we'll re-check the calculation. This page is written by Rachel Brooks and follows the research and review process on our editorial team page. ePayStubs isn't affiliated with the IRS or the State of Tennessee.

Tennessee Paycheck Calculator FAQ

Does Tennessee have a state income tax?
No. Tennessee doesn't tax wages, and since the Hall tax on interest and dividends ended in 2021 it has no personal income tax at all. No Tennessee city or county taxes wages either. The only taxes withheld from a Tennessee paycheck are federal income tax, Social Security and Medicare.
How much tax is taken out of a Tennessee paycheck?
On a $60,000 salary paid biweekly, filing single, $369.62 comes out of each $2,307.69 paycheck: $193.08 federal income tax, $143.08 Social Security and $33.46 Medicare. That leaves $1,938.07, or about 84% of gross pay.
What is Tennessee's minimum wage in 2026?
Tennessee has no state minimum wage law, so the federal $7.25 an hour applies to covered employers. Tipped employees can be paid $2.13 an hour if tips bring them to $7.25.
Does Tennessee have daily overtime?
No. Tennessee follows federal law: time and a half after 40 hours in a workweek, with no daily overtime.
Is there a Tennessee tax on my paycheck for unemployment?
No. Tennessee unemployment insurance is paid by employers on the first $7,000 of each worker's wages. It can't be taken out of your pay.
I live in Tennessee but work in another state. Which taxes apply?
The state where you work can tax those wages. If you live in Tennessee and work in Kentucky, Georgia, Virginia or another neighbor with an income tax, your employer withholds that state's tax, and Tennessee has no income tax to credit it against. Work done in Tennessee stays free of state income tax.
I live in Kentucky or Georgia and work in Tennessee. Do I owe state tax?
Not to Tennessee. But your home state taxes all your income, so a Kentucky or Georgia resident working in Nashville, Clarksville or Chattanooga still owes home-state tax on those wages and usually needs that state's withholding or estimated payments.
How are bonuses taxed in Tennessee?
Only federal taxes apply. Bonuses paid separately usually get a flat 22% federal withholding, plus 6.2% Social Security and 1.45% Medicare. There's no Tennessee withholding on bonuses.
Are 401(k) contributions pre-tax in Tennessee?
Yes, for federal income tax. A $150 biweekly 401(k) contribution on a $60,000 salary cuts federal withholding from $193.08 to $175.08. With no state tax, there's no state saving on top.
Why does Tennessee have no income tax?
Tennessee relies mainly on sales tax instead. Its combined state and local sales tax rate is among the highest in the country, so part of the paycheck advantage goes back out at the register.
How do I calculate take-home pay in Tennessee?
Start with gross pay, including overtime. Subtract pre-tax deductions, then federal withholding from your W-4, 6.2% Social Security up to $184,500 and 1.45% Medicare. Subtract post-tax deductions to get take-home pay. There's no state step.

Tennessee Payroll Resources

Tennessee Paystub Generator

Create a Tennessee pay stub with federal tax, FICA and deductions.

Form W-4 Generator

Prepare the federal withholding form behind your paycheck calculation.

W-2 Form Generator

Create a W-2 from year-end wage and withholding totals.

Helpful Guides

FIT on a Pay StubFederal withholding explained Gross Pay vs Net PayUnderstand the difference FICA Tax ExplainedSocial Security and Medicare Pre-Tax vs Post-TaxHow deductions change take-home pay

Ready to put your Tennessee numbers on a pay stub?

Use the same gross pay, federal tax, FICA and deduction details with our paystub generator to create a Tennessee pay stub.

Build My Tennessee Pay Stub

Written by: Rachel Brooks, Tax Forms and W-2 Content Specialist. Last updated: September 25, 2026. Checked against IRS Publication 15-T (2026), the Tennessee Department of Labor and Workforce Development, the Tennessee Department of Revenue and the U.S. Department of Labor.

Disclaimer: Estimates are for educational use and aren't tax or legal advice. Actual payroll withholding depends on the employee's Form W-4, year-to-date wages, benefits, deductions and employer payroll system. For more Tennessee payroll details, see our Tennessee Payroll Guide.

Official sources: TN UI tax rates · TN Department of Revenue · U.S. DOL minimum wage · IRS Publication 15-T (2026). Reviewed September 25, 2026.

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