Tennessee Paycheck Calculator
From gross salary to the number that actually hits your bank account
Tennessee is one of the most paycheck-friendly states in the country: there is no state income tax on wages, salaries, or self-employment income as of 2025. The old Hall Income Tax — which taxed interest and dividend income — was fully repealed effective January 1, 2021, making Tennessee a true zero-income-tax state for all types of earned income.
What does that mean for your paycheck? Your employer withholds no state income tax from your wages. The deductions you do see come entirely from federal sources:
- Federal income tax (progressive brackets; a single filer earning $75,000 pays an effective federal rate of roughly 16–17%)
- Social Security tax: 6.2% on wages up to $176,100 (2025 wage base)
- Medicare tax: 1.45% on all wages (plus 0.9% Additional Medicare Tax on earnings above $200,000 for single filers)
Worked example — $75,000 annual salary, single filer, standard deduction:
- Gross salary: $75,000
- Federal income tax (est.): ~$12,000
- Social Security (6.2%): $4,650
- Medicare (1.45%): $1,088
- Tennessee state income tax: $0
- Estimated take-home:
$57,262/year ($4,772/month)
Compared to a state with a 5% flat income tax, a Tennessee resident earning $75,000 keeps roughly $3,750 more per year. Use this calculator to adjust for your filing status, pre-tax contributions (401k, health insurance), and pay frequency to get a personalized estimate. Results are for planning purposes only and do not constitute tax advice.
Practical example — Tennessee
A single Tennessee resident earning $75,000 per year takes home approximately $57,200 annually (about $4,767/month) after federal income tax and FICA — with zero state income tax withheld from any paycheck.
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❓ Frequently asked questions
Does Tennessee have a state income tax?
No. As of January 1, 2021, Tennessee does not levy any state income tax on wages, salaries, or earned income. The Hall Income Tax on interest and dividends was fully repealed at that date. Tennessee workers owe $0 in state income tax on their paychecks.
How much is taken out of a paycheck in Tennessee?
For a Tennessee employee, only federal taxes are withheld: federal income tax (based on your W-4 allowances and filing status), Social Security at 6.2%, and Medicare at 1.45%. There is no state income tax withholding. On a $75,000 salary, a single filer typically takes home around $57,000–$58,000 per year after all federal deductions.
Did Tennessee always have no income tax?
No. Tennessee previously taxed interest and dividend income under the Hall Income Tax (named after Senator Frank Hall). The legislature voted to phase it out over six years, and it was fully eliminated on January 1, 2021. Wages and salaries were never taxed under the Hall Tax — so workers have effectively paid no state income tax on earned income for decades.
How does Tennessee compare to other no-income-tax states?
Tennessee joins eight other states with no personal income tax on wages: Alaska, Florida, Nevada, New Hampshire, South Dakota, Texas, Washington, and Wyoming (New Hampshire still taxes some investment income as of 2025). Among these, Tennessee stands out for having very high sales taxes, which is how the state funds services instead of taxing income.
Do I still owe federal taxes if I live in Tennessee?
Yes. Federal income tax, Social Security, and Medicare are owed regardless of your state of residence. Tennessee's zero state income tax does not affect your federal tax obligations. Your employer withholds federal taxes the same way as in any other state.