Paycheck for Tennessee (2026)
Tennessee (TN) Key Facts
State Income Tax
0%
State Sales Tax
7%
Pay Frequency
Bi-weekly (most common)
Federal Withholding
Based on W-4 elections
How This Calculator Works in Tennessee
This calculator estimates your net paycheck in Tennessee accounting for federal taxes, FICA, and no state income tax. Enter salary and pay frequency to see take-home pay.
Tennessee Overview
Tennessee does not levy a state income tax, which means your paycheck is only reduced by federal income tax and FICA contributions. No state income tax withholding. Tennessee repealed its Hall Tax on investment income, making it fully income-tax-free.
How Tennessee Compares
Tennessee's 0% state income tax means larger paychecks compared to Kentucky (4%) and Virginia (5.75%). Differences compound over a full year.
| State | Top Rate | Notes |
|---|---|---|
| Kentucky | 4% | Kentucky has an income tax rate of 4%. |
| Virginia | 5.75% | Virginia has an income tax rate of 5.75%. |
| North Carolina | 4.5% | North Carolina has an income tax rate of 4.5%. |
Tennessee's income tax rate of 0% compares to a national average of approximately 5.04%. This is below the national average.
Tips for Tennessee Residents
- 1Tennessee has no state income tax, so your paycheck is not reduced by state withholding.
- 2No state income tax withholding. Tennessee repealed its Hall Tax on investment income, making it fully income-tax-free.
- 3Review your W-4 form each year to ensure federal withholding matches your actual tax liability.
- 4Pre-tax 401(k) and HSA contributions still reduce your federal taxable income and increase net pay.
- 5Even without state income tax, compare total cost of living including sales tax, property tax, and housing costs when evaluating take-home pay.
Frequently Asked Questions
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