How it works
Enter your pay and what’s on your W-4 to see each paycheck after taxes in Tennessee. Federal income tax is figured with the IRS percentage method for 2026, the same tables payroll software uses, plus Social Security (6.2%) and Medicare (1.45%).
Tennessee doesn't tax wages, so no state income tax comes out of your paycheck.
Traditional 401(k) and 403(b) contributions lower your federal income tax but not Social Security and Medicare. Pre-tax health insurance and HSA payroll contributions lower all of them.
Withholding is an estimate of your tax, paid as you go. Whether you get a refund depends on your full-year income, deductions and credits; the tax refund calculator estimates that. To compare states, use the paycheck calculator.
Formula
Take-home = gross pay − federal withholding − Social Security − Medicare − pre-tax deductions
Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods: percentage method tables
- IRS Publication 15 (2026), Employer’s Tax Guide: social security wage base and Medicare
- Tennessee Department of Revenue: Hall Income Tax - Due Date and Tax Rates
- TACIR Dec. 2022 Personal Property report (reproduces Tenn. Const. Art. II, Sec. 28)
- IRS Tax Tip: Many taxpayers may be able to file their state tax return using IRS Free File (Feb. 2023)
Questions people ask
How much state tax comes out of a $60,000 salary?
None. Tennessee has no income tax on wages. On a $60,000 salary paid every two weeks, a single filer takes home about $1,938.08 per paycheck after federal income tax, Social Security and Medicare.
Does Tennessee have local income taxes?
No. Tennessee cities and counties don’t tax wages, so your paycheck has only federal withholding.
Why is my real paycheck different?
Employers round to the cent or dollar, some benefits change which wages are taxed, and bonuses are often withheld at a flat supplemental rate. Social Security also stops for the year once your wages pass $184,500. Use your pay stub to check, and this page to see how a change would affect it.