2026 tax year · Tennessee
Tennessee paycheck calculator
Tennessee has no state income tax, so a self-employed worker there owes only federal income tax and self-employment tax on their 1099 income.
What lands, per paycheck
On $75,000 in Tennessee, $61,593 a year survives everything withheld, $5,133 a month, or $2,369 in each of 26 fortnightly paychecks. The gap between that and the $2,885 a fortnight the salary implies is $516 per paycheck.
Everything that comes out of a paycheck in Tennessee
A single filer taking the standard deduction, at three salaries. Every line the employer withholds is in the total:
| Gross salary | Federal | FICA | Tennessee | Take-home | Rate |
|---|---|---|---|---|---|
| $45,000 | $3,220 | $3,443 | $0 | $38,338 | 14.8% |
| $75,000 | $7,670 | $5,738 | $0 | $61,593 | 17.9% |
| $120,000 | $17,570 | $9,180 | $0 | $93,250 | 22.3% |
What else comes out of a paycheck in Tennessee
Tennessee draws a sharp line by entity type. A sole proprietor faces only the gross-receipts business tax, and only after $100,000 of gross receipts in a county or city (a minimal activity license covers the $3,000 to $100,000 range; the business tax itself has a $22 minimum). Form an LLC, though, even a single-member LLC, and the franchise and excise taxes apply: 0.25% of net worth with a $100 minimum, plus 6.5% of Tennessee taxable income. In Tennessee, staying unincorporated is itself a tax decision.
The state sales tax is 7%, among the highest state rates in the country, plus local rates.
Take-home in the states Tennessee borders
On $75,000, Tennessee charges $0 of state income tax. Of the 8 states it borders, Kentucky is the lightest at $2,625 and Virginia the most expensive at $4,055, a spread of $1,430 on the same income.
| State | State tax on $75,000 | vs Tennessee |
|---|---|---|
| Kentucky | $2,625 | +$2,625 |
| Arkansas | $2,848 | +$2,848 |
| North Carolina | $2,993 | +$2,993 |
| Mississippi | $3,000 | +$3,000 |
| Missouri | $3,430 | +$3,430 |
| Alabama | $3,710 | +$3,710 |
| Georgia | $3,893 | +$3,893 |
| Virginia | $4,055 | +$4,055 |
- Kentucky would take $2,625 more, $2,625 against Tennessee's $0.
- Arkansas would take $2,848 more, $2,848 against Tennessee's $0.
- North Carolina would take $2,993 more, $2,993 against Tennessee's $0.
- Mississippi would take $3,000 more, $3,000 against Tennessee's $0.
- Missouri would take $3,430 more, $3,430 against Tennessee's $0.
- Alabama would take $3,710 more, $3,710 against Tennessee's $0.
- Georgia would take $3,893 more, $3,893 against Tennessee's $0.
- Virginia would take $4,055 more, $4,055 against Tennessee's $0.
If you live on one side of the Tennessee state line and work on the other, which state taxes your wages depends on whether the two have a reciprocity agreement.
What this estimate assumes
- Single filer taking the federal standard deduction of $16,100; the calculator supports the other three statuses.
- No pre-tax deductions, a 401(k), HSA or health premium taken from gross pay would lower every tax line.
- Employee-side FICA only (7.65%). Your employer pays a matching share you never see.
- No local or municipal income tax, and no state disability withholding beyond what is described above.
- No credits, and no state-specific credits.