# Tennessee paycheck calculator (2026)

Tennessee W-2 employees (Hall tax is gone) checking federal and FICA take-home with no state wage tax.

Tennessee does not levy a state individual income tax on wages or salaries in 2026. A Tennessee paycheck still has federal income tax withheld using the IRS 2026 brackets, plus employee Social Security (6.2% up to the $184,500 wage base) and Medicare (1.45%, and 0.9% additional Medicare above the filing-status threshold).

Because there is no state wage tax, two people with the same salary, filing status, and 401(k) deferral will see the same Takehome Cash estimate in Tennessee as in other no-tax states (Alaska, Florida, Nevada, South Dakota, Texas, Washington, and Wyoming — plus New Hampshire and Tennessee, which also do not tax wages). Differences show up when you change filing status, pretax benefits, or extra federal withholding.

Use the calculator to compare pay frequencies (hourly through annual), pretax 401(k) as a percent or a dollar amount per paycheck, and optional extra federal withholding. Last reviewed against IRS, SSA, and Tax Foundation 2026 publications on August 23, 2026. Tennessee does not tax wage or salary income (Hall tax fully repealed).

Figures are for tax year 2026. If your employer uses a different state withholding method (percentage method vs. wage-bracket tables), your live paycheck can differ by a few dollars even when annual liability is similar.

## Tax model notes

- Kind: none
- Tennessee does not tax wage or salary income (Hall tax fully repealed).


## Sample estimate ($80,000 single, no 401(k))

- Gross: $80,000.00
- Federal income tax: $8,770.00
- Social Security: $4,960.00
- Medicare: $1,160.00
- State income tax: $0.00
- Net / take-home: $65,110.00 (effective tax 18.6%)
- Per paycheck net: $65,110.00 (1 periods)

Label: engine estimate, not a pay stub.

## FAQ

### Does Tennessee have a state income tax on wages?

No. Tennessee does not tax wage and salary income at the state level in 2026. You still have federal income tax, Social Security, and Medicare withheld.

### What Tennessee income tax rate does this calculator use for 2026?

0% on wages. Tennessee does not tax wage or salary income (Hall tax fully repealed).

### Is this my actual take-home pay?

No. It is an estimate of typical W-2 withholding. It omits local taxes (except a note on New York City), most credits (including the federal Child Tax Credit), unemployment insurance, wage-garnishment, and employer-specific benefits. Use it to plan, not to file.

### Does a 401(k) contribution reduce Social Security tax?

Usually no. Traditional 401(k) deferrals reduce federal (and often state) taxable wages, but they remain subject to Social Security and Medicare. Pre-tax health insurance premiums under a cafeteria plan generally reduce FICA wages as well.

## Related

- [Georgia](https://takehomecash.com/georgia-paycheck-calculator/index.md)
- [Alabama](https://takehomecash.com/alabama-paycheck-calculator/index.md)
- [North Carolina](https://takehomecash.com/north-carolina-paycheck-calculator/index.md)
- [Kentucky](https://takehomecash.com/kentucky-paycheck-calculator/index.md)