Tennessee Paycheck Calculator 2026

A Tennessee paycheck is one of the leanest in the country when it comes to deductions, because there is no state income tax line to subtract. What actually leaves your gross pay is federal: income tax withheld according to the W-4 you handed your employer, Social Security at 6.2% on wages up to the $184,500 wage base, and Medicare at 1.45% on every dollar with no ceiling. High earners add another 0.9% Medicare surtax once wages clear the IRS threshold.

Tennessee also runs no state disability insurance and no paid-family-leave premium, so those payroll lines that appear on California or New Jersey stubs are simply absent here. That leaves your federal withholding as the main lever you control. A traditional 401(k) deferral, capped at $24,500, or a pre-tax health premium shrinks the wages federal income tax is figured on, while Roth contributions come out after tax. Because nothing is skimmed for the state, a worker in Knoxville or Chattanooga keeps a visibly larger slice of the same salary than someone in a state that withholds 4% or 5% off the top.

Tennessee is one of 9 states with no personal income tax, so a $60,000 salary keeps the roughly $3,000 a year that a typical 5% state would take. What remains on your stub is federal withholding plus $4,590 of FICA — identical everywhere — which is why Tennessee paychecks are simpler to predict than most.

The state minimum wage is $7.25/hr , matching the federal floor of $7.25 — about $15,080 a year at 40 hours a week. There is no state disability or paid-family-leave deduction, so nothing beyond income tax and FICA comes out at the state level.