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Tennessee Take-Home Pay Calculator

Calculate your actual take-home pay in Tennessee after federal tax, Tennessee state tax, Social Security, Medicare, and deductions. Tennessee has no state income tax on wages, salaries, or investment income.

Annual Salary

Filing Status

State

401(k) Contribution: 0%

Monthly Health Insurance Premium

Annual Breakdown

Gross Salary

$65,000

Federal Income Tax

-$5,760

State Income Tax

-$0

Social Security (FICA)

-$4,030

Medicare

-$943

Annual Take-Home Pay

$54,268

Monthly Summary

Monthly Gross

$5,417

Total Deductions

-$894

Monthly Take-Home

$4,522

Effective Tax Rate(all deductions)

16.5%

Where Your Money Goes

See your complete financial picture

Your take-home is $4,522/month. See how it flows through your budget, savings, investments, and more over time.

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Tennessee Tax Overview

Tennessee has no state income tax on wages, salaries, or investment income. Tennessee fully eliminated its Hall tax on investment income in 2021.

No state income tax (any type)High sales tax (7%)Booming Nashville job marketMajor corporate relocations

Understanding Your Take-Home Pay in Tennessee

If you work in Tennessee, your take-home pay is affected by a combination of federal taxes and Tennessee-specific taxes and deductions. Here's what Tennessee residents and workers need to know about their paycheck.

Tennessee Income Tax

Tennessee has no state income tax on wages, salaries, or investment income. Tennessee fully eliminated its Hall tax on investment income in 2021.

Cost of Living in Tennessee

Tennessee's cost of living is about 7% below the national average, with Nashville growing more expensive. When evaluating your Tennessee take-home pay, consider how far your paycheck goes based on local costs for housing, food, transportation, and healthcare.

Financial Tips for Tennessee Residents

No state income tax on any income type — Tennessee is one of the most tax-friendly states
Nashville's booming healthcare, music, and tech industries offer competitive salaries
Tennessee has a relatively high sales tax (7%) — factor this into your cost of living
Tennessee's no-tax status has attracted many corporate relocations and remote workers

Key Tennessee Tax Features

No state income tax (any type)
High sales tax (7%)
Booming Nashville job market
Major corporate relocations

See How Your Tennessee Take-Home Pay Builds Wealth

This calculator shows your Tennessee paycheck. Trajectoryy's full simulator shows how that paycheck flows through your entire financial life — savings, investments, loans, retirement, and more.

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Compare Tennessee with Other States

Kentucky4% top rate Virginia5.75% top rate North Carolina4.5% top rate California13.3% top rate New York10.9% top rate New Jersey10.75% top rate

Frequently Asked Questions

What is the income tax rate in Tennessee?

Tennessee has no state income tax. Residents pay only federal income tax, FICA, and Medicare on their wages and salaries.

How much will I take home from a $75,000 salary in Tennessee?

Your take-home pay from a $75,000 salary in Tennessee depends on your filing status and deductions. Use the calculator above to get your exact Tennessee take-home pay. As a rough estimate, single filers in Tennessee with no state income tax typically take home 70-80% of their gross salary.

Does Tennessee tax Social Security benefits?

This varies by state. Check the Tennessee tax overview section above for details on Social Security taxation. At the federal level, up to 85% of Social Security benefits may be taxable depending on your combined income.

How does Tennessee's tax rate compare to other states?

Tennessee is one of only 9 states with no state income tax, making it one of the most tax-friendly states for workers. Compare with states like California (13.3% top rate) or New York (10.9% top rate) to see the difference.

What payroll taxes does Tennessee have besides income tax?

In addition to federal FICA (6.2%) and Medicare (1.45%), some states have additional payroll taxes such as State Disability Insurance (SDI), Paid Family and Medical Leave (PFML), and other state-specific levies. The calculator above automatically includes any Tennessee-specific payroll taxes in your calculation.

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