Tennessee Income Tax Calculator
Calculate your total tax burden in Tennessee. See TN state income tax (no state income tax), federal tax, and FICA combined. Free, instant, private.
Tennessee Income Tax Calculator
Pre-filled with Tennessee median: $59,695
Your Total Tax Burden
$9,692
Take-Home: $50,003 · Effective Rate: 16.2%
Federal Tax
$5,125
8.6% eff.
TN State Tax
$0
No tax
FICA
$4,567
7.7% eff.
Take-Home
$50,003
83.8% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $59,695.00 | $4,974.58 |
| Federal Income Tax | -$5,124.90 | -$427.08 |
| Tennessee State Tax | $0.00 | $0.00 |
| Social Security (6.2%) | -$3,701.09 | -$308.42 |
| Medicare (1.45%) | -$865.58 | -$72.13 |
| Take-Home Pay | $50,003.43 | $4,166.95 |
Marginal Tax Rate
0%
TN state only
Effective Tax Rate
16.2%
All taxes combined
Tennessee Tax System Overview
Tennessee has no state income tax. Combined sales taxes average 9.55% — tied for the highest nationally. Property taxes are low at 0.66%. Borders eight states.
Top Income Tax
None
Property Tax
0.66%
Sales Tax (Avg)
9.55%
Median Income
$59,695
Other Taxes in Tennessee
Capital Gains Tax
No state tax on capital gains
Property Tax
Average effective rate of 0.66%. On a $300,000 home, this equals approximately $1,980 per year, or $165 per month.
Sales Tax
State rate of 7%, with a combined average of 9.55% including local taxes.
Filing Tips for Tennessee
No income tax is a major benefit. Be aware of very high combined sales tax. Low property taxes help offset. No estate or inheritance tax.
- Maximize pre-tax contributions to 401(k) ($23,500 limit in 2026, $31,000 if 50+) to reduce both federal and federal taxable income.
- Use an HSA if you have a high-deductible health plan. Contributions ($4,300 individual, $8,550 family) are pre-tax and reduce your tax burden.
- Take advantage of no state income tax. Consider investing your tax savings in a Roth IRA for tax-free growth, since you already benefit from no state tax on contributions.
Compare Tennessee to Nearby States
If you lived in a neighboring state instead, here is how your state tax would change on $59,695 income:
| State | Top Rate | State Tax | Difference |
|---|---|---|---|
| Tennessee | None | $0 | — |
| Kentucky | 4% | $2,261 | +$2,261 |
| Virginia | 5.75% | $2,715 | +$2,715 |
| North Carolina | 4.5% | $2,113 | +$2,113 |
| Georgia | 5.49% | $2,618 | +$2,618 |
Explore All 50 State Tax Calculators
Compare income tax rates, property taxes, and sales taxes across all US states and DC.
View All StatesRelated Tax Calculators
Frequently Asked Questions
What is the income tax rate in Tennessee?
Tennessee has no state income tax. Residents only pay federal income tax and FICA taxes (Social Security and Medicare). This makes Tennessee one of nine states with no income tax, along with Alaska, Florida, Nevada, New Hampshire, and others.
How much state tax will I pay in Tennessee on $59,695?
You would pay $0 in state income tax in Tennessee since there is no state income tax. Your total tax burden would only include federal income tax and FICA.
Does Tennessee tax capital gains?
No state tax on capital gains. Since there is no state income tax, capital gains are not taxed at the state level either.
How does Tennessee compare to neighboring states for taxes?
Tennessee's neighboring states include Kentucky (4% top rate), Virginia (5.75% top rate), North Carolina (4.5% top rate). As a no-income-tax state, Tennessee is among the most tax-friendly. Use the calculator above to compare your specific tax liability across states.