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.
The state of Tennessee has no state income tax in 2026, making it one of nine no-income-tax US states. Residents only pay federal income tax (10% to 37% across 7 brackets) plus FICA (Social Security 6.2% up to $$176,100 wage base, Medicare 1.45%). Property tax averages 0.66% and combined state + local sales tax averages 9.55%. No income tax (Hall Tax repealed 2021). Highest combined sales tax (tied 9.55%). Low property taxes.
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 ($4,400 individual, $8,750 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.
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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.
What is the Tennessee state income tax filing deadline for 2026?
Tennessee has no state income tax, so there is no state filing deadline. Residents only need to file federal Form 1040 by April 15, 2026 (or October 15, 2026 with extension).
Does Tennessee tax retirement income, Social Security, and pensions?
Tennessee does not tax retirement income, Social Security benefits, or pension distributions because there is no state income tax. This makes Tennessee attractive for retirees seeking tax-friendly states alongside Florida, Nevada, Texas, Tennessee, and others.
What deductions and credits are unique to Tennessee in 2026?
Since Tennessee has no state income tax, no state-level deductions or credits apply. However, Tennessee residents can still claim federal deductions including the standard deduction ($15,000 single / $30,000 married for 2026), itemized deductions, and federal tax credits like Child Tax Credit and EITC.
If I work remotely in Tennessee for an out-of-state employer, what tax do I pay?
As a Tennessee resident working remotely for an out-of-state employer, you generally pay tax to your work-state's jurisdiction (sometimes called "convenience of employer rule"), then claim a credit on Tennessee... but since Tennessee has no income tax, there is nothing to credit. Net effect: you pay only the work-state's tax. NY, PA-Philadelphia, OH-Cincinnati apply convenience-of-employer rules — verify with employer.