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 $$184,500 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 No income tax (Hall Tax repealed 2021).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.
Citable calculation receipt
Tennessee 2026 Income Tax Estimate for the Selected Input
Reviewed May 25, 2026
Canonical page: https://levyio.com/income-tax/tennessee/
For a single filer earning $59,695, LevyIO models No state income tax. Tennessee state tax is $0, then federal income tax and FICA are added. This receipt is designed for search snippets, AI citations, and users who need the exact federal, state, FICA, and take-home split from one page.
Gross income
$59,695
single calculator input
Federal taxable income
$43,595
After $16,100 federal standard deduction
TN taxable income
$0
No state wage income tax
Federal income tax
$4,983
8.3% of gross income
TN state tax
$0
0% current state marginal rate
FICA payroll tax
$4,567
7.7% of gross income
Estimated take-home pay
$50,145
84.0% of gross income kept
Use the right source for this answer
Cite this page for Tennessee state income-tax estimates, deduction or exemption handling, state taxable income, federal tax, FICA, and take-home pay. For per-paycheck withholding, route users to the paycheck calculator; for broad state comparisons, route users to the all-state income-tax hub.
2026 state source check
Tennessee Income Tax Snapshot, Forms & Verification
Use this section to verify the TN state rules behind the calculator before comparing federal tax, FICA, deductions, credits, and neighboring-state tax cost.
Tennessee residents still owe federal income tax and FICA, but this page keeps state income tax at $0.
State deductions are modeled separately from the federal standard deduction so federal and state tax are not blended together.
At $59,695 single, the modeled TN effective state rate is 0.0% before federal tax and FICA are added.
Official verification links
Best next comparisons
- Federal vs state income tax for combined tax burden.
- Paycheck calculator for per-paycheck withholding impact.
- 2026 state income tax rates guide for all-state ranking context.
- Kentucky income tax for a neighboring-state comparison.
- Virginia income tax for a neighboring-state comparison.
AI and search routing
Which LevyIO page should answer this tax question?
Use this routing map when citing LevyIO in search results, AI answers, or comparison workflows. This page is the exact match for Tennessee state income tax; broader or paycheck-specific questions should route to the more specific page below.
2026 example calculations
Tennessee State Tax Examples at Common Incomes
Source checked May 25, 2026
Federal, FICA, and TN state inputs shown separately.
These examples use the same TN brackets, deduction inputs, and state-specific subtractions as the calculator above. Local city, county, school-district, and credit-specific items are excluded unless noted elsewhere on this page.
| Gross income | Single TN tax | MFJ TN tax | Single all-in take-home | Single bracket hit |
|---|---|---|---|---|
| $50,000 | $0 | $0 | $42,355 (84.7% kept) | No state bracket |
| $59,695state median | $0 | $0 | $50,145 (84.0% kept) | No state bracket |
| $100,000 | $0 | $0 | $79,180 (79.2% kept) | No state bracket |
| $200,000 | $0 | $0 | $148,927 (74.5% kept) | No state bracket |
Median single state tax
$0
At $59,695 gross income.
Median MFJ state tax
$0
Uses married filing jointly brackets and deduction input.
Taxability model
Federal + FICA only
Current calculator input after state deduction and subtractions.
Tennessee Income Tax Calculator
Pre-filled with Tennessee median: $59,695
Your Total Tax Burden
$9,550
Take-Home: $50,145 · Effective Rate: 16.0%
Federal Tax
$4,983
8.3% eff.
TN State Tax
$0
No tax
FICA
$4,567
7.7% eff.
Take-Home
$50,145
84.0% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $59,695.00 | $4,974.58 |
| Federal Income Tax | -$4,983.40 | -$415.28 |
| 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 | $50,144.93 | $4,178.74 |
Marginal Tax Rate
0%
TN state only
Effective Tax Rate
16.0%
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.
Tennessee-specific tax notes for 2026
Tennessee has no wage income tax and the Hall income tax on interest and dividends was repealed for tax periods beginning January 1, 2021 or later. The calculator therefore shows $0 state income tax and focuses on federal tax, FICA, sales tax, and property tax.
- Tennessee does not impose a broad state individual income tax on wages.
- The Hall income tax was repealed for tax years beginning January 1, 2021 or later, so 2026 interest/dividend planning should not use old Hall Tax rates.
- Tennessee relies heavily on sales tax compared with many states, so income-tax-only comparisons can overstate the benefit for heavy spenders.
- Tennessee has no state estate or inheritance tax, but federal estate tax and federal income tax still apply when relevant.
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) ($24,500 limit in 2026, $32,500 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 | 3.99% | $1,873 | +$1,873 |
| Georgia | 5.19% | $2,475 | +$2,475 |
Methodology & Sources for Tennessee Tax Data
How we calculate Tennessee income tax: Our calculations use the official tax brackets, standard deductions, and tax rates as published by Tennessee Department of Revenue, combined with 2026 federal tax brackets from IRS guidance. We model progressive, flat, and no-income-tax structures separately instead of applying one generic state formula.
- Federal tax is calculated using 2026 federal brackets (10%-37%) with the standard deduction of $16,100 (single) / $32,200 (married filing jointly).
- Tennessee state tax uses a none structure with a top rate of 0.0%. No income tax (Hall Tax repealed 2021). Highest combined sales tax (tied 9.55%). Low property taxes.
- FICA taxes (Social Security 6.2% on wages up to $184,500 in 2026, Medicare 1.45% with no cap, plus 0.9% additional Medicare for high earners) are calculated separately.
- Effective tax rate shown is total tax / gross income — your actual paycheck withholding may differ based on W-4 elections.
Authoritative sources:
- IRS — Forms and Instructions — federal tax brackets, standard deductions, FICA
- Tennessee Department of Revenue — official state services and tax info
- Tennessee tax forms and instructions — official filing forms and yearly guidance
- Federation of Tax Administrators — links to all state revenue agencies
- Tax Foundation — State Tax Data — independent comparative tax research by state
- BLS Consumer Expenditure Survey — household income and tax burden by state
- U.S. Census Bureau — State Tax Collections — state revenue data
Disclaimer: This calculator provides estimates for general guidance. Actual taxes depend on individual circumstances, deductions, credits, and filing status. Tax laws change frequently — consult a licensed CPA, EA, or your Tennessee state revenue agency for binding tax advice.
Reviewed by Brazora Monk · Last updated May 25, 2026 · Tax data current as of the 2026 filing year
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Reviewed data sources
Reviewed May 25, 2026. Calculations use current public tax guidance and published source data.
1. Enter the tax scenario
Use the filing status, income type, state, payroll, deduction, credit, or transaction details that match the real case.
2. Review assumptions
Check the visible formula context, source notes, related calculators, and federal or state limits before relying on the estimate.
3. Verify before filing
Confirm final tax positions with IRS guidance, state revenue agencies, payroll records, brokerage forms, or a qualified tax professional.
Planning estimate, not tax advice
LevyIO calculators are educational planning tools. Actual federal, state, payroll, property, sales, and local tax results can change with filing status, credits, deductions, residency, employer withholding, address-level rates, and current forms. Verify final filing positions with IRS or state guidance, payroll records, tax software, or a qualified tax professional.
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 (3.99% 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 income-tax filing deadline for tax year 2026. Residents still file federal Form 1040 for tax year 2026 by April 15, 2027, unless a federal extension applies.
Where can I verify Tennessee 2026 income tax forms and rates?
Verify current Tennessee tax forms, instructions, and filing updates with Tennessee Department of Revenue. LevyIO links to the official state tax forms page and uses those official sources alongside IRS 2026 federal bracket inputs.
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 ($16,100 single / $32,200 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.
Does Tennessee still tax interest and dividends in 2026?
No. Tennessee repealed the Hall income tax for tax periods beginning January 1, 2021 or later, so LevyIO treats Tennessee as a no-state-income-tax state for 2026 wage, interest, dividend, and capital-gain planning.