Does Tennessee have local city or county income taxes?

Most cities and counties in Tennessee do not assess a separate local wage or earned income tax. Your state-level paycheck deductions are governed entirely by Tennessee state statutory tax schedules.

How are bonuses and overtime taxed on a paycheck in Tennessee?

Supplemental wages (including annual performance bonuses, sign-on bonuses, commissions, and severance) are subject to mandatory IRS flat 22% federal supplemental withholding (37% for amounts exceeding $1,000,000) and 7.65% FICA taxes. In Tennessee, bonuses also incur 0% in state tax withholding. Overtime pay is not taxed at a punitive rate; it is added to your pay period gross and withheld at your standard marginal bracket.

If I work remotely from Tennessee for an out-of-state company, which state taxes my paycheck?

Under prevailing interstate tax nexus rules, individual earned income is sourced to the physical location where the employee performs the work. If you physically reside and work in Tennessee, your employer is legally obligated to withhold Tennessee state taxes. If your employer is headquartered in a state with a 'Convenience of the Employer' rule (like New York or Nebraska), you may face dual withholding, but Tennessee offers a tax credit for taxes paid to other jurisdictions to prevent double taxation.

How much can I save on taxes by contributing to a 401(k) in Tennessee?

Contributing 6% ($4,500/year) of a $75,000 salary into an employer-sponsored traditional 401(k) or 403(b) reduces federal adjusted gross income (AGI), saving approximately $990 in federal income tax per year (Tennessee levies 0% state income tax).

2026 Statutory State & Federal Payroll Withholding Engine

Tennessee Paycheck & Tax Calculator (2026)

Compute exact Tennessee net take-home pay, federal income tax (IRS Publication 15-T), FICA Social Security and Medicare withholdings, 0% Tennessee state income tax, and local municipal taxes.

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Paycheck Parameters

Gross Annual Salary ($)

$

Paycheck Frequency

Federal W-4 Filing Status

Local / Municipal City Income Tax

Pre-Tax 401(k) Contribution 0% ($0/yr)

Pre-Tax Health Insurance / HSA Annual ($) $0/yr

MetroBasis Earnings Statement

2026 estimate · Tennessee · Single Filer

Bi-Weekly Pay (26) 26 Periods / Year

MB

MetroBasis Statutory Earnings Statement

2026 Withholding Estimate · based on IRS Publication 15-T formulas · not an official pay statement

Generated on: 2026-10-19

ESTIMATE ONLY

Net Take-Home Pay (Direct Deposit)

$2,368.94

Annual Net: $61,593 · Effective Tax: 17.9%

Earnings Distribution 82.1% Retained

Net Pay Federal Tax FICA (SS & Med) State Tax Local Tax

Gross Earnings $2,884.62

Pre-Tax Deductions (401k & HSA) -$0.00

Federal Income Tax (FIT) -$295.00

Social Security (OASDI 6.2%) -$178.85

Medicare (1.45%) -$41.83

Tennessee Income Tax (SIT) -$0.00

Local Municipal Tax -$0.00

Total Tax Withholdings -$515.67

Compensation estimate calculated with federal withholding formulas (IRS Pub 15-T) and state tax rules. Not tax advice. MetroBasis Precision Fiscal Intelligence · https://www.metrobasis.com

Paycheck Conversion Schedule (Weekly, Bi-Weekly, Monthly, Annual)

Comprehensive conversion of your calculated salary across all official payroll processing intervals.

Interval	Gross Pay	Federal Tax	FICA (SS & Med)	State Tax & SDI	Local Tax	Net Paycheck

State Income Tax Brackets (2026)

Statutory progressive tiers and standard deduction rules.

Taxable Bracket Tier	Marginal Rate	Tax on Bracket Max

Neighboring State Take-Home Pay Comparison ($75k Benchmark)

How your net take-home salary compares in bordering states for identical earnings.

State & Tax Structure	Effective State Rate	Annual Net Pay	Bi-Weekly Pay	Difference Delta	Action

State Metropolitan Labor Markets & Municipal Tax Arbitrage

How net take-home pay on a $75,000 salary varies across cities after local municipal earnings taxes and HUD rent.

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Estimated 2026 gross salary, federal and state withholdings, and net annual take-home pay across common occupations.

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Related Cost of Living & Compensation Intelligence

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HOUSING & LIVING COSTS

Tennessee Cost of Living & Rent Index

HUD Fair Market Rents, EPI monthly budgets and EPI living wages for the metros in Tennessee.

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TOTAL COMPENSATION

Dual Offer & Total Comp Workbench

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RELOCATION

Relocation & Income Tax Comparison

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Statutory 2026 Payroll Intelligence

Methodology Notes

State Paycheck Frequently Asked Questions

Context-aware statutory tax schedules, mandatory state payroll deductions, bonus withholding rates, and local municipal wage rules.

Calibrated to IRS Publication 15-T, Title 26 IRC, and official state revenue codes.

IRS 15-T FICA 2026 STATE DOR

Tennessee Economic & Housing Ecosystem

Tennessee: Cost of Living, Rents & Career Salary Benchmarks

Connect your net after-tax take-home pay with HUD Fair Market Rents and BLS career compensation schedules across Tennessee.

Living Expenses & Rents

Tennessee Cost of Living Directory

Explore HUD fair market rents, grocery indices, and living wages across all metropolitan areas in Tennessee.

View Tennessee Living Cost Guide

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Tennessee Wage Percentiles Directory

Empirical Bureau of Labor Statistics 10th to 90th percentile earnings by occupation in Tennessee.

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Major Metropolitan Areas in Tennessee

Nashville-Davidson--Murfreesboro--Franklin, TN Maury County, TN Knoxville, TN Chattanooga, TN-GA Memphis, TN-MS-AR Macon County, TN Clarksville, TN-KY Roane County, TN

Tennessee Paycheck & Tax Calculator (2026) Overview

Calculate your 2026 net take-home pay in Tennessee. Accurate state income tax brackets, standard deductions, federal withholdings, and monthly budget breakdown. Official 2026 economic data for Tennessee compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers

How much is taken out of a $75,000 paycheck in Tennessee?

On a $75,000 gross annual salary in Tennessee filing as Single with no pre-tax deductions, your estimated annual net take-home pay is $61,593 (approximately $2,369 per bi-weekly paycheck or $5,133/month). Total statutory withholdings equal $13,408 (an effective tax rate of 17.88%), consisting of $7,670 in Federal Income Tax, $5,738 in FICA (Social Security & Medicare), and $0 in Tennessee State Income Tax.

Why does Tennessee have 0% state income tax, and does it apply to all wages?

Tennessee is one of nine U.S. states with no individual earned income tax. Under state constitutional law, 100% of earned wages, salaries, bonuses, and tips are entirely exempt from state-level income tax withholding. State public services, transportation infrastructure, and education are financed primarily through state sales taxes, excise duties, and commercial/property assessments.